Simple, transparent pricing
Choose the plan that fits your business needs with no hidden fees or long-term commitments.
Self-employed |
Companies
Monthly
Annually
save 20%
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact. |
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple. |
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools. |
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast. |
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Monthly
Annually
save 20%
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Monthly
Annually
save 20%
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Freemium
€0
/month
No paperwork. Just tools. Start for free. Pay only when you transact.
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 2% per transaction
1 virtual Visa card
Start
€19.99
/month
You're a new business with light banking needs or want to keep your banking simple.
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 virtual Visa card
Grow
TOP PICK
€49.99
/month
You're running multiple projects or teams and want better financial clarity and tools.
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€99.99
/month
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
Scale
TOP PICK
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
Compare all features
A detailed breakdown of what's included in each plan
A detailed breakdown of what's included in each plan
Freemium
Start
Most popular
Grow
Scale
Accounts
Monthly fee
Free
€19.99/ month
€49.99/ month
€99.99/ month
Account opening fee
One time payment
FREE
FREE
FREE
FREE
Business accounts
Sub-accounts/ledgers
1 sub account
per currency
1 sub account
per currency
up to 10
sub accounts
up to 100
sub accounts
Cashback
Earn up to 1% cashback with annual plans
0.5%
with all card spends
1%
with all card spends
Transfers
No fee ATM withdrawal
1.99% per transaction thereafter
2%
per transaction
5
10 with annual plans
10
15 with annual plans
Local transfer IN
FREE
FREE
FREE
FREE
Free local transfer OUT
€0.49 per transaction thereafter
€0.99
per transaction
50
250
Internal transfer
FREE
FREE
FREE
FREE
Recurring payments
Bulk payments
Exchange currencies
Standard rates
Standard rates
Advantageous rates
Advantageous rates
Inbound SWIFT
Free / €14.99
Free / €9.99
Free / €9.99
Outbound SWIFT
€23.99 / €29.99
€19.99 / €23.99
€19.99 / €23.99
€19.99 / €23.99
Cards
Free virtual card
1
1
10
100
Virtual card allowance
€0.99 per card outside free allowance
No additional allowance
No additional allowance
100
100
Free physical card
5
100
Physical card allowance
€9.99 per card outside free allowance
1
1
10
100
Using your card abroad
Apple wallet
Coming soon
Coming soon
Coming soon
Coming soon
Google wallet
Plan features
Payment links
Available on request and approval
1.99%
per transaction
1.99%
per transaction
1.69%
per transaction
1.49%
per transaction
Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration
Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year.
€99.00 per annum per account.
Freemium
Start
Grow
Scale
Accounts
Monthly fee
Free
Account opening fee
FREE
Business accounts
Sub-accounts/ledgers
1 sub account
per currency
Cashback
Transfers
ATM withdrawal fee
2%
Local transfer IN
FREE
Local transfer OUT
€0.99
Internal transfer
FREE
Recurring payments
Bulk payments
Exchange currencies
Standard
rates
Inbound SWIFT
Free / €14.99
Outbound SWIFT
€23.99 / €29.99
Cards
Free virtual card
1
Virtual card allowance
No additional allowance
Free physical card
Physical card allowance
€9.99 per card outside free allowance
1
Using your card abroad
Apple wallet
Coming soon
Google wallet
Plan features
Payment links
Available on request and approval
1.99%
per transaction
Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration
Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year.
€99.00 per annum per account.
Freemium
Start
Grow
Scale
Accounts
Monthly fee
€49.99
Account opening fee
FREE
Business accounts
Sub-accounts/ledgers
up to 10
sub accounts
Cashback
Earn up to 1% cashback with annual plans
Transfers
No fee ATM withdrawal
1.99% per transaction thereafter
5
10 with annual plans
Local transfer IN
FREE
Free local transfer OUT
€0.49 per transaction thereafter
50
Internal transfer
FREE
Recurring payments
Bulk payments
Exchange currencies
Advantageous rates
Inbound SWIFT
Free / €9.99
Outbound SWIFT
€19.99 / €23.99
Cards
Free virtual card
10
Virtual card allowance
€0.99 per card outside free allowance
100
Free physical card
5
Physical card allowance
€9.99 per card outside free allowance
10
Using your card abroad
Apple wallet
Coming soon
Google wallet
Plan features
Payment links
Available on request and approval
1.69%
per transaction
Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration
Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year.
€99.00 per annum per account.
Freemium
Start
Grow
Scale
Accounts
Monthly fee
€49.99
Account opening fee
FREE
Business accounts
Sub-accounts/ledgers
up to 10
sub accounts
Cashback
Earn up to 1% cashback with annual plans
Transfers
No fee ATM withdrawal
1.99% per transaction thereafter
5
10 with annual plans
Local transfer IN
FREE
Free local transfer OUT
€0.49 per transaction thereafter
50
Internal transfer
FREE
Recurring payments
Bulk payments
Exchange currencies
Advantageous rates
Inbound SWIFT
Free / €9.99
Outbound SWIFT
€19.99 / €23.99
Cards
Free virtual card
10
Virtual card allowance
€0.99 per card outside free allowance
100
Free physical card
5
Physical card allowance
€9.99 per card outside free allowance
10
Using your card abroad
Apple wallet
Coming soon
Google wallet
Plan features
Payment links
Available on request and approval
1.69%
per transaction
Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration
Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year.
€99.00 per annum per account.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.
Is a wamo account secure and compliant?
Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.
Who can open a wamo account?
We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include:
Limited Liability Companies (LLC)
Public Limited Companies (PLC)
Sole traders, freelancers, and self-employed professionals
Please note: UK-based sole traders are not currently supported.
How do I open a wamo account?
You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.
What documents do I need to apply?
To apply for a wamo business account, you’ll need:
Your business’s operating address
A short description of your business and where it operates
How do you plan to use your wamo account
Proof of identity (including a biometric check)
Your preferred wamo plan
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.
Is a wamo account secure and compliant?
Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.
Who can open a wamo account?
We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include:
Limited Liability Companies (LLC)
Public Limited Companies (PLC)
Sole traders, freelancers, and self-employed professionals
Please note: UK-based sole traders are not currently supported.
How do I open a wamo account?
You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.
What documents do I need to apply?
To apply for a wamo business account, you’ll need:
Your business’s operating address
A short description of your business and where it operates
How do you plan to use your wamo account
Proof of identity (including a biometric check)
Your preferred wamo plan
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.
Is a wamo account secure and compliant?
Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.
Who can open a wamo account?
We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include:
Limited Liability Companies (LLC)
Public Limited Companies (PLC)
Sole traders, freelancers, and self-employed professionals
Please note: UK-based sole traders are not currently supported.
How do I open a wamo account?
You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.
What documents do I need to apply?
To apply for a wamo business account, you’ll need:
Your business’s operating address
A short description of your business and where it operates
How do you plan to use your wamo account
Proof of identity (including a biometric check)
Your preferred wamo plan
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
