Fair, transparent pricing

Fair, transparent pricing

Fair, transparent
pricing

You’ll never be holding your breath waiting to know what the charges are. It’s all here.

You’ll never be holding your breath waiting to know what the charges are. It’s all here.

You’ll never be holding your breath waiting to know what the charges are. It’s all here.

Sole traders

Sole traders

Paid monthly

Paid annually

save up to 20% with annual plans

Accounts

Freemium

€239.88

€0

/month

Only available monthly

For solo entrepreneurs and startups


MOST POPULAR

Smart

€119.88

€95.90

/year

Save €23

For growing sole traders

Pro

€239.88

€191.90

/year

Save €47

For established sole traders


Account opening fee

One time payment

Free

Free

Free

Paid monthly

Paid annually

save up to 20% with annual plans

Accounts

Freemium

€239.88

€0

/month

Only available monthly

For solo entrepreneurs and startups

MOST POPULAR

Smart

€119.88

€95.90

/year

Save €23

For growing sole traders


Pro

€239.88

€191.90

/year

Save €47

For established sole traders


Account opening fee

One time payment

Free

Free

Free

MOST POPULAR

SMART

€9.99/month

or

€95.90/annual

save up to 20% with annual plans

For growing sole traders

Plan Features

Account opening fee

One time payment

Free

Business accounts

(Sub-accounts/ledgers)

up to 5
sub-accounts

No Fee ATM Withdrawal

1.99% per transaction thereafter

2

Local Transfer IN

Free

Free Local Transfer OUT

€0.99 per transaction thereafter

20

Internal Transfer

Free

Recurring Payments

Bulk Payments

Exchange currencies

0.50%

Swift

€19.99

Free virtual card

2

Virtual card allowance

€0.99 per card outside free allowance

Unlimited

Free physical card

1

Physical card allowance

€9.99 per card outside free allowance

2

Using your card abroad

Apple & Google wallets

Coming Soon

Payment links

Available on request and approval

1.49%

/transaction

Add team members

Create statements

Personal support

Schedule payments

Recurring payments

Team management

Xero integration

Earn 0.25% cashback with annual plan!

Annual plan comes with 0.5% cashback on every card transaction.

PRO

€19.99/month

or

€191.90/annual

save up to 20% with annual plans

For established sole traders

Plan Features

Earn 0.5% cashback with annual plan!

Annual plan comes with 1% cashback on every card transaction.

FREEMIUM

Free

For solo entrepreneurs and startups

Plan Features

Business accounts

(Sub-accounts/ledgers)

1 sub-account

per currency

up to 5
sub-accounts

up to 10
sub-accounts

Transfers

No Fee ATM Withdrawal

1.99% per transaction thereafter

2

4

Local Transfer IN

Local Transfer IN

Free

Free

Free

Free Local Transfer OUT

€0.99 per transaction thereafter

20

50

Internal Transfer

Free

Free

Free

Recurring Payments

Bulk Payments

Exchange currencies

1%

0.50%

0.50%

Swift

€19.99

€19.99

€19.99

Cards

Earn up to 0.5% cashback with annual smart or pro plans!

Free virtual card

1

2

5

Virtual card allowance

€0.99 per card outside free allowance

Virtual card allowance

€0.99 per card outside free allowance

No additional allowance

No additional

allowance

Unlimited

Unlimited

Free physical card

2

5

Physical card allowance

€9.99 per card outside free allowance

Physical card allowance

€9.99 per card outside free allowance

1

10

Unlimited

Using your card abroad

Using your card abroad

Apple & Google wallets

Apple & Google wallets

Coming soon

Coming soon

Coming soon

Plan Features

Payment links

Available on request and approval

1.99%

per transaction

1.49%

per transaction

1.29%

per transaction

1.29%

per transaction

Add team members

Create statements

Personal support

Schedule payments

Recurring payments

Team management

Xero integration

Mobile App

Access and manage your business finances from wherever you are in the world.

Customer support

We care. A real human will be available to support you when you need it.

Safe & Secure

Your money is protected by licensed banks and kept in a safeguarded account.

Visa Debit Cards

Virtual & physical cards empower you and your team to grow business while staying on budget.

Secure Payments

Make and receive online payments safely with multi-factor authentication and instant confirmation.

wamo Connect

Level up your business with the best services & tools at special offers. Network with other business owners. Get seen, get growing.

It only takes 10 minutes to set up your wamo account.

Be ready for business!

It only takes 10 minutes to set up your wamo account.

Be ready for business!

It only takes 10 minutes to set up your wamo account.

Be ready for business!

Frequently asked

questions

What are the fees for a debit card?

Fees depend on your subscription type. If you are registered with wamo as a Company and are on the Start Plan, debit cards are €9.99 / card. Virtual debit cards on the same plan are €0.99. But if you are on the Grow or Scale plans - all cards (both physical and virtual) are free. 

What is a foreign currency conversion fee?

A currency conversion fee is a charge applied when a financial transaction requires converting one currency to another in order to be completed. This includes both bank transfers and debit card payments. 

How much does it cost to transfer money?

This depends on the subscription plan you have with wamo. On the Start plan, local transactions (both incoming and outgoing) are free for incoming and €0.49 per transaction for outgoing. International transactions are €19.99 each.

On the Grow plan, local transactions are free for incoming, with the first 50 outgoing transactions free and €0.49 per transaction thereafter. International transactions are €19.99 each.

On the Scale plan, local transactions are free for incoming, with the first 250 outgoing transactions free and €0.49 per transaction thereafter. International transactions are also €19.99 each.

What are the fees for a debit card?

Fees depend on your subscription type. If you are registered with wamo as a Company and are on the Start Plan, debit cards are €9.99 / card. Virtual debit cards on the same plan are €0.99. But if you are on the Grow or Scale plans - all cards (both physical and virtual) are free. 

What is a foreign currency conversion fee?

A currency conversion fee is a charge applied when a financial transaction requires converting one currency to another in order to be completed. This includes both bank transfers and debit card payments. 

How much does it cost to transfer money?

This depends on the subscription plan you have with wamo. On the Start plan, local transactions (both incoming and outgoing) are free for incoming and €0.49 per transaction for outgoing. International transactions are €19.99 each.

On the Grow plan, local transactions are free for incoming, with the first 50 outgoing transactions free and €0.49 per transaction thereafter. International transactions are €19.99 each.

On the Scale plan, local transactions are free for incoming, with the first 250 outgoing transactions free and €0.49 per transaction thereafter. International transactions are also €19.99 each.

What are the fees for a debit card?

Fees depend on your subscription type. If you are registered with wamo as a Company and are on the Start Plan, debit cards are €9.99 / card. Virtual debit cards on the same plan are €0.99. But if you are on the Grow or Scale plans - all cards (both physical and virtual) are free. 

What is a foreign currency conversion fee?

A currency conversion fee is a charge applied when a financial transaction requires converting one currency to another in order to be completed. This includes both bank transfers and debit card payments. 

How much does it cost to transfer money?

This depends on the subscription plan you have with wamo. On the Start plan, local transactions (both incoming and outgoing) are free for incoming and €0.49 per transaction for outgoing. International transactions are €19.99 each.

On the Grow plan, local transactions are free for incoming, with the first 50 outgoing transactions free and €0.49 per transaction thereafter. International transactions are €19.99 each.

On the Scale plan, local transactions are free for incoming, with the first 250 outgoing transactions free and €0.49 per transaction thereafter. International transactions are also €19.99 each.

© wamo 2024, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2024 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.

© wamo 2024, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2024 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.

© wamo 2024, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2024 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.