The business account for sole traders

An account designed for sole traders, with fast setup, instant Visa debit cards, free invoicing, and human-led customer service

Excellent

346 reviews on

+5,000 happy customers

Your business

deserves better

Simplify global operations, streamline expenses, and access human-led support — open your wamo account in just 10 minutes to unlock all these benefits.

Main

€18,999.76

Main euro account

kr.8,999.76

Marketing account

kr 18,223.00

Expense account

£1,000.00

UK Marketing account

Local and global payments

Local GB, DK and LU IBANs

Do business in EUR, GBP, SEK, DKK and more

Accept payments in 24 currencies

Exchange

Convert funds between accounts

Bulk payment

Pay multiple recipients at once

to

Morgan Tyler

-£1.800.99

Tomorrow

Scheduled

weekly, until Jan 15, 2024

to

Avery Morgan Ellis

20 July 2023, 20:00

-€920.00

New invoice

More than just a payment solution

Integration with Accounting platforms 

Benefit from low FX fees

Easy in-app invoicing gets you paid quicker

Business Visa debit cards tailored to your needs

Physical and virtual Visa debit cards

High spending limits 

Easily link cards to sub-accounts

Show details

Freeze

Freemium

For solo entrepreneurs and startups

Free

/month

Popular

Smart

For growing sole traders

from €49.99

/month

Pro

For established sole traders

from €99.99

/month

Get a wamo business account today

wamo Freemium gets you started with your wamo account

Save 20% on fees and earn cashback with an annual plan

Open a wamo sole trader

account today

Bank-grade protection

Your money is protected by a licensed bank in a safeguarded account

Super secure accounts

3D Secure authentication on all card payments keeps you safe

Powerful controls

Freeze, delete, or block your company cards in seconds

Stay in-the-loop

Get real-time notifications for every payment & instant fraud alerts

Frequently asked

questions

How fast can wamo open an account as a sole-trader?

What documents are needed to get a sole-trader account?

What countries and sectors are eligible for a sole-trader account?

What happens to my wamo account if I stop being a sole trader?

Can sole traders still get multi-currency wamo accounts?

@2025 wamoAll rights reserved.

Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.

Wamo Solutions Oy is an Electronic Money Institution authorised by the the Finnish Financial Supervisory Authority (registered no. 3368055-9) Registered address is: Lapinlahdenkatu 16, 00180 Helsinki.

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


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.