Self-employed accounts

For sole traders, entrepreneurs, contractors and cross-border operators.

22 currencies

Instant payments

No hidden fees

Self-employed accounts

For sole traders, entrepreneurs, contractors and cross-border operators.

22 currencies

Instant payments

No hidden fees

Self-employed accounts

For sole traders, entrepreneurs, contractors and cross-border operators.

22 currencies

Instant payments

No hidden fees

Features that work as hard as you do

Our tools are designed specifically for business.
Our tools are designed specifically for business.

Fast, global payments

Send, receive & convert across 22 currencies with no hidden fees.

Smart expense tools

Easily separate and track spend with sub-accounts and custom card limits.

Expert support

Every wamo interaction connects you with a business expert.

Fast, global payments

Send, convert and receive money quickly and clearly.

Instant SEPA and SWIFT payments from app

Transparent FX with 22 currencies

Local IBANs for professional service

Pay suppliers globally with ease

Smart expense tools

Keep business spend organised and in your control.

Create sub-accounts instantly

Set spending limits per card

Export expenses easily

Real-time notifications for all spend

Expert support

Support that treats you like a VIP, not a number.

Real human chat support

Fast responses, no endless waits

Multi-language help

Proactive tips from business experts

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Pay less, do more

Make the most of your money with simple, flexible pricing designed for entrepreneurs.
Make the most of your money with simple, flexible pricing designed for entrepreneurs.

Freemium

€0

/month

You're just getting started and want simple, essential tools to manage your business account.

€9.99

/month

You’re handling multiple projects or clients and need better visibility and control.

Smart

€19.99

/month

You’re managing teams, currencies, or cost centres — and looking to scale efficiently.

Pro

TOP PICK

What to expect when opening your account 

You could get started with wamo in minutes, not days. 

Sign up online

Complete our simple application in a few minutes.

Business details, including directors if applicable

Verify your identity

You are securely verified to keep your account safe.

You'll need proof of identity and address, including biometric check.

Use your account

Most applications are approved within 24 hours.

First stop, activate your account and create your virtual card.

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.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.