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

Excellent

346 reviews on

+5,000 happy customers

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?

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

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

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

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

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

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

What countries and sectors are eligible for 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?

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

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

Can sole traders still get multi-currency wamo accounts?

Can sole traders still get multi-currency wamo accounts?

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.

© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.

wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.

Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V. 
Please see here for full details.

@2025 wamoAll rights reserved.

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

© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.

wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.

Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V. 
Please see here for full details.

@2025 wamoAll rights reserved.

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

© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.

wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.

Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V. 
Please see here for full details.