Sole-trader account and debit card

Tired of financial hold-ups? Fast account opening for sole traders! EURO IBAN account, Visa Debit Cards, currency exchange, SEPA, SWIFT and more; we’re by your side to help you grow.

All we need from you is 10 minutes (or less)

Excellent

4.4 out of 5

based on 252 reviews

Excellent

4.4 out of 5

Excellent

4.4 out of 5

A business account designed for your solo journey

A business account designed for your solo journey

EUR and GBP IBAN accounts

Multiple accounts to suit your needs

Easy local & international payments

Drive business growth with EUR and GBP IBAN accounts. Open your wamo business account in 10 minutes.
Drive business growth with EUR and GBP IBAN accounts. Open your wamo business account in 10 minutes.
Drive business growth with EUR and GBP IBAN accounts. Open your wamo business account in 10 minutes.
Effortless international and local business payments. Make or take payments anywhere, anytime with wamo's online business account.
Effortless international and local business payments. Make or take payments anywhere, anytime with wamo's online business account.
Effortless international and local business payments. Make or take payments anywhere, anytime with wamo's online business account.

Local and global payments for sole traders

Local and global payments for sole traders

Make and take local and international payments wherever you are

Fixed fees on your payments

Feel secure about where money is going

Get your wamo account for FREE

Get your wamo account for FREE

Start using wamo as a sole-trader for FREE

Free cards for all sole-trader plans

Save 20% and earn cashback with annual

Drive business growth with EUR and GBP IBAN accounts. Open your wamo business account in 10 minutes.
Drive business growth with EUR and GBP IBAN accounts. Open your wamo business account in 10 minutes.
Drive business growth with EUR and GBP IBAN accounts. Open your wamo business account in 10 minutes.

Sole trader onboarding now available across the EEA and UK!

Sole trader onboarding now available across the EEA and UK!

Sole trader onboarding is now available for all EEA countries and the UK! If you're in another country, join the waitlist to be notified when onboarding becomes available in your region.

Business debit cards tailored to your needs.

Physical and virtual debit cards

High spending limits

Link cards to sub-accounts

Empower your team with physical and virtual business debit cards. Business banking with sub-accounts and multiple currencies.
Empower your team with physical and virtual business debit cards. Business banking with sub-accounts and multiple currencies.
Empower your team with physical and virtual business debit cards. Business banking with sub-accounts and multiple currencies.
Empower your team with physical and virtual business debit cards. Business banking with sub-accounts and multiple currencies.
Empower your team with physical and virtual business debit cards. Business banking with sub-accounts and multiple currencies.
Empower your team with physical and virtual business debit cards. Business banking with sub-accounts and multiple currencies.

Kris Jes Petersen

“Great community is a key to successful co-working environment and wamo is all about community”

Partner at Soho Office, Malta

Kris Jes Petersen

“Great community is a key to successful co-working environment and wamo is all about community”

Partner at Soho Office, Malta

Kris Jes Petersen

“Great community is a key to successful co-working environment and wamo is all about community”

Partner at Soho Office, Malta

Vladislav Patserin

"Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo. We started working with clients from the EU and even expanded to the Middle East thanks to the easy process and helpful assistance from Wamo."

CCO, Lintu Investments Oy

Vladislav Patserin

"Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo. We started working with clients from the EU and even expanded to the Middle East thanks to the easy process and helpful assistance from Wamo."

CCO, Lintu Investments Oy

Vladislav Patserin

"Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo. We started working with clients from the EU and even expanded to the Middle East thanks to the easy process and helpful assistance from Wamo."

CCO, Lintu Investments Oy

Get started with online business banking: Open Account for easy access to business visa debit cards, multi-currency accounts, payment options and more
Get started with online business banking: Open Account for easy access to business visa debit cards, multi-currency accounts, payment options and more
Get started with online business banking: Open Account for easy access to business visa debit cards, multi-currency accounts, payment options and more
Get started with online business banking: Open Account for easy access to business visa debit cards, multi-currency accounts, payment options and more
Get started with online business banking: Open Account for easy access to business visa debit cards, multi-currency accounts, payment options and more
Get started with online business banking: Open Account for easy access to business visa debit cards, multi-currency accounts, payment options and more

Open a wamo sole-trader account today.

Open a wamo sole-trader account today.

Scan QR to download the App

Bank protection

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

Bank protection

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

Bank protection

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

Account security

3D Secure authentication on all card payments to keep you safe.

Account security

3D Secure authentication on all card payments to keep you safe.

Account security

3D Secure authentication on all card payments to keep you safe.

Powerful controls

Get notified on every transaction. Freeze, delete, or block your company cards in seconds.

Powerful controls

Get notified on every transaction. Freeze, delete, or block your company cards in seconds.

Powerful controls

Get notified on every transaction. Freeze, delete, or block your company cards in seconds.

Stay up-to-date

Realtime notifications and emails for every payment. Instant alerts if fraud is suspected.

Stay up-to-date

Realtime notifications and emails for every payment. Instant alerts if fraud is suspected.

Stay up-to-date

Realtime notifications and emails for every payment. Instant alerts if fraud is suspected.

LATEST UPDATES

Frequently asked questions

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

Setting up a wamo business account is quick. It can take just 10 minutes to fill in our short form. Once you send it, we'll check your details and start getting your account ready.

The time it takes to get your account ready can change. It depends on how complex your company is and the documents you've sent us.

Have you been waiting for more than you expect? Or are you having trouble with the form? Please send us a support request. We're always here to help.

We aim to make account creation fast and simple. We do our best to have your account working on the same day you apply.

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

Setting up a wamo business account is quick and straightforward. To get your account up and running, we'll need:

  • Your business's operating address

  • A brief explanation of what your business does and where it operates

  • Information on how you plan to use your account

  • Proof of your identity

  • The wamo plan you want to start with

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

You’ll be able to apply to a wamo business accounts for sole traders, freelancers or self self employed if your company is registered in Malta, Italy, Finland or Spain.
Eligible business types

The following businesses types are eligible for a wamo business account:

  • Limited Liability Company (LLC)

  • Public Limited Company (PLC)

  • Self-employed, sole trader or freelancer

Eligible industries include LLCs and PLCs, but exclude charities, cooperatives, public sectors, private foundations or trusts, and unregistered businesses. Industries related to adult entertainment, cryptocurrency, gambling, illegal drugs, and others listed as prohibited are ineligible.

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

Setting up a wamo business account is quick. It can take just 10 minutes to fill in our short form. Once you send it, we'll check your details and start getting your account ready.

The time it takes to get your account ready can change. It depends on how complex your company is and the documents you've sent us.

Have you been waiting for more than you expect? Or are you having trouble with the form? Please send us a support request. We're always here to help.

We aim to make account creation fast and simple. We do our best to have your account working on the same day you apply.

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

Setting up a wamo business account is quick and straightforward. To get your account up and running, we'll need:

  • Your business's operating address

  • A brief explanation of what your business does and where it operates

  • Information on how you plan to use your account

  • Proof of your identity

  • The wamo plan you want to start with

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

You’ll be able to apply to a wamo business accounts for sole traders, freelancers or self self employed if your company is registered in Malta, Italy, Finland or Spain.
Eligible business types

The following businesses types are eligible for a wamo business account:

  • Limited Liability Company (LLC)

  • Public Limited Company (PLC)

  • Self-employed, sole trader or freelancer

Eligible industries include LLCs and PLCs, but exclude charities, cooperatives, public sectors, private foundations or trusts, and unregistered businesses. Industries related to adult entertainment, cryptocurrency, gambling, illegal drugs, and others listed as prohibited are ineligible.

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

Setting up a wamo business account is quick. It can take just 10 minutes to fill in our short form. Once you send it, we'll check your details and start getting your account ready.

The time it takes to get your account ready can change. It depends on how complex your company is and the documents you've sent us.

Have you been waiting for more than you expect? Or are you having trouble with the form? Please send us a support request. We're always here to help.

We aim to make account creation fast and simple. We do our best to have your account working on the same day you apply.

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

Setting up a wamo business account is quick and straightforward. To get your account up and running, we'll need:

  • Your business's operating address

  • A brief explanation of what your business does and where it operates

  • Information on how you plan to use your account

  • Proof of your identity

  • The wamo plan you want to start with

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

You’ll be able to apply to a wamo business accounts for sole traders, freelancers or self self employed if your company is registered in Malta, Italy, Finland or Spain.
Eligible business types

The following businesses types are eligible for a wamo business account:

  • Limited Liability Company (LLC)

  • Public Limited Company (PLC)

  • Self-employed, sole trader or freelancer

Eligible industries include LLCs and PLCs, but exclude charities, cooperatives, public sectors, private foundations or trusts, and unregistered businesses. Industries related to adult entertainment, cryptocurrency, gambling, illegal drugs, and others listed as prohibited are ineligible.

© 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 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.


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 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.


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 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.


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.