4.7 Excellent
Which Is better for European SMEs?
Which Is better for European SMEs?
wamo vs. Holvi
Multi-currency accounts, team Visa cards, fast local and cross-border payments, and real human support — all in one app. Join 15,000+ European SMEs who choose wamo.
Why European SMEs choose wamo
Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.
Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.
Open in minutes
Set up your business account fully online. No branch visit, no paperwork pile, no waiting weeks for a yes.
Keep more of every sale
Take card payments with wamo POS and spend with physical and virtual Visa cards. Clear costs, no hidden fees.
Money that moves with you
Hold and convert multiple currencies, send and receive locally and across borders, all from one app.
Real people, your language
Get support from a local-language team, not a chatbot maze. Plus AI tools that turn your transactions into time saved.
Here's how wamo compares to Holvi
Here's how wamo compares to Holvi
Holvi
Feature
Feature
Monthly fee
Monthly fee from
From €0/month
€0
From €0/month
€0
Get started in minutes, not days
Get started in minutes, not days
100% paperless onboarding
100% paperless onboarding
Specifically built for SMEs
Specifically built for SMEs
Dedicated account manager
Dedicated account manager
Human support for every plan
Human support for every plan
Finnish IBAN included
Finnish IBAN included
Multi-currency accounts
Multi-currency accounts
Payments in 22+ currencies
Payments in 22+ currencies
Multi-market European coverage
Multi-market European coverage
Physical POS terminal
Physical POS terminal
Free cash register
Free cash register
Who banks on wamo?
Meet the businesses that trust wamo.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
"With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days."
Rita Boldini
Terme di Bognanco
"We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances."
Giuseppe Narcisi
Hotel Il Gelso Bianco
Who banks on wamo?
Meet the businesses that trust wamo.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
"With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days."
Rita Boldini
Terme di Bognanco
"We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances."
Giuseppe Narcisi
Hotel Il Gelso Bianco
Who banks on wamo?
Meet the businesses that trust wamo.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
"With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days."
Rita Boldini
Terme di Bognanco
"We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances."
Giuseppe Narcisi
Hotel Il Gelso Bianco
Get the human support you need
We know how important it is to speak to someone who understands your business.
Chat to a real person via in-app chat, Whatsapp or email
Multilingual local support team ready to help
Get fast, helpful answers when you need them most
Simple, transparent pricing to suit your business
Self-employed
Companies
Freemium
You're just getting started and want simple, essential tools to manage your business account.
0€
11 $
/month
per month, billed annualy
No setup fee
Business Account with EU IBAN
1 physical + 1 virtual Visa cards included
€0.99 per local transfer
1.99% per ATM withdrawal
Smart
You’re handling multiple projects or clients and need better visibility and control.
10€
15 $
/month
per user, billed annually
No setup fee
Business Account with EU IBAN
1 physical + 2 virtual Visa cards included
20 free transfers/month
ATM withdrawals: 2 free/month, 5 with annual plan
€5,000/month commission-free local POS transactions
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
20€
15 $
/month
per user, billed annually
No setup fee
Business Account with EU IBAN
5 physical + 100 virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
€7,000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Freemium
You're just getting started and want simple, essential tools to manage your business account.
0€
11 $
/month
per month, billed annualy
No setup fee
Business Account with EU IBAN
1 physical + 1 virtual Visa cards included
€0.99 per local transfer
1.99% per ATM withdrawal
Smart
You’re handling multiple projects or clients and need better visibility and control.
10€
15 $
/month
per user, billed annually
No setup fee
Business Account with EU IBAN
1 physical + 2 virtual Visa cards included
20 free transfers/month
ATM withdrawals: 2 free/month, 5 with annual plan
€5,000/month commission-free local POS transactions
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
20€
15 $
/month
per user, billed annually
No setup fee
Business Account with EU IBAN
5 physical + 100 virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
€7,000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Freemium
No paperwork. Just tools. Start for free. Pay only when you transact.
0€
11 $
/month
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 1.99% per transaction
1 physical + 1 virtual Visa cards included
Start
You're a new business with light banking needs or want to keep your banking simple.
20€
15 $
/month
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 physical + 1 virtual Visa cards included
€5,000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
50€
15 $
/month
per user, billed annually
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€15,000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
99€
15 $
/month
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
€20,000/month commission-free local POS transactions
Frequently asked questions
Frequently asked questions
Get answers to common questions about our pricing and plans
Get answers to common questions about our pricing and plans
Reach out to us for help
Reach out to us for help
Both wamo and Holvi are aimed at Finnish SMEs and solo entrepreneurs, but they solve different problems. Holvi is built around a Finnish business account, with its strengths in bookkeeping prep, invoicing and accounting-software integrations. wamo focuses on payments and getting paid. Alongside a business account and EU IBAN, it offers a physical POS terminal so you can take card payments in person, plus support for 22+ currencies and a dedicated account manager on every plan. If accepting card payments in your shop, café or on the go matters to your business, that's where wamo stands apart.
Wamo's plans run from a free Freemium tier (€0) to Smart at €10/month and Pro at €20/month, with prices quoted inclusive of VAT. Holvi starts at €0 for its Flex plan, then €9/month + VAT for Lite, €15/month + VAT for Pro and €50/month + VAT for Business. Those headline figures are shown before VAT is added. With wamo, accepting card payments is part of the subscription rather than a temporary promotion, and there are no hidden fees or long fixed-term contracts. The plan that's cheapest on paper isn't always the cheapest in practice, so it's worth comparing what each tier actually includes for your transaction volume.
No. Holvi offers personal support by phone on business days plus a 24/7 virtual assistant, but it does not assign a dedicated account manager. Wamo gives every customer a dedicated account manager on every plan, including the free tier. They're reachable via in-app chat, WhatsApp and email, backed by a multilingual local team covering Finnish, Italian, English, Maltese and more. For Finnish entrepreneurs who want a real point of contact during onboarding or when something needs sorting out, that's a consistent practical difference.
Yes. wamo is a Finnish Financial Supervisory Authority (FIN-FSA) regulated EMI, so your business account, EU IBAN and cards sit within the same regulatory framework you'd expect from Holvi. Switching is straightforward: you can open an account online in around 10 minutes, with no branch visit and no three-year contract. If your priority is taking card payments, in person via a POS terminal or on the go, alongside the day-to-day account features you'd expect, wamo is a strong alternative worth comparing side by side.
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.