4.7 Excellent
Which is better for European SMEs
Which is better for European SMEs
wamo vs Wise Business.
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.
wamo is the digital business account built for small businesses.
Manage your account, card payments, multi-currency money, and real human support in one app, and get back time lost to admin, fees, and scattered tools.
Join 15,000+ European businesses already on wamo.
Manage your account, card payments, multi-currency money, and real human support in one app, and get back time lost to admin, fees, and scattered tools.
Join 15,000+ European businesses already on wamo.
Manage your account, card payments, multi-currency money, and real human support in one app, and get back time lost to admin, fees, and scattered tools.
Join 15,000+ European businesses already on wamo.
Open in 10 minutes
Set up your business account online in about 10 minutes. No branch visit, no paperwork pile, no waiting weeks for a yes.
Keep more of your money
Spend on your business with physical and virtual Visa cards, and take card payments through wamo POS. Clear costs, no hidden fees.
Money that moves with you
Hold and convert 22 currencies, with local IBANs in 6 countries. Send and receive locally and across borders, all from one app.
Real people, your language
Get support from a real, local-language team, not a chatbot maze. Plus AI tools that turn your transactions into time saved.
Here's how wamo compares to Wise Business
Here's how wamo compares to Wise Business
Wise Business
Take card payments in person
Take card payments in person
0% commission on in-person sales*
0% commission on in-person sales*
Dedicated account manager, every plan
Dedicated account manager, every plan
Support in your language
Support in your language
Get paid free, no setup fee
Get paid free, no setup fee
€0 monthly fee
€0 monthly fee
Send and receive internationally
Send and receive internationally
Who banks on wamo?
Meet the businesses that choose 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 choose 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 choose 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
Billed Monthly
Billed Yearly
Save up to 20%
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
2.19 % per ATM withdrawal
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
2.19 % per ATM withdrawal
1 physical + 1 virtual Visa cards included
€1000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
€59
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
€10000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
€109
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
€15000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Billed Monthly
Billed Yearly
Save up to 20%
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
2.19 % per ATM withdrawal
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
2.19 % per ATM withdrawal
1 physical + 1 virtual Visa cards included
€1000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
€59
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
€10000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
€109
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
€15000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Billed Monthly
Billed Yearly
Save up to 20%
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
2.19 % per ATM withdrawal
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
2.19 % per ATM withdrawal
1 physical + 1 virtual Visa cards included
€1000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
€59
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
€10000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
€109
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
€15000/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
What's the real difference between wamo and Wise Business?
Wise is built for moving money across borders, and it does that well. wamo is built to run the whole business: an account with an EU IBAN, team Visa cards, in-person card payments, multi-currency, and a dedicated account manager from day one. Need a transfer tool? Wise fits. Need a business account that does it all in one app? That's wamo.
Can I take card payments in person with wamo?
Yes. wamo gives you a POS terminal and Tap to Pay, so you can take card payments at the counter, on the go or at an event, straight into your wamo account. Wise has no in-person card payments at all. On eligible plans you pay 0% commission on in-person sales (local consumer cards, up to a monthly allowance).
Is wamo cheaper than Wise Business?
Both start at €0 a month, so there's no monthly fee either way. The real difference is the free plan: wamo's Freemium includes an EU IBAN so you can get paid straight away, while Wise's free plan needs a one-time setup fee before you can receive money. wamo's paid plans start at €10 a month as you add transfers, cards and POS allowance.
Does Wise Business give me a dedicated account manager?
No, Wise doesn't assign a dedicated account manager on any plan. With wamo, every customer gets one, including on the free plan, plus a local-language support team you can reach via in-app chat, WhatsApp, or email in English, Italian, Swedish, Finnish and Maltese.
Can I use wamo as a Wise alternative?
Yes. If you mostly use Wise to send and receive money abroad, wamo does that too, across 22+ currencies. What you gain is everything around it: in-person card payments, team cards, expense controls, invoicing and a real point of contact, all in one account. Plenty of businesses run day to day on wamo.
We stand for business
Apply in around 10 minutes or less. Get the tools and support to un things your way, from day one.
We stand for business
Apply in around 10 minutes or less. Get the tools and support to un things your way, from day one.