4.6 Excellent
Which Is better for European SMEs?
Which Is better for European SMEs?
Which Is better for European SMEs?
wamo vs Wise Business.
Designed for real-world finance workflows
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.
Designed for real-world finance workflows
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.
Why does wamo exist?
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 Wise Business
Wise Business
Feature
Monthly fee
From €0
/month
From €0
/month
Get started in minutes, not days
100% paperless onboarding
Specifically built for SMEs
Dedicated account manager for all plans
Human support for every plan
IBAN included
Global payments (22+ currencies)
Multi-market European coverage
Physical POS terminal
Here's how wamo compares to Wise Business
Wise Business
Feature
Monthly fee
From €0/ month
From €0/ month
Get started in minutes, not days
100% paperless onboarding
Specifically built for SMEs
Dedicated account manager
Human support for every plan
IBAN included
Global payments (22+ currencies)
Multi-market European coverage
Physical POS terminal
Who banks on wamo?
Meet the locals who trust wamo with their business.
"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 SRL
“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 locals who trust wamo with their business.
"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 SRL
“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 locals who trust wamo with their business.
"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 SRL
“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
Here's how wamo compares to Wise Business
Wise Business
Feature
Monthly fee from
€0
€0
Get started in minutes, not days
100% paperless onboarding
Specifically built for SMEs
Dedicated account manager for all plans
Human support for every plan
IBAN included
Global payments (22+ currencies)
Multi-market European coverage
Physical POS terminal
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
€5000/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
€7000/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
€5000/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
€7000/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: 2% 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
€5000/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
€15000/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
€20000/month commission-free local POS transactions
Frequently asked questions
Get answers to common questions about our pricing and plans
Reach out to us for help
Wise Business was built primarily as an international money transfer platform — ideal for moving funds across currencies. wamo is built for full business operations: you get a dedicated EU IBAN, team cards, a physical POS terminal, multi-currency payments in 22+ currencies, and a dedicated account manager from day one. For European SMEs that need a complete business account rather than a transfer tool, wamo offers the infrastructure and relationship-based support that Wise Business does not prioritise.
Both wamo and Wise Business offer plans starting from €0/month, so there is no upfront cost difference at entry level. The difference is in what you get for free: wamo's Freemium plan includes a business account with an EU IBAN, physical and virtual Visa cards, and local human support — with paid plans from €10/month for more transfers and cards. Wise Business charges per-transaction fees on top of their plan, which can add up at volume. wamo's pricing is designed to be transparent and predictable for growing SMEs.
No. Wise Business does not offer a dedicated account manager as a standard feature on any plan. With wamo, every customer — including free plan users — gets access to a dedicated account manager. Support is available via in-app chat, WhatsApp, and email, with a multilingual local team covering English, Italian, Finnish, Maltese, and more. For SMEs that value a real point of contact during onboarding or when issues arise, this is a consistent and practical difference.
Yes. Wamo supports registered businesses across the European Economic Area (EEA) and the UK, including limited companies, public companies, sole traders, and freelancers. Opening an account takes around 10 minutes online, with no setup fee and no branch visit required. If you are currently using Wise Business mainly for transfers, wamo gives you that same multi-currency capability — across 22+ currencies — plus a full business account: IBAN, team cards, POS terminal, and dedicated human support.
Frequently asked questions
Answers to common questions about getting started and using Vectura day to day.
Reach out to us for help
Reach out to us for help
Wise Business was built primarily as an international money transfer platform — ideal for moving funds across currencies. wamo is built for full business operations: you get a dedicated EU IBAN, team cards, a physical POS terminal, multi-currency payments in 22+ currencies, and a dedicated account manager from day one. For European SMEs that need a complete business account rather than a transfer tool, wamo offers the infrastructure and relationship-based support that Wise Business does not prioritise.
Both wamo and Wise Business offer plans starting from €0/month, so there is no upfront cost difference at entry level. The difference is in what you get for free: wamo's Freemium plan includes a business account with an EU IBAN, physical and virtual Visa cards, and local human support — with paid plans from €10/month for more transfers and cards. Wise Business charges per-transaction fees on top of their plan, which can add up at volume. wamo's pricing is designed to be transparent and predictable for growing SMEs.
No. Wise Business does not offer a dedicated account manager as a standard feature on any plan. With wamo, every customer — including free plan users — gets access to a dedicated account manager. Support is available via in-app chat, WhatsApp, and email, with a multilingual local team covering English, Italian, Finnish, Maltese, and more. For SMEs that value a real point of contact during onboarding or when issues arise, this is a consistent and practical difference.
Yes. Wamo supports registered businesses across the European Economic Area (EEA) and the UK, including limited companies, public companies, sole traders, and freelancers. Opening an account takes around 10 minutes online, with no setup fee and no branch visit required. If you are currently using Wise Business mainly for transfers, wamo gives you that same multi-currency capability — across 22+ currencies — plus a full business account: IBAN, team cards, POS terminal, and dedicated human support.
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
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
Frequently asked questions
Answers to common questions about getting started and using Vectura day to day.
Reach out to us for help
Reach out to us for help
Wise Business was built primarily as an international money transfer platform — ideal for moving funds across currencies. wamo is built for full business operations: you get a dedicated EU IBAN, team cards, a physical POS terminal, multi-currency payments in 22+ currencies, and a dedicated account manager from day one. For European SMEs that need a complete business account rather than a transfer tool, wamo offers the infrastructure and relationship-based support that Wise Business does not prioritise.
Both wamo and Wise Business offer plans starting from €0/month, so there is no upfront cost difference at entry level. The difference is in what you get for free: wamo's Freemium plan includes a business account with an EU IBAN, physical and virtual Visa cards, and local human support — with paid plans from €10/month for more transfers and cards. Wise Business charges per-transaction fees on top of their plan, which can add up at volume. wamo's pricing is designed to be transparent and predictable for growing SMEs.
No. Wise Business does not offer a dedicated account manager as a standard feature on any plan. With wamo, every customer — including free plan users — gets access to a dedicated account manager. Support is available via in-app chat, WhatsApp, and email, with a multilingual local team covering English, Italian, Finnish, Maltese, and more. For SMEs that value a real point of contact during onboarding or when issues arise, this is a consistent and practical difference.
Yes. Wamo supports registered businesses across the European Economic Area (EEA) and the UK, including limited companies, public companies, sole traders, and freelancers. Opening an account takes around 10 minutes online, with no setup fee and no branch visit required. If you are currently using Wise Business mainly for transfers, wamo gives you that same multi-currency capability — across 22+ currencies — plus a full business account: IBAN, team cards, POS terminal, and dedicated human support.
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
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.