4.7 Excellent

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.

Start free in 10 minutes

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.

Open your account

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

Wise Business

Take card payments in person

0% commission on in-person sales*

Dedicated account manager, every plan

Support in your language

Get paid free, no setup fee

€0 monthly fee

Send and receive internationally

Choose wamo

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 started

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 started

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 started

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 card included
Choose Freemium
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 card included
€1000/month commission-free local POS transactions
Choose Start
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
Choose Grow
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
Choose Scale

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 card included
Choose Freemium
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 card included
€1000/month commission-free local POS transactions
Choose Start
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
Choose Grow
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
Choose Scale

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 card included
Choose Freemium
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 card included
€1000/month commission-free local POS transactions
Choose Start
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
Choose Grow
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
Choose Scale

Frequently asked questions

Get answers to common questions about our pricing and plans

Let's keep in touch

Book a free call with one of our consultants, no commitment required.

Get help

What's the real difference between wamo and Wise Business?

Can I take card payments in person with wamo?

Is wamo cheaper than Wise Business?

Does Wise Business give me a dedicated account manager?

Can I use wamo as a Wise alternative?

We stand for business

Apply in around 10 minutes or less. Get the tools and support to run things your way, from day one.

Open an account

We stand for business

Apply in around 10 minutes or less. Get the tools and support to run things your way, from day one.

Open an account

We stand for business

Apply in around 10 minutes or less. Get the tools and support to run things your way, from day one.

Open an account

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

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

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.

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.