Accounting that practically runs itself
Sync your wamo account with Xero to automate bookkeeping, reduce accounting complexities, and keep your finances tidy.
Accounting sync
Auto-reconciliation
Smart reporting
Accounting that practically runs itself
Sync your wamo account with Xero to automate bookkeeping, reduce accounting complexities, and keep your finances tidy.
Accounting sync
Auto-reconciliation
Smart reporting
Accounting that practically runs itself
Sync your wamo account with Xero to automate bookkeeping, reduce accounting complexities, and keep your finances tidy.
Accounting sync
Auto-reconciliation
Smart reporting
Sync in seconds
Connect wamo to Xero and sync your transactions to cut down on time and manual entry.
Reconcile with ease
Speed up bookkeeping with automatic tagging and matching of transactions in your accounting system.
Stay tax-ready
Stay in control of your income with tools that reduce admin and help you plan ahead.
All-in-one accounting
Save hours with automatic reconciliation, in-app invoicing, and more.
Sync transactions directly to Xero
Send and track invoices from your wamo account
Match incoming and outgoing payments automatically
Keep your books clean and audit-ready with less effort
How it works
1
Apply for a wamo account
Applying is simple. Once approved, you can select the Xero integration features you need.
2
Connect to Xero
Log in to Xero through wamo, link your account and choose which data you want to sync.
3
Map your transactions
Categorise or tag expenses and income streams to align with your accounting workflow automatically.
4
Keep books up-to-date
Every transaction appears in Xero, so your books reflect real-time financial health at any moment.
Simple, transparent pricing to suit your business
Self-employed |
Companies
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control. |
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently. |
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Self-employed |
Companies
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Self-employed |
Companies
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
Freemium
€0
/month
You're just getting started and want simple, essential tools to manage your business account.
No setup fee
Business Account with EU IBAN
1 virtual Visa card included
€0.99 per local transfer
1.99% per ATM withdrawal
€9.99
/month
You’re handling multiple projects or clients and need better visibility and control.
Smart
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
€19.99
/month
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
Pro
TOP PICK
No setup fee
Business Account with EU IBAN
3 physical + unlimited virtual Visa cards included
50 free transfers/month
ATM withdrawals: 4 free/month, 10 with annual plan
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 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
"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
"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
"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 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 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
"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
"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
"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 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 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
"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
"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
"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
Why wamo?
Dedicated to businesses of all sizes
For businesses feeling underserved by the banks, we’ve got you.
Secure and compliant
Authorised by the Finnish Financial Supervisory Authority and compliant with EU data privacy rules.
Real people, genuine support
Every wamo conversation connects you with a friendly business expert.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.
Is a wamo account secure and compliant?
Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.
Who can open a wamo account?
We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include:
Limited Liability Companies (LLC)
Public Limited Companies (PLC)
Sole traders, freelancers, and self-employed professionals
Please note: UK-based sole traders are not currently supported.
How do I open a wamo account?
You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.
What documents do I need to apply?
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
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.
Is a wamo account secure and compliant?
Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.
Who can open a wamo account?
We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include:
Limited Liability Companies (LLC)
Public Limited Companies (PLC)
Sole traders, freelancers, and self-employed professionals
Please note: UK-based sole traders are not currently supported.
How do I open a wamo account?
You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.
What documents do I need to apply?
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
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.
Is a wamo account secure and compliant?
Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.
Who can open a wamo account?
We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include:
Limited Liability Companies (LLC)
Public Limited Companies (PLC)
Sole traders, freelancers, and self-employed professionals
Please note: UK-based sole traders are not currently supported.
How do I open a wamo account?
You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.
What documents do I need to apply?
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
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
