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
Self-employed
Companies

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

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

Get answers to common questions about our pricing and plans
Get answers to common questions about our pricing and plans

What is a wamo business account?

What is a wamo business account?

What is a wamo business account?

Is a wamo account secure and compliant?

Is a wamo account secure and compliant?

Is a wamo account secure and compliant?

Who can open a wamo account?

Who can open a wamo account?

Who can open a wamo account?

How do I open a wamo account?

How do I open a wamo account?

How do I open a wamo account?

What documents do I need to apply?

What documents do I need to apply?

What documents do I need to apply?

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.

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.

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.

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.