wamo

wamo

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.

VS

Narvi

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.

Narvi
Fees from
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions. vs Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.
Features

0 shared

Regions

0 shared

Pay methods

2 shared

7 unique to wamo · 2 unique to Narvi
On payment methods

wamo supports 9 payment methods, 5 more than Narvi. Verify directly with each provider before signing.

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Show full specs
0 features · 11 payment methods · 0 regions. We don't rank these — they're here for reference.
wamo wamo
Narvi Narvi
Quick Facts
Fees
Standard transaction rate
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.
Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.
Settlement
Time to receive funds
Next business day
Instant to 24 business days
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
wamo leads (9 vs 4)
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Debit Card Unique
✓
—
Invoice Unique
✓
—
Pos Unique
✓
—
Sepa
✓
✓
Sepa Instant Unique
✓
—
Swift
✓
✓
Usdc Unique
—
✓
Virtual Card Unique
✓
—
Visa Unique
✓
—
Regions

wamo is best when you...

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.
View wamo

Narvi is best when you...

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.
View Narvi

Frequently Asked Questions

What is the difference between wamo and Narvi?
They share 2 payment methods and 0 regions. wamo adds Bank Transfer, Debit Card, Invoice and 4 more that Narvi does not list; Narvi adds Bitcoin, USDC that wamo does not list.
Which is cheaper, wamo or Narvi?
wamo has published rates from Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.; Narvi has published rates from Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use wamo and Narvi?
wamo lists 0 regions and 9 payment methods; Narvi lists 0 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do wamo and Narvi compare on integration and settlement?
wamo settles in Next business day, Narvi in Instant to 24 business days.

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