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wamo

wamo, run by Wamo Solutions Oy, is an e-money institution authorised by the Finnish FIN-FSA. It offers a digital business account with an EU IBAN that handles 22 currencies, with SEPA and SWIFT transfers and physical and virtual Visa debit cards. Account holders can order a POS terminal to take in-person card payments, and those sales are settled into the wamo account. The account also includes invoicing, bulk payments and expense management for teams.

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.
Settlement
Next business day
Coverage
2 countries
Payment methods
9
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with wamo before signing. Visit Website is an external link; we may earn a commission.

wamo overview

Best for

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.

wamo pricing & fees

Pricing structure

Pricing
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.
Your business must be registered in
Not disclosed

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wamo settlement & payouts

Payouts

Settlement time
Next business day
Settlement currencies
Not collected yet

wamo API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

wamo coverage & payment methods

Supported countries

2 countries
EEAGB

Payment methods

Bank TransferDebit CardInvoicePosSepaSepa InstantSwiftVirtual CardVisa

wamo licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Wamo Solutions Oy

Finland

Licenses

E-Money Institution FI

Authorised Electronic Money Institution (FI)

Financial Supervisory Authority (Finland)

License numbers & register records

1 license number · 1 register record on file for wamo, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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