Providers · Business accounts
Wamo
7 plans in our database · licensed as EMI
Data last verified: 21 August 2026
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Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| Freemium (Company) | business | Free | Free | n/a | €23.99 |
| Freemium (Sole Trader) | business | Free | Free | n/a | €19.99 |
| Smart | business | from €10/mo ⚠ | Free | n/a | €19.99 |
| Start | business | €20/mo | Free | n/a | €19.99 |
| Pro | business | from €29/mo ⚠ | Free | n/a | €19.99 |
| Grow | business | from €59/mo ⚠ | Free | n/a | €19.99 |
| Scale | business | €109/mo | Free | n/a | €19.99 |
* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.
What you get
Hold up to 5 currencies · local account details in DKK, EUR, GBP, SEK.
Getting in, and what you get
Offers term loans.
Legal forms
Accepts: General partnership · Limited partnership (LP) · Private limited company (Ltd / SRL / GmbH / BV) · Public limited company (PLC / SpA / AG) · Sole trader / freelancer.
Not accepted: Charity / non-profit · Cooperative · Government / public entity.
Regulation
Regulated or registered in Finland.
Regulators: Finnish Financial Supervisory Authority
In the fine print
Conditions from Wamo's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Limits
- Card and ATM limits apply per card, not per account: each additional virtual card adds another €50,000 of payment capacity.
- Limits are quoted in euro; on DKK and SEK accounts the equivalent amount in the account currency applies.
Payments & transfers
- Banking Circle is the underlying banking and payment-rails infrastructure partner.
- Sterling comes with a UK local IBAN on Faster Payments, with CHAPS available as a premium network.
- Swedish krona comes with a local Swedish IBAN: domestic payments clear in batches, with RIX Instant available as a premium network.
- Danish krone comes with a local Danish IBAN and supports local rail payments.
- Euro comes with local IBANs in Germany, Finland and Luxembourg, on SEPA and SEPA Instant (TIPS). The Finnish IBANs are dedicated to euro SEPA transfers only.
Cards
- Cards are issued on the Visa network under licence from Visa Europe.
Crypto
- Payments to or from EU-regulated crypto exchanges are accepted only when the funds move to or from an account held in the customer's own name or that of their UBO; third-party funds are not permitted.
Licence & regulation
- Regulated as an EMI by the Finnish Financial Supervisory Authority (FIN-FSA); the operating entity is Wamo Solutions Oy, registered in Finland under company number 3368055-9.
Will Wamo actually accept you?
Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks Wamo's published rules on all of them, and shows you the alternatives too.
Check in 2 minutes →