Wamo
Wamo is a B2B expense / corporate issued on Visa, rated 6.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Wamo is the strongest fit for app store / play and free issuance, and asks for business KYC at signup — we carry it at low (EMI, finnish FSA) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Wamo · B2B Expense / Corporate |
| Official site | https://wamo.io |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 6.1/10 (3.0★, 679 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $0 (free virtual cards included) |
| Monthly / annual fee | Freemium EUR0; Smart ~EUR10-15; Pro ~EUR20-29 (per user) |
| Top-up (deposit) fee | Not published (fiat, 22 currencies) |
| FX / conversion fee | Competitive FX (ATM 1.99-2%) |
Verification and risk
| KYC required | Yes (business KYC, biometric, proof of address) |
| Risk level | Low (EMI, Finnish FSA) |
| AVS check | Yes (UK AVS) |
| 3-D Secure | Yes (Visa) |
Funding and limits
| Crypto top-up | No (EMI, fiat) |
| Bank transfer | Yes (SEPA, 22 currencies) |
| Alipay / WeChat Pay | No |
| Cards per account | Virtual: Freemium 1 / Smart 2 / Pro 100 |
Billing
| Billing address | EU General |
| Billing country | EEA (Finnish FSA EMI) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 447275 | Visa | EEA (Europe) | Credit | 264 | 190 | 72.0% |
We logged 190 cleared charges out of 264 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Wamo cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost Not published (fiat, 22 currencies); conversion is priced at Competitive FX (ATM 1.99-2%). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Wamo?
Wamo asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business KYC, biometric, proof of address)
How can I fund Wamo?
You can fund it with bank transfer (SEPA, 22 currencies). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Wamo need?
Setting it up: the billing address type is EU General; cards are issued against EEA (Finnish FSA EMI); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Wamo work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Wamo trigger 3-D Secure?
Yes. Wamo supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Wamo?
The issuer allows Virtual: Freemium 1 / Smart 2 / Pro 100. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.