Narvi vs Wamo: what each publishes
As of October 17, 2026, Narvi takes these industries by its own published rules: AI and SaaS; Marketplace; iGaming, with conditions; Adult, with conditions; Forex and CFD, with conditions. We hold no such rule from Wamo.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Narvi
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United States
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Other
The regions its own documents name, read on October 9, 2026
Wamo
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Denmark
- Estonia
- Finland
- Germany
- Gibraltar
- Greece
- Iceland
- Ireland
- Italy
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Romania
- Slovenia
- Spain
- Sweden
- Switzerland
Its own list of countries, quoted below with its source and date
Policy by industry
| Industry | Narvi | Wamo |
|---|---|---|
| AI and SaaS | Yes | No published rule |
| Marketplace | Yes | No published rule |
| iGaming | With conditions | No published rule |
| Adult | With conditions | No |
| Forex and CFD | With conditions | No published rule |
| Crypto | Depends on the activity | No |
| Unlicensed financial services | No | Depends on the activity |
Where owners must live
Narvi
No published rule
Wamo
No published rule
Rules about countries
Narvi
No published rule
Wamo
To open a wamo business account, your company must be officially registered in the European Economic Area (EEA) or Switzerland.
Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, Germany, Gibraltar, Greece, Iceland, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Romania, Slovenia, Spain, Sweden, Switzerland
wamo does not onboard customers connected to the countries listed below, and does not process transactions to or from them. … onboard a business whose directors or shareholders are nationals or residents of one of these countries
Afghanistan, Belarus, Bosnia & Herzegovina, Burundi, Central African Republic, Cuba, DR Congo, Eritrea, Ethiopia, Guinea-Bissau, Iran, Iraq, Kosovo, Lebanon, Libya, Mali, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen
Fees
Narvi
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Tiers 1–4 | One-time onboarding fee plus three months of monthly deposits | Dependent on your classification and any added compliance requirements | · Source |
Wamo
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Freemium (companies) | Not stated | EUR 0; EUR 0.99 per local transfer | · Source |
| Start (companies) | Not stated | EUR 20 billed monthly, or EUR 16 a month billed yearly; EUR 0.49 per local transfer | · Source |
| Grow (companies) | Not stated | EUR 59 billed monthly, or EUR 49 a month billed yearly; 50 free local transfers a month | · Source |
| Scale (companies) | Not stated | EUR 109 billed monthly, or EUR 89 a month billed yearly; 250 free local transfers a month | · Source |
Closing an account
Narvi
The Company has the right to terminate the Agreement with two (2) months written notice.
Wamo
This Agreement may be terminated, and the Client’s Account(s) may be closed by providing the Client with at least one (1) months’ notice.
Licence
| Licensee | Narvi | Wamo |
|---|---|---|
| Licensee | Narvi Payments Oy Ab · EMI authorised by the Finnish Financial Supervisory Authority (reg. 3190214-6) | Wamo Solutions Oy · electronic money institution authorised by the Financial Supervisory Authority of Finland (business ID 3368055-9) |
| Regulator | Finnish Financial Supervisory Authority (FIN-FSA) · | FIN-FSA · |