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Vivid Business vs Wamo: what each publishes

As of October 17, 2026, Vivid Business takes these industries by its own published rules: AI and SaaS; Crypto, with conditions; iGaming, with conditions; Adult, with conditions; Unlicensed financial services, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. We hold no such rule from Wamo.

Vivid BusinessCSSF / DNB (Dutch branch)WamoFIN-FSA

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

Vivid Business

Its own list of countries, quoted below with its source and date

Wamo

Its own list of countries, quoted below with its source and date

Policy by industry

Vivid Business and Wamo: published policy by industry
IndustryVivid BusinessWamo
AI and SaaSYesNo published rule
CryptoWith conditionsNo
iGamingWith conditionsNo published rule
AdultWith conditionsNo
Unlicensed financial servicesWith conditionsDepends on the activity
Forex and CFDWith conditionsNo published rule
MarketplaceWith conditionsNo published rule

Where owners must live

Vivid Business

All directors must have a residence in an EEA country or Switzerland.

Owners and directors · · Source

Wamo

No published rule

Rules about countries

Vivid Business

Any company’s legal entity must be registered within Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Malta, the Netherlands, Norway, Poland, Romania, Slovakia, Slovenia, Spain, Sweden or Switzerland.

Vivid Business · Takes companies registered in · · Source

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Malta, Netherlands, Norway, Poland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland

Wamo

To open a wamo business account, your company must be officially registered in the European Economic Area (EEA) or Switzerland.

Wamo · Takes companies registered in · · Source

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

Wamo · Refuses companies or owners from · · Source

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

Vivid Business

Vivid Business: published fees
PlanAccount openingMonthlyChecked
Free StartNot statedEUR 0 · Source
BasicNot statedEUR 8.9 a month billed monthly; EUR 6.9 a month billed annually · Source
ProNot statedEUR 24.9 a month billed monthly; EUR 18.9 a month billed annually · Source
EnterpriseNot statedEUR 96 a month billed monthly; EUR 79 a month billed annually · Source
Enterprise+Not statedEUR 319 a month billed monthly; EUR 249 a month billed annually · Source

Wamo

Wamo: published fees
PlanAccount openingMonthlyChecked
Freemium (companies)Not statedEUR 0; EUR 0.99 per local transfer · Source
Start (companies)Not statedEUR 20 billed monthly, or EUR 16 a month billed yearly; EUR 0.49 per local transfer · Source
Grow (companies)Not statedEUR 59 billed monthly, or EUR 49 a month billed yearly; 50 free local transfers a month · Source
Scale (companies)Not statedEUR 109 billed monthly, or EUR 89 a month billed yearly; 250 free local transfers a month · Source

Closing an account

Vivid Business

Vivid, in its sole discretion, may terminate these General T&Cs at any time, by giving you a prior notice as follows - if you are a Retail Customer, a two months prior notice; if you are a Business Customer (excluding for the avoidance of doubt, micro enterprises in countries where they fall under the definition of Retail Customers), at least ten calendar days prior notice.

Notice before closing · · Source

Account closed or frozen? What Vivid Business’s terms say

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.

Notice before closing · · Source

Account closed or frozen? What Wamo’s terms say

Licence

LicenseeVivid BusinessWamo
LicenseeVivid Money S.A. · electronic money institution authorised by the CSSF, Luxembourg (W00000015) · Dutch branch on the DNB register (R199916)Wamo Solutions Oy · electronic money institution authorised by the Financial Supervisory Authority of Finland (business ID 3368055-9)
RegulatorCSSF / DNB (Dutch branch) · FIN-FSA ·