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wamo Visa Business Debit Card: Spending & ATM Limits

Updated today

Empower your team with the flexibility to spend while maintaining total oversight. Whether you utilize our Physical Visa business debit cards or Virtual Visa business debit cards, each card comes with robust limits designed to support high-volume business operations.

Understanding Your Limits

It is important to note that these limits apply to each individual card separately, not to your overall account. This allows you to scale your business spending across multiple team members without hitting a collective ceiling.


Physical Visa Business Debit Cards

Our physical cards are engineered for global reliability. The limits below are determined by the IBAN linked to your card.

Euro (EUR) – for LU, DK, and FI IBANs

  • Single Transaction Limit: 50,000 EUR

  • 24-Hour Retail Limit: 100,000 EUR

  • Monthly Retail Limit: 300,000 EUR

  • Annual Retail Limit: 1,000,000 EUR

  • 24-Hour ATM Withdrawal: 2,000 EUR

  • Monthly ATM Withdrawal: 20,000 EUR

  • Annual ATM Withdrawal: 200,000 EUR

Danish Krone (DKK)

  • Single Transaction Limit: 350,000 DKK

  • 24-Hour Retail Limit: 750,000 DKK

  • Monthly Retail Limit: 2,250,000 DKK

  • Annual Retail Limit: 7,500,000 DKK

  • 24-Hour ATM Withdrawal: 15,000 DKK

  • Monthly ATM Withdrawal: 150,000 DKK

  • Annual ATM Withdrawal: 1,500,000 DKK

Swedish Krona (SEK)

  • Single Transaction Limit: 500,000 SEK

  • 24-Hour Retail Limit: 1,150,000 SEK

  • Monthly Retail Limit: 3,500,000 SEK

  • Annual Retail Limit: 11,500,000 SEK

  • 24-Hour ATM Withdrawal: 23,000 SEK

  • Monthly ATM Withdrawal: 230,000 SEK

  • Annual ATM Withdrawal: 2,300,000 SEK


Virtual Visa Business Debit Cards

Designed for the digital-first business, our virtual cards carry standard usage limits to ensure product control and security.

  • Single Purchase Limit: Up to 50,000 EUR

  • 24-Hour Retail Limit: Up to 100,000 EUR

  • Monthly Retail Limit: Up to 300,000 EUR

  • Annual Retail Limit: Up to 1,000,000 EUR

  • ATM Withdrawal Limits: Up to 2,000 EUR (Daily) / 20,000 EUR (Monthly) / 200,000 EUR (Annual)


Number of Cards & Plan Allowances

The number of Physical and Virtual Visa business debit cards included in your account, as well as the fees for additional cards, are designed to align with your specific business scale and vary depending on your chosen account plan.

To view a detailed and up-to-date breakdown of the card allowances and issuance fees associated with each of our plans, please visit our pricing page:

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