Wamo offers two types of cards:
physical debit cards
virtual debit cards
This article outlines card spending limits and the maximum number of virtual and physical debit cards allowed.
Physical Debit Cards
Card Spending Limits
The limits below apply to each debit card separately, not to your overall account. This means if you create multiple cards, each card will have its own independent spending limit.
The limits can vary based on the IBAN linked to your cards.
For LU (Luxemburg) and DK (Danish) and FI (Finnish) IBANS: Euro (EUR)
24-hour ATM withdrawal limit: 2,000 EUR
24-hour retail transaction limit: 100,000 EUR
Monthly ATM withdrawal limit: 20,000 EUR
Monthly retail transaction limit: 300,000 EUR
Annual ATM withdrawal limit: 200,000 EUR
Annual retail transaction limit: 1,000,000 EUR
Single transaction limit: 50,000 EUR
British Pound (GBP)
24-hour ATM withdrawal limit: 2,000 GBP
24-hour retail transaction limit: 100,000 GBP
Monthly ATM withdrawal limit: 20,000 GBP
Monthly retail transaction limit: 300,000 GBP
Annual ATM withdrawal limit: 200,000 GBP
Annual retail transaction limit: 1,000,000 GBP
Single transaction limit: 50,000 GBP
Danish Krone (DKK)
24-hour ATM withdrawal limit: 15,000 DKK
24-hour retail transaction limit: 750,000 DKK
Monthly ATM withdrawal limit: 150,000 DKK
Monthly retail transaction limit: 2,250,000 DKK
Annual ATM withdrawal limit: 1,500,000 DKK
Annual retail transaction limit: 7,500,000 DKK
Single transaction limit: 350,000 DKK
Swedish Krona (SEK)
24-hour ATM withdrawal limit: 23,000 SEK
24-hour retail transaction limit: 1,150,000 SEK
Monthly ATM withdrawal limit: 230,000 SEK
Monthly retail transaction limit: 3,500,000 SEK
Annual ATM withdrawal limit: 2,300,000 SEK
Annual retail transaction limit: 11,500,000 SEK
Single transaction limit: 500,000 SEK
The limits for contactless card payments are as per the EU and UK Card Schemes.
Number of Physical Debit Cards
Each wamo plan has a different limit on the number of physical debit cards a business can have.
Freemium Plan
Businesses on the Freemium plan get 1 physical debit card for free. They can create 1 additional physical debit card for €9.99, for a maximum of 2 cards.
Start Plan
Businesses on the Start get 1 physical debit card for free. They can create 1 additional physical debit card for €9.99, for a maximum of 2 cards.
Grow Plan
Businesses on the Grow plan get the first 5 physical debit cards for free. They can create up to 5 additional physical debit cards for €9.99 each, for a maximum of 10 cards.
Scale Plan
Businesses on the Scale plan get 100 physical debit cards for free.
Virtual Debit Cards
Card Spending Limits
The limits below apply to each debit card separately, not to your overall account. This means if you create multiple cards, each card will have its own independent spending limit.
The limits can vary based on the IBAN linked to your cards.
For the LU (Luxemburg) and DK (Danish) and FI (Finnish) IBANS: Euro (EUR)
24-hour retail transaction limit: 100,000 EUR
Monthly retail transaction limit: 300,000 EUR
Annual retail transaction limit: 1,000,000 EUR
Single transaction limit: 50,000 EUR
British Pound (GBP)
24-hour retail transaction limit: 100,000 GBP
Monthly retail transaction limit: 300,000 GBP
Annual retail transaction limit: 1,000,000 GBP
Single transaction limit: 50,000 GBP
Danish Krone (DKK)
24-hour retail transaction limit: 750,000 DKK
Monthly retail transaction limit: 2,250,000 DKK
Annual retail transaction limit: 7,500,000 DKK
Single transaction limit: 350,000 DKK
Swedish Krona (SEK)
24-hour retail transaction limit: 1,150,000 SEK
Monthly retail transaction limit: 3,500,000 SEK
Annual retail transaction limit: 11,500,000 SEK
Single transaction limit: 500,000 SEK
The limits for contactless card payments are as per the EU and UK Card Schemes.
Number of Virtual Debit Cards
Each wamo plan has a different limit on the number of virtual debit cards a business can have.
Freemium Plan
Businesses on the Freemium plan get 1 virtual debit card for free (no additional virtual debit cards available).
Start Plan
Businesses on the Start plan get 1 virtual debit card for free (no additional virtual debit cards available).
Grow Plan
Businesses on the Grow plan get the first 10 virtual debit cards for free. They can create up to 90 additional virtual debit cards for €0.99 each, for a maximum of 100 cards.
Scale Plan
Businesses on the Scale plan get 100 virtual debit cards for free.