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Wamoo is a digital wallet that makes it easy to save, send, spend, and even win rewards—whether you're moving money across borders or building your savings. It’s designed to work simply and securely, right from your phone.

Yes. Wamoo offers a Basic tier that’s completely free. You can upgrade to Plus+ for a small monthly fee if you want access to more features, exclusive rewards, and advanced savings tools.

Basic users pay a small fee when sending money to other Wamoo users, while Plus+ users enjoy free peer-to-peer transfers. Wallet top-ups are free for everyone. When sending money to banks, mobile wallets, or cash agents, the fee is percentage-based and depends on your destination. If you need to replace a card, there’s a small fee of $2.00.

Yes, all Wamoo users earn interest on their savings. Plus+ users also get smart tools like autosave, round-ups, and spending insights to help their savings grow even faster.

Yes. Your funds are stored in a pooled trust account held with a licensed financial institution. Wamoo never lends out your money or invests it on your behalf. We also use bank-grade encryption and strong fraud detection systems to keep your data and transactions secure.

Yes. Everyone can join savings groups through Wamoo. Basic users are limited to two groups at a time, while Plus+ users can join as many groups as they like.

Absolutely. Wamoo supports cross-border payments with competitive exchange rates and no hidden fees. You can send money to banks, mobile or money wallets, in multiple countries.

Every Wamoo user is automatically entered into a monthly prize draw just by saving. For every $1 you save, you earn 1 ticket. You can also earn bonus tickets by referring friends, maintaining savings streaks, or making frequent cross-border payments. To keep things fair, the total number of tickets in each draw is capped, and each user can only enter a limited number of tickets per draw.

If you're on the Plus+ plan, you unlock weekly draws in addition to the monthly one, get more tickets to boost your chances, and gain access to exclusive prizes not available to Basic users.

The virtual card is available to all users and can be used online or with mobile wallets. If you’re a Plus+ user, you’ll receive a free physical card for in-store purchases and ATM withdrawals. Virtual cards may have a small issuance fee for Basic users.