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Personal account

TT and US dollars,
in one account

Keep TT and US dollar balances, send and pay from your phone, and get paid from abroad.

Open an account
Sign up in the app with your ID.
9:41
Good morning, AmaraA
Total balance
TT$12,480.50
TT and US dollars in one app
Add moneySendScan
Mum · New YorkUSD received+US$200.00
PPearl's Roti ShopScan to pay-TT$45.00
KKeishaWam to Wam+TT$120.00
WKeisha sent you TT$120Wam to Wam · just now
ACH received+US$1,450.00
TT and US dollar balances

Keep both side by side and exchange at the displayed rate.

Send in seconds

To anyone on Wam with a phone number, with no Wam fee.1

Pay with a scan

At businesses that show a Wam QR code, and online with Pay with Wam.

Get paid from abroad

Your own USD, EUR and GBP account details.3

Wam account

Two currencies, one balance screen

See your TT and US dollars side by side and exchange between them in the app at the displayed rate, shown before you confirm.2

  • TTD and USD balances in one app
  • The rate on screen before you confirm
  • Every transaction in one timeline
TT dollarsTT$4,214.50
US dollarsUS$512.40
You exchangeUS$100.00
You getTT$678.00
1 USD = 6.78 TTD · indicative, includes our margin
Send and request

Send to anyone on Wam. Done in seconds.

Pick a contact, search a name or scan their code, type an amount and send. Money between Wam accounts typically arrives in seconds, with no Wam fee.1

  • Find people by name, username or contacts
  • Request money with a QR code or a link
  • Confirm with Face ID or your fingerprint
9:41
KKeisha+1 868 ••• 4417
TT$120
Doubles on Friday
SendSent
WKeisha received TT$120.00Wam to Wam · just now
Pay

Pay at the counter with a scan

Scan a business's Wam QR code and the payment goes straight from your balance. Online, choose Pay with Wam at checkout.

Pearl's Roti ShopScan to pay with Wam
Paid TT$45.00Pearl's Roti Shop
Global accounts

Get paid from the US, Europe and the UK

Your own USD, EUR and GBP account details, so clients, employers and family abroad can pay you straight into your US dollar balance.3

How global accounts work
USD accountACH · Wire · your own details
Routing number•••• •• 021
Account number•••• •••• 7314
Arrives inYour USD balance
Share details
WBrightline Studio LLCACH received+US$1,450.00
Add money

Money in, your way

Top up by bank transfer or cash at a Republic Bank or First Citizens branch, or with a debit card. Withdraw to your local bank account whenever you need to.5

Wam balanceTT$4,214.50
Bank transfer
Cash at a branch
Debit card
USD, EUR, GBP details
Wam to Wam
Web app

Your account in your browser too

Sign in at app.wam.money to see your balances, activity and cash flow on a bigger screen, and send, receive or withdraw from your desk.

  • The same account as the app
  • Send, receive and withdraw
  • Your full transaction history
Open the web app
A Wam personal dashboard at app.wam.money: balance, cash flow and recent transactions
Coming soon

The Wam card

A virtual card in the app first, then a physical card. We will tell you in the app when it is ready for you.4

Wam card · Coming soon

Spend your Wam balance wherever cards are accepted

Online and in shops, at home and abroad, once the card launches.

•••• 4821
Amara JosephVirtual card

Be first in line

Get the app and open your account now. The card will appear in the app when it launches.

Protection

Your money, looked after

How we protect you
Registered with the Central Bank

Wam is a registered E-Money Issuer with the Central Bank of Trinidad and Tobago.

No password to steal

Sign in with a secure link sent to your email. There is no password to phish or reuse.

Your face or fingerprint

Turn on Face ID or fingerprint and confirm payments with it.

Alerts and devices

Get a notification for payments, and remove any device you do not recognise.

Questions

How do I open a Wam account?
Download the Wam app, add your details and verify your ID. Higher limits need more verification: monthly limits start at TT$7,000 and go up to TT$40,000.
How long does it take to send money?
Money sent to another Wam account typically arrives in seconds. Withdrawals to a bank depend on the bank and the time of day.
Can I keep US dollars?
Yes. Alongside your TT dollar balance you can keep a US dollar balance, and exchange to TT dollars at the rate shown before you confirm. The rate includes our margin.
How do I get paid from abroad?
Once you are verified, open your account details in the app. You get USD, EUR and GBP details that people and companies abroad can pay into. Everything arrives in your US dollar balance.
Is Wam a bank?
No. Wam is a registered E-Money Issuer with the Central Bank of Trinidad and Tobago. Your Wam balance is e-money, not a bank deposit, and it is not covered by deposit insurance.
When is the Wam card coming?
Soon. When the card is ready for you, it will appear in the app. Until then, you can pay with a scan and online with Pay with Wam.

Open your account in minutes

Download Wam, verify your ID and start sending.

See what it costs

Every fee for personal accounts, in one place.

Pricing
Run a business?

Get paid in person and online with a Business account.

Wam for Business