Marketing, creative and digital agencies in Bulgaria are usually best served by a euro account that handles foreign client invoices and team card spending. Wise Business, Revolut Business and Payoneer all accept Bulgarian registered agencies.
Suits Agencies best
Revolut Business for team cards and expenses, Wise Business for foreign invoices
Typical monthly fee
EUR 0 to about EUR 30 a month depending on plan
Non resident position
Possible. Digital providers can open remotely, while traditional banks ask for an in person visit and a one time KYC fee. Verify with the provider.
Providers that fit
3 providers commonly fit, plus traditional banks
Fees and features as of 5 June 2026Last reviewed 5 June 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Agencies in Bulgaria bill clients in euro and often in other currencies, pay contractors, and run card spending across a team. A euro account in the SEPA area covers most needs, and a multi currency account helps when clients pay from abroad. Fees and features below are shown as of 5 June 2026, so confirm current terms with the provider before applying.
What Agencies in Bulgaria need from a business account
Agencies need to send and receive client payments, often in several currencies, issue cards to staff or contractors, and export transactions for bookkeeping. Bulgaria is in the euro area and SEPA, so euro transfers are cheap and fast, while the main differences between providers are foreign exchange cost, card and expense tools, and whether they accept cash.
R
Revolut Business
All in one account with team cards, spending limits and accounting integrations. Remote opening for Bulgarian companies. Cash deposits are not supported.
What is the best business account for an agency in Bulgaria?
It depends on how you work. Revolut Business suits agencies that want team cards and expense controls, Wise Business suits agencies billing foreign clients, and Payoneer helps collect from international clients and marketplaces. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Can a Bulgarian agency hold several currencies?
Yes. Wise Business and Revolut Business let an agency hold and convert several currencies, which helps when clients pay from outside the euro area. The currencies covered and conversion costs vary by provider and plan, so verify current terms with the provider.
Do agencies in Bulgaria need a traditional bank as well?
Not always. Many agencies run day to day banking with a digital provider, but a traditional bank is needed for the capital accumulation account when forming a company, and can help with cash handling or lending. Confirm what your situation requires with the provider.
What currency are agency accounts in Bulgaria held in?
The euro. Bulgaria adopted the euro on 1 January 2026 and the lev was withdrawn from circulation in early 2026, so new business accounts are held in euro. Confirm current terms with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 5 June 2026. Confirm current terms with the provider before applying.