Estonian agencies are usually an OU billing clients on invoices and paying contractors, so they need a euro company account with invoicing, cards and accounting sync. Qonto and Finom suit registered agencies, while Wise Business fits agencies with overseas clients who want multi currency receiving.
Suits Agencies best
Depends on whether your clients are mostly local or international.
Typical monthly fee
EUR 0 to about EUR 19 a month with fintechs, as of 25 February 2026.
Non resident position
Possible with EEA fintechs that onboard remotely. Verify with the provider.
Providers that fit
3 covered here, more in the market
Fees and features as of 25 February 2026Last reviewed 25 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
A registered Estonian agency, normally an OU, needs a company account in euro with invoicing, several cards and a sync to its accounting tool. Qonto and Finom give a European IBAN with these features. Wise Business is the better fit when a large share of clients pay in other currencies, because it adds local receiving details and mid market conversion. Compare the cost of the features you actually use, not just the headline monthly fee. Figures shown as of 25 February 2026.
What Agencies in Estonia need from a business account
Agencies bill clients on invoices, pay contractors and freelancers, and run a small team that needs cards and clear expense tracking. The useful features are a euro IBAN, invoicing with payment tracking, multiple cards with spend limits, and a sync to accounting tools. If clients pay from abroad, multi currency receiving and fair conversion matter too. Cash handling is rarely a priority, which is why fintechs tend to fit.
Q
Qonto
A European IBAN with invoicing, team cards and accounting sync for a registered agency. Confirm current plan limits with Qonto.
These providers accept Agencies in Estonia. Fees and eligibility shown as of 25 February 2026. Confirm current terms with the provider before applying.
A registered Estonian agency usually wants a euro company account with invoicing, cards and accounting sync, such as Qonto or Finom. Agencies with overseas clients often prefer Wise Business for multi currency receiving. As of 25 February 2026, confirm features with the provider. This is general information, not advice.
Can an e-Resident agency open these accounts?
Yes, EEA fintechs such as Wise Business, Revolut Business, Qonto and Finom generally onboard e-Resident companies remotely, subject to their checks. Traditional Estonian banks usually require a local visit. As of 25 February 2026, verify eligibility with the provider.
How much does an agency account cost in Estonia?
Fintech company accounts range from about EUR 0 to EUR 19 a month, with extra cards and transfers adding to the cost, as of 25 February 2026. Wise Business has no monthly fee and charges per use. Confirm current pricing with the provider.
Do these accounts include team cards?
Company accounts such as Qonto and Finom offer multiple cards with spend limits, with the included number varying by plan, as of 25 February 2026. Check the number of cards and the cost of extra cards with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 February 2026. Confirm current terms with the provider before applying.