Agencies in Ireland usually want project based cash flow, easy invoicing, expense cards for the team, and clean accounting records. Revolut Business and Wise Business suit agencies that value low cost and multi currency billing, while AIB or Bank of Ireland suit those that want branches and lending. As of 24 April 2026.
Suits Agencies best
Depends on needs. Revolut Business and Wise Business for low cost and multi currency, a traditional bank for lending and branches. As of 24 April 2026.
Typical monthly fee
From no monthly fee at Wise Business up to a plan fee at Revolut Business or transaction fees at a traditional bank. As of 24 April 2026.
Non resident position
Irish registered agencies can apply. Overseas owners face more checks at traditional banks. As of 24 April 2026.
Providers that fit
Several. At least three providers fit this profile in Ireland.
Fees and features as of 24 April 2026Last reviewed 24 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Agencies, from creative and marketing to design and consultancy studios, tend to run on projects with uneven cash flow, several clients, and a team that spends on the firm card. The features that matter most are easy invoicing, expense and team cards, accounting links for project based bookkeeping and VAT, and multi currency where clients are overseas. Revolut Business and Wise Business cover low cost and multi currency needs, while AIB and Bank of Ireland suit agencies that want branches, lending and a relationship manager. Fees and features below are shown as of 24 April 2026, so confirm current terms with the provider.
What Agencies in Ireland need from a business account
Agencies invoice clients, pay staff and contractors, and often work with suppliers and platforms abroad. The useful features are clear invoicing, expense and team cards with spend controls, exports or links to accounting tools so project profitability and VAT are easy to track, and the ability to hold or receive foreign currency where clients pay in pound or dollar. Cash handling is rarely a priority. Digital providers fit most agencies, while a traditional bank helps where lending or a relationship manager matters.
R
Revolut Business
Euro account with Irish IBANs, cards, invoicing and accounting links. Provided by Revolut Bank UAB and regulated by the Central Bank of Ireland for consumer protection rules. Paid plans add allowances.
Best for
Cards and multi currency
Monthly fee
Basic plan from about 10 euro a month, higher plans above
Holds and converts many currencies at the mid market rate, useful for agencies billing clients abroad. A payment provider, not a bank, so funds are safeguarded rather than covered by a deposit scheme.
Best for
International client billing
Monthly fee
No monthly fee, a one time setup fee about 50 euro
Full service Irish bank with branches, lending and cash handling for agencies that want a banking relationship. Business accounts carry transaction and maintenance fees.
Best for
Branches and lending
Monthly fee
Transaction and maintenance fees, see the bank's fee schedule
It depends on how you work. Revolut Business and Wise Business suit agencies that want low cost banking, invoicing and multi currency for overseas clients, while AIB or Bank of Ireland suit agencies that want branches, lending and a relationship manager. Compare features and verify current terms with the provider. This is general information, not advice. As of 24 April 2026.
Can these accounts handle international client payments?
In general yes. Wise Business lets you hold and receive several currencies, which helps agencies with overseas clients, and Revolut Business supports multi currency accounts. Traditional banks also offer international payments, often at a wider foreign exchange spread. Confirm the currencies and receiving details you need with the provider. As of 24 April 2026.
Do these accounts offer expense cards for staff?
Several do. Revolut Business offers corporate and virtual cards with spend controls on its plans, which helps agencies manage staff spend, and traditional banks offer business cards. Card availability and any fees vary by plan and provider, so verify with the provider. As of 24 April 2026.
Do they connect to accounting software?
Commonly yes. Revolut Business and Wise Business support links or exports to popular accounting tools, which helps with project based bookkeeping and VAT, and the main Irish banks support feeds to common packages. Confirm the specific integration you need with the provider. As of 24 April 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 24 April 2026. Confirm current terms with the provider before applying.