Agencies in India are well served by current accounts that add team payouts, corporate cards and accounting tools. Platforms such as RazorpayX and Open run a current account through a partner bank with these tools, while Wise Business helps agencies receive money from overseas clients. Domestic banks suit agencies that need branch support or cash handling.
Suits Agencies best
Depends on needs. RazorpayX and Open suit teams that want payouts and corporate cards, while Wise Business suits agencies billing overseas clients.
Typical cost
No minimum balance with some platforms, or a minimum average balance at domestic banks, as of 9 March 2026.
Non resident position
Possible with full checks and an Indian registered company. Unclear cases, verify with the provider.
Providers that fit
Several. At least five providers accept this profile in India.
Fees and features as of 9 March 2026Last reviewed 9 March 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Creative, marketing and recruitment agencies in India usually need a current account with fast team payouts, corporate cards with spend controls, clean invoicing and accounting exports, and a way to receive money from overseas clients. RazorpayX and Open are common choices for teams, running a current account through a partner bank with payouts and cards. Wise Business helps eligible Indian businesses receive foreign currency from clients abroad. Domestic banks such as ICICI Bank, HDFC Bank and Axis Bank suit agencies that want branch support, cash handling or lending. Fees and features below are shown as of 9 March 2026, so confirm current terms with the provider.
What Agencies in India need from a business account
Agencies bill clients on projects, run a team, pay freelancers and vendors, and often work with clients abroad. The features that matter most are fast payouts to staff and vendors, corporate cards with spend limits, accounting and bookkeeping exports, clean invoicing and reconciliation, and a way to receive foreign currency from overseas clients. Cash handling is rarely a priority, which is why platform current accounts fit many agencies, though domestic banks remain useful where lending, cash or branch services are needed. As of 9 March 2026.
R
RazorpayX
Current account through a partner bank with fast payouts, corporate cards and accounting tools for teams. Limited cash handling.
Best for
Team payouts and cards
Cost
No minimum balance, payouts about INR 2 to INR 5 each
It depends on how your agency works. RazorpayX and Open suit teams that want fast payouts, corporate cards and accounting tools on a current account through a partner bank, while a domestic bank suits agencies that want branch support, cash handling or lending. For overseas clients, Wise Business helps receive and convert foreign currency. Compare the features your agency uses and verify current terms with the provider. This is general information, not advice.
Can an Indian agency get team cards and spend controls?
Yes. Platforms such as RazorpayX and Open offer corporate cards and spend controls for teams on a current account, usually with per card limits. The number of cards and any fees vary by plan and partner bank, so check the current pricing with the provider. As of 9 March 2026.
How can an agency in India get paid by overseas clients?
Wise Business provides international account details in several major currencies for eligible Indian businesses, then converts and settles funds to an Indian bank account. The Reserve Bank of India requires verification of PAN and Aadhaar for international receiving. Conversion costs and limits apply, so confirm the current terms with the provider. As of 9 March 2026.
Can an agency deposit cash with fintech platforms in India?
Fintech platforms focus on digital payments and usually do not handle cash, or limit it. If your agency handles cash, a domestic bank current account may fit better. Confirm cash handling rules with the provider, since policies change. As of 9 March 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 9 March 2026. Confirm current terms with the provider before applying.