Agencies in Sweden can choose between international online accounts and traditional Swedish banks. Revolut Business and Wise Business suit agencies that bill or pay clients and contractors abroad with multi currency support, Airwallex gives a Swedish krona account with local details, and banks such as SEB and Swedbank offer a local account with Bankgiro and Swish for business plus branch support.
Suits Agencies best
Depends on needs. Revolut Business and Wise Business suit agencies billing or paying abroad, while a traditional Swedish bank suits agencies that want a local account with Bankgiro and Swish for business.
Typical monthly fee
From zero on a free or basic plan up to a few hundred kronor a month depending on provider and plan, as of 13 April 2026.
Non resident position
Possible with full checks. Traditional Swedish banks ask for heavy documentation and often a branch visit, while electronic money providers may accept European Economic Area registered companies. Unclear cases, verify with the provider.
Providers that fit
Several. At least three providers fit this profile in Sweden.
Fees and features as of 13 April 2026Last reviewed 13 April 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 Sweden usually need a business account with shared cards and spend controls for the team, tidy invoicing and value added tax records, and multi currency support for overseas clients and contractors. Revolut Business and Wise Business help agencies that work across currencies, Airwallex helps with collections in several currencies, and a traditional Swedish bank suits agencies that want a local account with Bankgiro and Swish for business. Fees and features below are shown as of 13 April 2026, so confirm current terms with the provider.
What Agencies in Sweden need from a business account
Agencies bill clients on projects, run a team, and often work with clients or contractors abroad. The features that matter most are cards with spend limits, accounting and bookkeeping exports, multi currency accounts to reduce conversion costs, and clean records for invoicing and Swedish value added tax. Cash handling is rarely a priority, which is why online providers fit many agencies, though traditional Swedish banks remain useful where local payment services, lending or branch support are needed.
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Revolut Business
Strong multi currency and expense tools, opened online, with cards and spend limits. Support is mainly in app.
It depends on how your agency works. Revolut Business adds multi currency and expense tools, Wise Business helps pay overseas contractors at the mid market rate, and Airwallex gives a Swedish krona account with local details for collecting abroad. A traditional Swedish bank suits agencies that want a local account with Bankgiro and Swish for business. Compare the features your agency uses and verify current terms with the provider. This is general information, not advice.
Can an agency get team cards with spend limits?
Yes. Providers such as Revolut Business offer additional cards with spend limits and approval controls, usually on paid plans. The number of free cards and the cost of extra cards vary by plan, so check the current pricing with the provider.
Do these accounts handle foreign currency for overseas clients?
Yes. Wise Business, Revolut Business and Airwallex hold and convert several currencies, which suits agencies billing or paying abroad. Conversion costs and included allowances differ by provider and plan. Verify the current foreign exchange terms with the provider before applying.
Does the account work with Swish for business and Bankgiro?
A local account at a Swedish bank such as SEB or Swedbank can work with Swish for business and Bankgiro. Electronic money providers are limited for these local Swedish services. Confirm local payment support with the provider, since policies change.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 13 April 2026. Confirm current terms with the provider before applying.