Business banking for companies without borders.
Hold thirty currencies in one account, issue cards your team can actually use, and move money across borders in minutes. Agenco is the treasury layer your bank never built.
Total balance
$1,284,905.22
Payroll · 14 people
SEPA · today
−€48,200.00
Stripe payout
USD · today
+$126,540.10
AWS EMEA
Card ···· 8841
−$9,318.44
Customer — Kite Labs
GBP transfer
+£22,000.00
The gap
You operate in five countries. Your bank thinks you operate in one.
One bank holds the operating account but can't send abroad without a three-day wire. Another holds euros but won't issue cards. A payments provider handles collections but settles into an account you can't spend from.
So finance lives in four dashboards, reconciliation happens in a spreadsheet, and nobody can answer "how much do we actually have" without an hour of work. Agenco replaces the whole stack.
Fast
Local rails where they exist, instant internal transfers everywhere else. Payouts settle in minutes, not banking days.
Secure
Approval policies, role-based access, and continuous fraud monitoring. Every movement is logged and attributable.
Multi-currency
Hold, convert, and pay in 30+ currencies from one balance. Real mid-market rates with a published spread.
Full-stack
Accounts, cards, spend controls, FX, and reconciliation. One provider instead of four half-solutions.
Accounts & cards
One balance. Every currency. Cards for everyone who needs one.
Open local account details in USD, EUR, GBP, NGN, KES, and more — no local entity required. Issue virtual cards instantly and physical cards on request, each with its own limit, category rules, and expiry.
Explore accounts →4821 ···· ···· 8841
Holder
Amina Diallo · Growth
Send money
- Rate
- 1 USD = 0.9137 EUR
- Spread
- 0.35%
- Transfer fee
- $0.00
- Arrives
- Within 20 minutes
Transfers & FX
Cross-border payouts that arrive before the meeting ends.
Pay suppliers, contractors, and staff on local rails in their own currency. You see the mid-market rate and our spread before you send — no receiving-bank surprises, no hidden correspondent fees.
Get custom pricing →Spend controls
Give your team spend without giving up control.
Set approval thresholds, require two signatures above a limit, and lock cards to specific vendors or categories. Receipts are chased automatically and every transaction carries its owner.
Explore controls →Approvals
2-of-3 policyVendor payment · Figma
Requested by Kofi A. · $1,240
New card · Contractor
Requested by Lena M. · $2,000 limit
Payout · Lagos office
Requested by Sam O. · ₦8,400,000
Get early access to Agenco
We onboard a small group of companies each week. Tell us where to reach you and we'll send an invite with your onboarding slot.