Product
The whole money stack, under one login.
Agenco is built around one idea: the account you hold money in should be the same place you spend it, send it, convert it, and reconcile it.
Business accounts
Local account details in USD, EUR, GBP, NGN, KES, ZAR and more, all funding a single balance you can see in one view.
Virtual & physical cards
Issue an unlimited number of virtual cards in seconds. Order physical cards for the people who need them.
Local & cross-border payouts
SEPA, ACH, Faster Payments, and local African rails. Batch payroll and supplier runs from a single upload.
Spend controls & approvals
Per-card limits, category locks, vendor allowlists, and multi-signature approval thresholds.
Statements & reconciliation
Auto-matched invoices, exportable ledgers, and clean syncs to Xero, QuickBooks, and NetSuite.
Roles & audit trail
Admin, finance, and member roles with a complete immutable log of who moved what, and when.
Hold and see everything
A single treasury view across every currency you hold, with inbound collections and outbound spend in one continuous feed. Balances update the moment money moves — no overnight batch, no stale figure in a PDF.
- Local details for collections in 30+ currencies
- Real-time balance and cash-position view
- Sub-accounts per entity, team, or project
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
4821 ···· ···· 8841
Holder
Amina Diallo · Growth
Spend with guardrails built in
Every card carries its own policy. Set a monthly ceiling, restrict it to software vendors, and have it freeze automatically when someone leaves. Receipts are requested from the cardholder the moment a transaction lands.
- Unlimited virtual cards, issued instantly
- Category, vendor, and geography locks
- Automated receipt capture and matching
Move money on local rails
Pay a contractor in Lagos, a supplier in Rotterdam, and payroll in London from the same balance. Rates are quoted mid-market with a published spread, and the recipient gets exactly the amount you saw at send time.
- Batch payouts from CSV or the API
- Rate lock before you confirm
- Delivery tracking with rail-level status
Send money
- Rate
- 1 USD = 0.9137 EUR
- Spread
- 0.35%
- Transfer fee
- $0.00
- Arrives
- Within 20 minutes
Reconciliation feed
Close the month in an afternoon
Transactions arrive enriched with vendor, category, and owner, then match themselves against open invoices. What's left for your accountant is the genuinely ambiguous handful, flagged and waiting.
Talk to sales →