Fire.com review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Fire.com suits businesses that hold and spend across several currencies: the account is multi-currency with 31 currencies on a debit card, under a Central Bank of Ireland payment institution licence and a Financial Conduct Authority electronic money licence. The trade-off is a narrow feature list and help on email and help centre only.
Key facts
- Best for
- Businesses paying staff and suppliers in other currencies from a single balance.
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- 31 (Source, checked September 26, 2026)
- Legal entity
- Fire Financial Services Limited (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency
- Audience
- Business
- Official website
- fire.com
Pros and cons
Pros
- Multi-currency is the core of the product: multi currency across 31 currencies for a business account.
- Regulated on both sides, with a Central Bank of Ireland payment institution licence and a Financial Conduct Authority electronic money licence.
- A simple debit card on the mastercard network, with debit the dominant type on the site at 74.3%.
- Backed by a named operator, Fire Financial Services Limited, founded in 2015 and based in Ireland.
Cons
- Support runs on email and help centre only, so there is no phone route for urgent card problems.
- The feature list is narrow at multi currency, while virtual cards appear on 39.2% of accounts across the site.
- The business group this account sits in typically runs monthly fees of €0 and conversion fees of 1%, so check both before switching.
Who it suits
- Firms paying staff or suppliers in other currencies who want one balance rather than several accounts.
- Businesses that want a debit card on mastercard for company spending.
- Readers who check the regulator first: the account is run by Fire Financial Services Limited under a Central Bank of Ireland payment institution licence.
Who should look elsewhere
- Anyone after a personal or student account: the audience is business.
- Anyone who needs a virtual card, since the only listed feature is multi currency.
- Anyone who wants phone support: help runs on email and help centre.
How Fire.com compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where Fire.com is available
- Available
- Ireland, United Kingdom
- Licence in Ireland
- Central Bank of Ireland (Payment Institution) (C58301), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (Electronic Money Institution) (900983), checked September 26, 2026
- Licence in Ireland
- IE_CBI (PSD_PI IE_CBI!C58301), checked September 26, 2026, also valid in Austria, Belgium, Germany, Spain, Finland, France, Ireland, Italy, Luxembourg, Malta, Netherlands, Poland, Portugal
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Fire.com cost a business?+
Business accounts on the site typically run a monthly fee of €0 and a currency conversion fee of 1%. Those are the markers for weighing Fire.com's own pricing. Holding several currencies on a single debit card is where the cost case starts.
Who regulates Fire.com and is the account safe?+
The account is run by Fire Financial Services Limited, authorised by the Central Bank of Ireland as a payment institution, C58301, and registered with the Financial Conduct Authority as an electronic money institution in the UK, 900983. Those licences are the safety check before you move company money.
How many currencies can I hold?+
Fire.com is built as a multi currency account covering 31 currencies, so a business can hold and convert several at once. The firm behind it, Fire Financial Services Limited, was founded in 2015 and is based in Ireland, and it holds a Financial Conduct Authority electronic money licence for the UK side.
What card do I get and what network does it run on?+
The card is debit, running on mastercard, so it is accepted wherever Mastercard debit cards are taken and there is no credit element to repay. Debit is also the dominant type on the site, at 74.3% of the cards compared here.
Who is Fire.com built for?+
The audience is business, so sole traders, small firms and limited companies are the natural fit. It suits companies that pay staff or suppliers in other currencies and want a single balance across several rather than several single-currency accounts. Personal everyday banking sits outside that scope.
What are ATM withdrawals like?+
Cash is the weak spot across this market: the typical free ATM allowance on the site is €0 and among debit accounts it is €0. Budget for machine charges, or keep company spending on the card and in online payments.
How do I reach support?+
Help comes through email and help centre, so a help centre plus email covers questions on limits, currency conversion and card swaps. There is no listed phone line, which matters most when a card is blocked while a customer is at your till.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=IE_CBI!C58301; EntityType=PSD_PI; ENT_NAM=Fire Financial Services Limited”
- fire.com checked September 26, 2026
Backs: Founded
“(c) 2015 - 2026 Fire Financial Services Limited trading as fire.com and Fire.”
- fire.com/services/debit-cards checked September 26, 2026
Backs: Card type, Card network
“Issue all the MasterCard debit cards you need along with all the accounts required to create the optimal setup for reconciliation and automated payment processing.”
- fire.com/services/fx-and-international-transfers checked September 26, 2026
Backs: Currencies, Features
“In addition to euro and sterling transfers, Fire supports SWIFT collections in 31 currencies, received directly into your default euro or sterling account.”
- fire.com/support/faqs checked September 26, 2026
Backs: Audience, Monthly fee, Support channels
“Fire offers digital payment services to help businesses streamline their payments, either through our web app or the Fire Payments API.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.
Fire.com
Businesses paying staff and suppliers in other currencies from a single balance.