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Fire.com review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fire.com suits businesses that want a debit card alongside multi-currency accounts, with 31 currencies for cross-border payments. The card runs on mastercard and the provider is licensed by the Central Bank of Ireland and the Financial Conduct Authority, which suits firms that want clear oversight on everyday spending.

Key facts

Best for
A debit card and multi-currency business account in one service.
Card type
Debit↗
Card network
Mastercard↗
Currencies
31↗
Legal entity
Fire Financial Services Limited↗
Headquarters
Ireland↗
Founded
2015↗
Support channels
Email, Help-centre↗
Features
Multi-currency
Audience
Business
Official website
fire.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • A debit card on mastercard for everyday company spending, with the balance and the card in the same service.
  • Accounts in 31 currencies, so supplier bills and customer receipts can be held in the currency they arrive in.
  • Regulated as a payment institution by the Central Bank of Ireland (C58301) and as an electronic money institution by the Financial Conduct Authority (900983).
  • Run by Fire Financial Services Limited, based in Ireland and trading since 2015.

Cons

  • Support runs on email and help centre only, so there is no phone line for a payment that is stuck on the day it matters.
  • The service is aimed at a business audience, so personal banking sits outside its remit.
  • The card runs on mastercard, leaving no second network to fall back on at a terminal.
Fire.com

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Businesses paying and receiving in 31 currencies who want one account rather than a bank account per market.
  • Firms that want a debit card and the balance behind it in the same place.
  • Buyers who check licences first: the Central Bank of Ireland and the Financial Conduct Authority both appear for this provider.

Who should look elsewhere

  • Anyone set on a virtual card, since Plazo is virtual while Fire.com issues a debit card.
  • Individuals after a personal account, as the service is built for a business audience and Skrill sits on the prepaid side.
  • Shoppers who want a prepaid balance, since AccessMore is prepaid and spends from a topped-up balance.

How Fire.com compares

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 kind of card does Fire.com offer?+

Fire.com offers a debit card that runs on the mastercard network. The service is aimed at a business audience, so the card is set up for company spending rather than personal use. The card draws on a balance held inside a multi-currency account, which is where the money sits.

Who regulates Fire.com?+

The provider is listed as a payment institution with the Central Bank of Ireland, licence C58301, and as an electronic money institution with the Financial Conduct Authority, licence 900983. The company operating the accounts is Fire Financial Services Limited, based in Ireland. Check both registers if you are moving a large balance.

How do I get help when something goes wrong?+

Support runs on email and help centre. That means a help centre for routine questions and email for anything the articles do not cover. There is no phone option listed, so if a payment is held up on a payroll or supplier run, email is the route to use and it is worth getting the payment references to hand before writing in.

Is Fire.com only for companies?+

Yes, the service is aimed at a business audience. The account and its debit card are built around company money rather than personal income, with balances available in 31 currencies. Someone shopping for a personal card or a prepaid account is looking at a different part of the market.

Why use one multi-currency account instead of several bank accounts?+

The multi currency account is the reason the service exists. Rather than opening a bank account for every market you trade in, a business user can keep 31 currencies in one place and pay from the balance in the currency of the invoice. The debit card then handles the day to day spending side.

How is a Fire.com card different from a prepaid card?+

Fire.com issues a debit card attached to a multi-currency business balance. Skrill, by contrast, is prepaid, and AccessMore is prepaid. A prepaid balance has to be loaded before it can be spent, whereas a debit card spends what the account already holds.

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

Fire.com

A debit card and multi-currency business account in one service.

8.8/10See alternatives