Fire.com review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fire.com suits businesses that want a Mastercard debit card and a multi-currency account from a provider with a named regulator in IE and GB. It supports 31 currencies and lists with the Central Bank of Ireland and the Financial Conduct Authority, while most cards in the comparison charge 1% in conversion.
Key facts
- Best for
- A multi-currency business account with a debit card on mastercard.
- 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
Pros and cons
Pros
- A debit card on the mastercard network, giving businesses a familiar way to pay suppliers and staff.
- Multi-currency balances across 31 currencies, which cuts the number of accounts a company has to hold.
- Named regulators in IE and GB, so the legal entity behind the account is easy to check.
- Founded in 2015 and run by Fire Financial Services Limited, a named company rather than an anonymous issuer.
Cons
- Built for a business audience, so personal users will not find it shaped for their needs.
- Support runs on email and help centre only, with no phone or chat line listed for urgent questions.
Who it suits
- Businesses that invoice and pay across several markets and want one balance per currency rather than a spread of accounts.
- Companies that want a mastercard card issued by a named legal entity with a listed regulator in both IE and GB.
- Firms that prefer written support, since queries are handled through email and help centre.
Who should look elsewhere
- Skrill, if a prepaid card suits you better than a debit card for everyday spending.
- JMMB Moneyline and JMMB Money Transfer prepaid card, if you would rather hold a prepaid card than run a business account.
- CrediMax, if a prepaid card fits your use better than a multi-currency business account.
Who runs it
Fire.com runs through Fire Financial Services Limited, based in Ireland and founded in 2015. Support comes by email and help centre. Its permissions are recorded as a Central Bank of Ireland payment institution, C58301, and as a Financial Conduct Authority electronic money institution, 900983, with a matching PSD_PI IE_CBI!C58301 entry on the EU register.
How Fire.com compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.6
8.9 vs 9.0
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.1Skrill offers a prepaid card, which suits readers who want a prepaid balance rather than a debit business account.
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 8.9- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.3
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 issues a debit card that runs on the mastercard network, so it draws on your account balance rather than a prepaid balance. It is built for a business audience and pairs the card with a multi currency account.
Who is Fire.com built for?+
The account is designed for a business audience rather than personal users, and the multi currency setup suits companies that hold several currency balances at once. Expect a business banking toolset with a debit card attached, not a personal current account.
How many currencies can I hold?+
The multi-currency account covers 31 currencies, which is the core of the offer alongside the debit card. Companies that invoice in several markets use it to keep balances separate instead of converting back and forth at checkout.
Who runs Fire.com?+
The service is run by Fire Financial Services Limited, based in Ireland and founded in 2015. That structure matters for business customers, who are contracting with a named legal entity rather than a trading platform holding funds in an offshore account.
Which regulators license Fire.com?+
Fire.com lists with the Central Bank of Ireland as a payment institution, C58301, and with the Financial Conduct Authority in GB as an electronic money institution, 900983. The Irish listing also appears on the EU register as PSD_PI IE_CBI!C58301.
What does a Fire.com card cost?+
Fees are not the headline: in this card ranking the median monthly charge is €0 and the median currency conversion charge is 1%, rising to 2.25% at the upper quartile. The Fire.com schedule is the figure to hold against those medians.
Are ATM withdrawals free?+
Across the cards in this ranking the median free ATM allowance is €0, while the upper quartile reaches €118.23. So free withdrawals are not the norm in this category, and you should budget cash fees before relying on a debit card abroad.
How do I get help?+
Support runs on email and help centre, so answers arrive by email and through the help centre. There is no phone or live chat line listed, which for a business account means most questions are handled in writing and worth raising early.
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.