For a small agency with multiple owners, I would focus less on “digital bank” branding and more on four capabilities:

1. Custom roles (not just Admin/User)
2. Account-level access restrictions (who can see which accounts)
3. Approval workflows (dual approval for payments)
4. Separation of duties (bookkeeper, finance lead, partner, staff)

Based on current features, these are the strongest options:

1. Mercury — Best overall for most agencies

Mercury has become one of the most flexible options for SMBs. It offers:

• Admin, employee, accountant, and fully customizable roles
• Permissions for payments, cards, accounting access, reimbursements, and user management
• Access restricted to specific bank accounts
• Approval policies and dual-admin controls for payments
• Reusable role templates such as Finance Lead, Read Only, and Money Mover

For a 5–30 person agency, a common setup would be:

• Owners = Admins
• Operations manager = Custom role with payment authority
• Bookkeeper = Read-only accounting role
• Staff = Expense/card-only access

2. Relay — Best if you separate money into many accounts

Relay is particularly attractive for agencies because many firms maintain separate accounts for:

• Operating expenses
• Payroll
• Taxes
• Client retainers
• Profit distributions

Relay supports multiple permission levels and advisor/bookkeeper roles. It is known for letting businesses limit access to specific accounts rather than exposing the entire banking dashboard.

If your partners want visibility into everything while staff only see certain budgets or client funds, Relay is often the cleanest solution.

3. Brex — Best for advanced governance

Brex offers:

• Multiple admin types
• User-management-only administrators
• Bookkeeper roles
• Per-user permission overrides
• Custom roles on higher-tier plans
• Strong approval chains and spend controls

For agencies with:

• 20+ employees
• Department budgets
• Complex approval requirements
• Significant ad spend

Brex is usually the most sophisticated option.

Recommended ranking for a multi-owner agency

If you have 2–5 partners and under 25 employees:

1. Mercury
2. Relay
3. Brex

If client funds or project budgets need strict separation:

1. Relay
2. Mercury
3. Brex

If you're scaling toward a finance team and formal approvals:

1. Brex
2. Mercury
3. Relay

If you tell me:

• number of owners,
• number of staff,
• whether you hold client funds,
• and whether you use an external bookkeeper/accountant,

I can suggest a specific role-and-permission structure that fits your agency.

For a small agency with multiple partners and employees, Relay Financial and Mercury offer the most flexible and advanced user permissions and access control systems among digital banking platforms.

These platforms move far beyond the basic "all-or-nothing" access of traditional banks, allowing you to delegate financial tasks without sacrificing oversight or security.

Top Digital Banks Ranked by Permission Flexibility

• Relay Financial : Best for detailed team hierarchies.
  • Allows you to assign distinct, role-based permissions for partners, staff, and external accountants.
  • Supports creating up to 20 separate checking sub-accounts. You can restrict specific employees so they only see or interact with a single designated account.
  • Features a layered payment workflow where staff members can look at bills and draft transfers, but a primary partner must log in to provide final approval before any money leaves.
• Mercury : Best for custom developer controls and scaling operations.
  • Offers granular control over specific financial mechanisms, such as allowing a staff member to handle ACH transfers but blocking them from making domestic or international wire transfers.
  • Features dedicated user tiers including Admin, Employee, Bookkeeper, and Custom.
  • Allows your technical team or agency developers to have read/write API access to financial data without granting them any authority to move actual funds.
• Brex : Best for managing corporate spending across multiple partners.
  • While tailored slightly toward high-growth startups, its permission structures excel if multiple partners regularly spend agency funds.
  • Allows admins to create custom card-spending rules, set individual employee limits, and build approval chains for any high-value bills.

Core Comparison of Features

Important Blind Spots to Consider

• Dual-Signature Workarounds : If your formal corporate bylaws require two partners to physically sign off on checks, ensure the digital bank you select supports dual-authorization rules digitally. Relay and Mercury both allow you to configure system-wide rules requiring two separate admins to authorize transactions above a specific dollar threshold.
• Accountant/Bookkeeper Silos : Avoid giving your external accounting team full administrative privileges. Look for digital platforms that offer explicit read-only or transaction-drafting-only options . This keeps your tax documentation seamless while completely cutting off unauthorized outbound cash movement.

To help narrow down the best platform, how many partners and staff members need access, and do you require the ability to set custom dollar limits for specific employee debit cards?

For a small agency with multiple partners and staff, Mercury and Relay Financial stand out as the top digital banking platforms offering the most flexible, granular user permissions and multi-owner controls.

Unlike entry-level digital banks that only offer "all-or-nothing" full administrative access, these platforms allow you to precisely separate owner-level privileges from day-to-day employee operations.

1. Comparative Breakdown of Top Digital Banks

2. Deep Dive: Mercury (Best for Customizable Roles)

Mercury provides the most sophisticated user control architecture on the market for small-to-mid-sized businesses.

• Custom Role Builder: Beyond standard presets (Admin, Accountant, Employee), you can build completely unique roles from scratch. For example, you can create a "Project Manager" role that can view balances but requires approval for any external transfers.
• Granular Account Isolation: If your agency separates client retainer funds or revenue, you can hide specific checking accounts entirely from certain team members. A user will only see the account balances they have explicitly been granted access to.
• Multi-Admin Guardrails: To protect multiple owners, you can activate rules requiring dual-admin approval . For instance, adding a new user or initiating a transfer above $10,000 can be locked until two partners authorize it.

3. Deep Dive: Relay Financial (Best for Profit-First & Sub-Accounts)

Relay Financial relies on a hyper-structured role-based system that integrates cleanly with agency operations like accounts payable and payroll.

• 6 Preset Tiered Roles: Access is assigned using roles like Admin, Manager, Bill Payer, Cardholder, Deposit Only, and Read Only.
• Per-Account Mapping: Relay allows you to open up to 20 separate checking accounts . You can restrict your media buyer to only see the "Ad Spend" account and their specific card, completely blocking them from your main payroll or tax reserves.
• Dedicated Bill Pay Roles: You can safely onboard a virtual assistant or staff member as a "Bill Payer". They can log in, upload invoices, and stage payments, but an owner must log in to execute the actual cash outlay.

4. Implementation Steps: Securing Your Agency's Banking

To optimize control and safety among multiple partners, execute the following configuration strategy during setup:

1. Establish the Owner Foundation: Have all primary partners sign up as original Administrators / Owners to fulfill KYC (Know Your Customer) requirements.
2. Implement Dual-Control Overrides: Go to your security settings (available in Mercury) and mandate that changes to bank security, large wire transfers, or user deletions require two separate partner approvals.
3. Map Staff to Sub-Accounts: Do not give general employee roles visibility over the master account. Utilize the sandboxed approach in Relay or custom visibility in Mercury to match staff members strictly to the checking buckets they use for daily tasks.
4. Issue Ring-Fenced Debit Cards: Never share a single physical or virtual card. Issue individual virtual cards to staff members with strict, rolling weekly or monthly spend limits linked directly to their specific operational sub-account.

To help tailor a recommendation, how many partners need admin control, and how many staff members require access? If you use specific accounting software like QuickBooks or Xero , sharing that can help narrow down the best choice.

For a small agency with multiple owners, choosing a digital bank that offers flexible user permissions is crucial. You want to be able to manage who can see what, who can spend, and who can approve transactions without giving everyone full access. Here’s a breakdown of some of the top options tailored for small businesses and agencies:

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1. Mercury (U.S.)

Best for: Tech-savvy small businesses with multiple stakeholders.
Strengths:

• Allows multiple users with different roles: Admin, Owner, Team Member, and Read-Only.
• Can set permissions for viewing balances, initiating payments, or approving transactions.
• Integrates with accounting software for visibility without giving full access.
• Great for startups or agencies handling client funds or internal budgets.

Limitations:

• U.S. only.
• Some advanced features are tied to higher-tier plans.

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2. Brex (U.S.)

Best for: Agencies needing corporate cards with controlled spending.
Strengths:

• Multiple user roles with customizable spending limits.
• Can assign card limits per employee or project.
• Admins can approve or restrict transactions by team or project.
• Integrates with tools like QuickBooks and Xero.

Limitations:

• Mainly U.S.-focused, may require personal guarantee depending on business type.

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3. Wise Business (International / U.K. & EU)

Best for: Agencies that handle international payments.
Strengths:

• Multi-user access with varying permissions (e.g., view-only, pay-only, full access).
• Multiple owners can be added, with each having custom roles.
• Excellent for agencies dealing with freelancers or overseas clients.
• Transparent, low-fee international transfers.

Limitations:

• Not a full-featured business bank (no credit cards, loans, or advanced bookkeeping tools).

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4. Revolut Business (U.K. & EU, some U.S. availability)

Best for: Agencies needing multi-currency accounts and cards.
Strengths:

• User roles: Admin, Accountant, and Standard Member.
• Can control access to payments, card issuance, and currency exchange.
• Advanced audit trails for team activities.
• Multi-currency accounts simplify international projects.

Limitations:

• Advanced permissions mostly on higher-tier plans.

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5. Qonto (EU)

Best for: European agencies and startups.
Strengths:

• Multiple users with granular access controls (e.g., who can create payments, approve, or only view).
• Customizable workflows for approvals—ideal for agencies with multiple partners.
• Integrates with accounting and expense management tools.
• Transparent, agency-friendly pricing.

Limitations:

• Limited to Europe.
• Some integrations require higher-tier plans.

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Key Criteria to Compare

When deciding, focus on:

1. User roles & granularity: Can you set view-only vs. payment-only vs. approval permissions?
2. Approval workflows: Can payments or transfers be set to require multiple approvals?
3. Audit trails: Are actions by each user logged for accountability?
4. Integration with accounting software: Important for agencies to avoid manual reconciliation.
5. International access: If you work with overseas clients or contractors.

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💡 Recommendation:
For a U.S.-based small agency, Mercury is extremely flexible for multiple owners and team members. If you operate in Europe or internationally, Qonto or Wise Business provide excellent control over permissions and cross-border access.

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If you want, I can make a side-by-side table comparing Mercury, Brex, Wise, Revolut, and Qonto specifically for multiple owners and staff permissions, which will make it much easier to see which fits your agency workflow best.

Do you want me to do that?

For small agencies with multiple owners, digital banks that provide granular, role-based access controls—allowing distinct permissions for partners, accountants, and staff—are essential. The top digital banks for this requirement, based on flexible user permissions, include Relay , Mercury , and Slash.

Top Digital Banks for Flexible Permissions

• Relay (Best for Team Collaboration): Relay is designed specifically for small businesses that need to manage finances collaboratively. It allows you to create up to 20 checking accounts, which is ideal for isolating revenue, tax reserves, and payroll. It provides role-based permissions, allowing you to assign specific access levels to employees, partners, or bookkeepers.
• Mercury (Best for Tech/Growth Agencies): Mercury is highly tailored for tech-forward agencies and startups, offering granular user permissions. You can set up custom access, such as read-only access for accountants or specific transaction-initiation abilities for managers. It has no monthly fees and provides excellent API integrations.
• Slash (Best for Multi-Entity Management): Slash is a modern operational platform that excels in complex, multi-owner, or multi-entity structures. It allows you to manage all entities from a single, unified dashboard. It provides advanced permissions, including multi-step payment approvals and the ability to set up complex, custom workflows.

Key Features for Agency Owners

When selecting a digital bank, prioritize those that offer:

• Role-Based Access Control (RBAC): Ability to assign roles such as "Admin," "Viewer," or "Initiator" to ensure staff can only perform tasks necessary for their job.
• Multi-User Access: Unique logins for each team member, rather than sharing a single password.
• Transaction Approvals/Dual Control: Ability to require approval from multiple partners before a large wire transfer or invoice payment is sent.
• Virtual/Physical Card Controls: Ability to issue corporate cards to staff with specific spend limits and budget restrictions.

Comparison of Top Picks

For agencies looking to automate expense management and streamline permissions, Relay and Mercury are generally considered the strongest, most intuitive choices.

For a small agency with multiple owners and staff, the key differentiator among “digital banks” (really fintech business banking platforms) is granular role-based access control —not just sub-accounts or cards. You want platforms that support:

• Multiple admin roles (owner, finance, approver, bookkeeper)

• Card-level permissions (limits, merchant categories, approval flows)

• Account segmentation (sub-accounts / envelopes)

• Audit trails + approvals

• External accountant access without full admin rights

Below are the strongest options in practice right now.

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🥇 Best overall for flexible permissions: Brex

Brex

Brex is widely considered the most mature for role-based access + enterprise-grade controls , even for small teams that expect to grow.

Why it stands out for agencies:

• Very granular role system (admin, AP clerk, bookkeeper, employee, custom roles)

• Strong approval workflows for payments and card spend

• Detailed visibility controls (what each user can see/do)

• Dedicated card management permissions (issue, freeze, limit cards per user/team)

• Clean separation between finance ops vs general employees

It’s especially good if you have:

• Multiple partners needing oversight

• Staff issuing ad spend / vendor payments

• A bookkeeper or fractional CFO who should not have full control

Tradeoff: slightly more “startup/tech-oriented” and less simple than others. brex.com

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🥈 Best for multi-owner small teams + simplicity: Relay

Relay

Relay is probably the most practical option for small agencies that want simple but powerful permissioning without enterprise complexity.

Key strengths:

• Up to ~20 checking accounts (great for splitting revenue, taxes, client funds) relayfi.com

• Multiple team members with controlled access

• Role separation (owners vs bookkeepers vs employees)

• Debit cards with spend limits and category controls

• Easy onboarding for non-finance users

Why agencies like it:

• You can mirror your agency structure (clients, departments, projects)

• Partners can each manage areas without seeing everything

• Staff can only spend within assigned limits

Tradeoff: fewer advanced approval workflows than Brex.

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🥉 Strong all-in-one finance + spend control: Ramp

Ramp

Ramp is less a “bank” and more a spend management + corporate card platform with banking-like features.

Best for:

• Agencies with heavy ad spend (Meta, Google, SaaS tools)

• Strict approval flows before spending happens

• Department-level budgets and controls

Access control strengths:

• Role-based permissions (approvers vs cardholders vs finance)

• Very strong spend policies (per vendor, category, employee)

• Real-time enforcement of rules (not just reporting)

Tradeoff: less “bank account structure” flexibility than Relay.

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Also worth considering

Mercury (good baseline, weaker permissions depth)

Mercury

• Clean UI, solid for startups

• Has team access and permissions

• But fewer granular controls compared to Brex or Ramp Source 1 Best if you want simplicity over control depth.

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Bluevine / Grasshopper (more traditional SMB banking)

Bluevine
Grasshopper Bank

• More basic role access

• Less sophisticated permissions and workflows

• Better for straightforward checking accounts than structured teams

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Quick recommendation for a small agency

• Best overall control + scalability: Brex

• Best balance of simplicity + multi-owner structure: Relay

• Best for spend-heavy agencies (ads, SaaS tools): Ramp

• Simplest “good enough” option: Mercury

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If you want a sharper recommendation

Tell me:

• number of owners + staff

• whether you run paid ads / client billing / payroll through the account

• whether you need client-by-client separation

I can map a specific setup (e.g., “Relay + Ramp combo” or “Brex-only structure”) that fits your workflow.

For small agencies and consultancies with multiple owners, contractors, and staff , the key differentiator in digital banking is not interest rates or UX—it’s role-based access control (RBAC) : how granularly you can separate ownership, approvals, payments, cards, and reporting visibility across users.

Below are the digital banking platforms that currently stand out for flexible permissions and multi-user controls , especially for small businesses.

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1) 🥇 Best overall for granular permissions: Mercury

Mercury

Mercury is one of the strongest options for startups and agencies that need clean, structured access control without enterprise banking complexity.

Why it stands out:

• Multiple user roles (Admin, Accountant, Employee-style access)

• Ability to restrict:

• ACH/wire initiation

• Bill pay approvals

• Card issuance and limits

• Clear separation between view-only vs. payment-capable users

• Easy onboarding/offboarding for contractors or part-time staff

Best for: agencies that want simple-but-real RBAC without heavy configuration overhead.

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2) 🥈 Most flexible “power-user” controls: Relay Financial

Relay Financial

Relay is designed specifically around multi-user financial workflows , which makes it especially strong for agencies and partnerships.

Key strengths:

• Multiple checking accounts under one structure (useful for clients/projects)

• Up to 20+ users depending on plan

• Highly granular permissions:

• Who can create payments

• Who can approve payments (dual control workflows)

• Who can only view transactions

• Built-in approval flows (useful for partners or co-founders)

Best for: agencies with partner approval workflows or client-by-client budgeting.

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3) 🥉 Strong all-round SMB option: Brex (Business + Spend Controls)

Brex

Brex is widely used in venture-backed startups and agencies with structured spend management.

Key strengths:

• Very granular card-level permissions

• per employee

• per department

• per vendor/category

• Approval chains for expenses

• Spend limits and policy controls

• Admin hierarchy (Owner → Admin → Cardholder-style roles)

Limitations:

• More spend-management focused than full banking flexibility

• Some features optimized for venture-backed companies

Best for: agencies that care more about expense control than full banking workflows.

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4) Solid EU/global alternative: Revolut Business

Revolut Business

Revolut is one of the more mature platforms for multi-user permissions with international teams.

Key strengths:

• Role-based permissions (Admin, Finance Manager, Employee, Read-only, etc.)

• Ability to restrict:

• payments

• FX transfers

• card usage

• Approval workflows for outgoing payments

• Good for distributed teams and contractors abroad

Best for: agencies operating internationally or with remote teams.

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5) Simple but limited option: Novo

Novo

Novo is popular with freelancers and very small agencies.

Key strengths:

• Basic multi-user access

• Simple permissions (mostly “view vs transact”)

• Integrates with tools like QuickBooks

Limitations:

• Not very granular (no deep approval chains or role hierarchies)

Best for: very small agencies (2–5 people) without complex approval needs.

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Quick comparison (what actually matters)

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Practical recommendation for a small agency

If your structure includes multiple owners + staff + contractors , the decision usually breaks down like this:

• Need real financial governance (approvals, partner controls) → 👉 Relay Financial

• Need simple clean banking with decent roles → 👉 Mercury

• Need tight spending control + cards per employee → 👉 Brex

• Need international teams + FX control → 👉 Revolut Business

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If you want, I can map this specifically to your agency structure (e.g., “2 owners + 3 staff + contractors + client funds”) and suggest the best setup pattern for permissions and accounts.

For a small agency with multiple owners, staff, and contractors, the digital banks that offer the most flexible user permissions and granular access controls are Relay , Mercury , and Brex. These platforms allow for specific, role-based access, enabling partners and staff to have tailored permissions without full administrative control.

Top Digital Banks for Flexible Permissions

• Relay (Best for Role-Based Access Controls): Relay is designed specifically for small businesses needing team access and cash flow management. It offers:
• Granular User Permissions: Role-based access levels (admin, accountant, view-only, or custom), allowing you to restrict staff from seeing balances, making transfers, or issuing cards.
• Multiple Accounts: You can create up to 20 checking accounts, allowing partners to have separate operating, tax, and revenue accounts.
• Team Cards: Issue up to 50 physical or virtual debit cards with customized spending limits.
• Mercury (Best for Team Collaboration): Tailored for startups and growing agencies, Mercury offers robust controls for teams.
• Flexible User Roles: Easily set permissions for team members, including accountants, to manage payments or view statements.
• Easy Virtual Card Management: Create, pause, and issue virtual cards for team spending on ads, subscriptions, or travel, each with specific limits.
• Dual Approval: Allows for multiple approvers on outgoing payments, providing essential security for multiple-owner agencies.
• Brex (Best for Scaling & Expense Management): A unified financial platform that excels in spend management for teams.
• Customized Spend Policies: Set granular spending controls by user, merchant, or transaction type.
• Integrated Expense Management: Automated approval flows for expenses, streamlining work for finance teams.
• Multi-User Management: Offers advanced permission levels for administrators to assign authorization roles.

Other Notable Options

• Airwallex: Provides multi-user access that enables team members to create and authorize debit cards while managing international transactions.
• Revolut Business: Strong for team collaboration, allowing you to assign permissions for managing cards and expenses, with dual approval options.

Key Considerations for Agencies

• Accountant Access: Both Relay and Mercury allow you to grant direct, limited access to your CPA or accountant.
• Virtual Cards: These are essential for agencies to assign, track, and limit spending for different team members or client projects.
• Approval Workflows: Select platforms that allow you to set multiple levels of approval for payments.

Disclaimer: Mercury and Brex are financial technology companies, not banks. Banking services are provided by partner banks.

For a small agency with multiple partners, the difference between “basic multi-user access” and truly flexible permissions comes down to three things:

• Granularity (can you control actions like payments vs. view-only vs. approvals?)

• Role customization (pre-set roles vs. fully custom roles)

• Approval workflows & limits (e.g., dual approval, spending caps)

Here’s a grounded look at digital banks/fintechs that are consistently considered strong on this—plus where each one actually shines or falls short.

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🏆 Most flexible digital banking platforms for multi-owner agencies

1. Mercury

Best overall for startups/agencies needing clean role control + UI

• Multiple users with customizable permissions per account and per action

• Granular controls like:

• Who can initiate vs. approve payments

• Card-level controls (spend limits, vendor locking)

• मजबूत audit trails and activity logs

👉 Why it stands out:
Mercury balances ease of use + real control , which many traditional banks fail at.

👉 Limitation:
Not fully “enterprise-grade” RBAC (role-based access control) like a treasury system.

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2. Relay Financial

Best for budgeting + role-based access by account (“envelope-style”)

• Create multiple accounts and assign user access per account

• Roles include:

• Admin

• Bookkeeper (read + limited actions)

• Employee (card-only access)

• Strong separation between partners vs. staff

👉 Why it’s powerful:
You can segment money + permissions together , which is ideal for agencies managing client budgets.

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3. Brex

Best for advanced permissions + spend control (especially with cards)

• Highly granular permissions:

• Department-level budgets

• Employee-specific card rules

• Built-in approval workflows for spend

• Deep integration with accounting tools

👉 Why it stands out:
Closer to a finance operations platform than just a bank.

👉 Limitation:
Less flexible if you want simple banking without the spend-management layer.

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4. Ramp

Best for automation + approval chains

• Fine-grained permissions for:

• Bill pay approvals

• Vendor payments

• Expense categories

• Automated approval flows and policy enforcement

👉 Why it’s useful:
Great if your agency has multiple partners approving expenses or invoices.

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5. Wise Business

Best for international teams with decent (not best-in-class) permissions

• Multi-user access with roles like:

• Admin

• Standard user

• Good visibility + audit logs

👉 Tradeoff:
Permissions are simpler and less customizable than Mercury/Brex.

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6. Revolut Business

Best for highly customizable roles (especially outside the US)

• Advanced role system:

• Custom roles

• Approval workflows

• Spending limits per user

• Can scale from small teams to larger orgs

👉 Why it’s notable:
One of the few fintechs offering near enterprise-level role customization. intellias.com

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🧠 What “good permissions” actually look like (so you can evaluate options)

Across modern digital banking platforms, the strongest setups include:

• Role-based access (Owner, Admin, Read-only, Cardholder) unit.co

• Ability to:

• Separate view vs. transact vs. approve

• Set transaction limits per user

• Restrict access to specific accounts only

• Full audit logs of user activity epicofinance.com

• Easy ability to add/remove users instantly epicofinance.com

The gap between average and best platforms is how customizable those roles are.

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⚖️ Quick comparison (practical lens)

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🧭 Straight recommendation

For a small agency with multiple owners + staff , I’d narrow it down to:

• Mercury → best balance of simplicity + control

• Relay → best if you want clean separation of funds by team/client

• Brex or Ramp → best if approvals + expense governance matter heavily

• Revolut Business → best if you want maximum customization (especially globally)

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If you want, tell me:

• team size

• how many partners

• whether approvals are required (e.g., 2 signatures)

I can suggest a tighter stack (or even a combo of bank + expense tool) that fits your exact workflow.

For a small agency with multiple owners, the top digital banks offering flexible user permissions, granular access controls, and robust team management are Relay Financial , Mercury , and Ramp. These platforms allow for distinct roles, such as accountants, partners, and employees, with customizable spending limits and approval workflows.

Here are the best digital banks based on flexible user permissions:

1. Relay Financial (Best for Granular Control)

Relay is particularly noted for its high-level control over team access and multi-account organization, making it ideal for agencies with multiple partners.

• Permissions: Allows creating custom roles for employees and partners, including view-only access for bookkeepers or accountants.
• Access Controls: Enables setting up to 50 debit cards with individual spending limits.
• Approval Workflows: Supports "dual control" (multi-level approvals) for ACH payments and wire transfers to prevent fraud.
• Structure: Supports up to 20 checking accounts, which is beneficial for separating operating expenses, taxes, and owner distributions.

2. Mercury (Best for Tech/Growth-Focused Agencies)

Mercury offers a sophisticated, tech-forward platform tailored to fast-moving startups and agencies that require virtual cards and high-level financial oversight.

• Permissions: Offers robust, granular user permissions to manage team access without requiring manual intervention for every update.
• Team Access: Allows owners to assign unique logins to partners and employees, with specific permissions for team members.
• Virtual Cards: Issues multiple virtual cards for team members to manage spending.
• Scalability: Allows adding multiple users with different roles as the agency grows.

3. Ramp (Best for Spend Management & Staff)

While technically a spend management platform with integrated banking, Ramp is excellent for agencies needing tight controls over staff spending and expense automation.

• Permissions: Offers sophisticated approval workflows for expenses.
• Access Controls: Provides 1.5% unlimited cashback on all purchases with detailed spend controls.
• Automation: Automates expense categorization and receipt matching, saving time for staff.

4. Chase Business Complete Banking (Best Hybrid Option)

If your agency needs to combine digital flexibility with physical branch access, Chase is a strong contender.

• Permissions: Allows customization of user access, including adding authorized users with limited, restricted access.
• Control: Offers tools for setting up and managing employee access to accounts and transactions.

Summary of Key Features for Agencies

Important Note: NorthOne, while mentioned in some 2025 lists, may not be suitable for multiple-owner agencies as it historically did not offer granular user permissions (any added user got full admin access).

I can help you narrow this down if you let me know:

• How many partners need admin access versus staff needing limited access?
• Do you need physical cash deposits?
• Do you operate internationally?