Business Account Frequently Asked Questions

Below are common customer queries in relation to fire.com and our applications.

Should you require in-depth ‘how-to’ guides, go to our ‘Business Account User Guides’ section below the ‘FAQs’.

Fire and fire.com are trading names for Fire Financial Services Limited. Fire Financial Services (fire-EU) is regulated by the Central Bank of Ireland as a Payment Institution and as such it is authorised to provide specific payments accounts and services. Fire Financial Services (fire-UK) is authorised as an Electronic Money Institution by the Financial Conduct Authority. We are not a bank and we do not provide credit (loans) or overdrafts. Nor do we pay any interest on funds that may be held in a Fire account.

All client funds (i.e. your money) are held in separate, ring fenced accounts in tier one financial institutions. Client funds are never mixed with our own funds, never invested nor used for any operational purpose. No liquidator, receiver, administrator, examiner or creditor of a Payment Institution or Electronic Money Institution, nor the official assignee in bankruptcy has any recourse or right against client funds held in accordance with the above.

As the fire-EU payments licence is an EU based regulation, Fire has passported its licence to other European countries to offer our services across Europe.

Learn more about our founder and the Fire Management team.

If you have any other questions, comments or feedback we would be delighted to hear from you at any time! Reach out to us at info@fire.com.

A Fire business account is a digital account with free sign-up. The account is suitable for limited companies, unincorporated entities and sole traders. We offer a Euro and Sterling account as standard and a range of features and services – find out more about the account features here.

Registration is open to businesses incorporated in the United Kingdom or Ireland with directors/owners resident and/or citizens of the EU (and other countries available on request). In addition applications are accepted from sole traders based in the United Kingdom or Ireland. 

It is important that you check your suitability to our services prior to completing the online application process. As the account is digital there is no facility to lodge cash and cheques are not supported. Account users must have a mobile device they can use for authentication. 

If you’d like to have a discussion about the Fire business account and what we can do for you, we’d love to hear from you! Click here to get in touch.

On applying for a business account you will be required to submit information concerning your business, its directors and owners as well as verification documents.

For the business we will require:

  • A Certificate of Incorporation; and
  • The Memorandum and Articles of Association (UK), or Constitution (Ireland).

For each individual we will require identity and address validation documents.

Once you have filled out the application attaching the required documents, you can submit the application and it will be reviewed by our team. This review process is normally completed within a day or two. We will notify you that your account is open, or if we need to revert to you for additional information.  

Email us at any time at support@fire.com to check on the status of your application.

As an Electronic Money Institution in the UK and a Payment Institution in Ireland, we are required to “safeguard” customer funds.

We place your money in a designated safeguarding account with a regulated financial institution. This account holds only Fire customers’ funds and Fire ensures this money is never used for operational or lending purposes.

In the unlikely event that Fire ceases trading, the safeguarding account is protected from other creditors making a claim against Fire. In this scenario, you would get the majority of your money back, except for costs deducted by the insolvency practitioner for distributing the money to you.  This will only be deducted from customer balances if there are no funds available from Fire itself.

As the account you hold with us is not a bank account, your money is not covered by the Financial Services Compensation Scheme in the UK/Deposit Guarantee Scheme in Ireland.

You can read more here:

Protecting your personal data is very important to us. We take appropriate measures to ensure confidentiality of all personal data, both paper and electronic, required for the operation of our business. We take appropriate steps to protect data stored or transmitted against accidental or unlawful destruction, accidental loss or alteration, and unauthorised or unlawful storage, processing, access or disclosure.

We are committed to and comply with all relevant Data Protection and Privacy legislation and/or regulations of the jurisdictions within which we operate. We will ensure that your personal data can be used only by authorised personnel for legally authorised purposes. We will only use personal data in our possession for its intended specific and authorised purpose.

Your personal data may be transferred to contracted third parties, e.g. banks and other firms external to us for the purposes of providing our services to you. In these circumstances Fire will oblige contracted third parties to ensure that your personal data is securely managed and protected at all times. These third parties will only process and use your personal data in line with fire.com specific instructions.

We or our contracted third parties may share your personal information with authorities within Ireland, the United Kingdom and abroad to prevent money laundering, terrorism and fraud in order to meet legal obligations.

Your personal data will be retained and maintained in accordance with applicable Data Protection and Privacy laws and regulations which oblige Fire to hold its customer data for up to six years after the last transaction or end of business relationship whichever comes first.

No, a Fire account can’t be used for any crypto currency related activity. Funds received from a crypto currency activity destined for your account will be returned.

You can send payments from your Fire account to an international payee using their domestic account details  – see here for more details.

A Fire Account can also be used to send and receive SEPA (Euro) payments and Faster Payment/Bacs (Sterling).

Please note that these are different to SWIFT payments. At present Fire do not support inbound or outbound SWIFT payments. Any attempted SWIFT payment from or to your Fire Account will fail and be returned to the sender.

You can download OFX formatted statements that are compatible with Xero, Sage One, QuickBooks, FreeAgent, Zoho Books etc.

  1. Sign in to your Fire Business Account.

  1. In the ‘Fire Accounts’ section, click on the relevant account, then the ‘Actions’ button.
  2. A drop-down menu will be displayed; select the ‘Download Statement’ option from the list.

  1. Select the relevant year, month and select the relevant OFX format, then click the ‘Download’ button.

If you have already filled out the ‘Authorised User’ section of the Business Account Application and verified your email address and mobile number, you can easily reset the password.

If you have not reached this stage of your application, but you have forgotten your password, then please contact support@fire.com so we can create a new Business Account Application for you.

Your Fire Business ID is an important credential used to login to the desktop application ‘firework online’. It is for your use only and is not visible to customers.

If you happen to forget your Fire Business ID, you can find a reminder in the email we sent confirming your account is live, with the subject line “Fire for Business – Activated”.

Letters, numbers and dots are accepted characters when setting your Fire Business ID.

In the Business Details section of the application you will be asked if your business operates outside the EU. This question relates to whether your business trades outside of Europe, not whether your company has a physical office outside of Europe.

Photo ID must:

  • Display your name,
  • Display a clear photo,
  • The document must be in colour (photo itself can be black and white),
  • Display your date of birth,
  • Be active and in date (not expired).

Examples of a valid Photo ID are:

  • Passport,
  • Driver’s Licence,
  • National ID Card.

Address Verification must:

  • Be dated within the last 6 months,
  • Be addressed to you,
  • Not be a National ID card or Driving Licence.

Examples of a valid Address Verification Document are:

  • Fixed Utility Bill,
  • Bank Statement,
  • Government Issued Document.

Under The Regulatory Technical Standards on Strong Customer Authentication and Common and Secure Open Standards of Communication, Strong Customer Authentication (SCA) must be used when accessing payment accounts online. As such we require account activity such as logging in or adding a new payee to be approved using the firework for business mobile application.

Fire Open Payments 

You can use Fire Open Payments to create payment requests, which you can present or send as a scannable QR code or payment link to anyone you wish to make a transfer to your account. By following the link they will see who they are paying and how much, and can choose their preferred account provider from which they want to transfer the funds. 

Bank Transfers 

A Fire Sterling account (GBP) has a sort code & account number and a Euro account (EUR) has an IBAN associated with it. Anyone (e.g. a customer) who wishes to pay you by bank transfer may use these account numbers to transfer funds from any bank account in the UK or Eurozone. A bank transfer usually takes between a few hours and a day to reach its destination.

Sterling bank transfers are processed via Faster Payments and BACS, while Euro bank transfers are sent via the SEPA Credit Transfer (SCT) scheme.

To transfer funds out of your Fire account (e.g. paying staff or suppliers) via a bank transfer, you must first create a payee in the ‘Payees’ section of the ‘Payments’ tab section of ‘firework online’ and enter their bank account details. You then select the ‘Bank Transfer’ option via the relevant account in the ‘Fire Accounts’ tab to execute an external bank transfer from your Fire account.

Direct Debits 

You can use your sterling account to pay by Direct Debit on all your fire.com GBP accounts. We are working on enabling Direct Debits for EUR accounts and will inform all customers when they are available.

Euro Bank transfers out are processed each business day at 9:15am and 1:30pm. Sterling bank transfers out are processed at 9:15am and 4:30pm on business days.

Internal transfers between same currency Fire accounts are completed instantly. Internal transfers/FX transfers to another currency account (e.g. transferring from a Fire euro account to a Fire sterling account) are also instant.

Lodgements and withdrawals to and from external banks are subject to the standard bank transfer timelines.

Typically Fire receive the transfer from external banks within one working day, as long as the request was processed by the bank before 4:30pm. If the transfer was carried out near or after 4.30pm, the transfer could take two days in some cases. No transfers are received, or therefore applied, at weekends, or outside business hours.

Your default account is based on your business’s country of incorporation.

If your business is incorporated in Ireland, your default account is your Euro Account.

If your business is incorporated in The United Kingdom, your default account is your Sterling Account.

You can send funds by bank transfer to 14 currencies from your Fire account. International transfers can be made from your Fire account to the following countries and currencies:

  • Australia – Australian Dollar
  • Canada – Canadian Dollar
  • Czechia – Czech Koruna
  • Denmark – Danish Krone
  • Hong Kong – Hong Kong Dollar
  • Hungary – Hungarian Forint
  • Norway – Norwegian Krone
  • Poland – Polish Zloty
  • Romania – Romanian Leu
  • Singapore – Singapore Dollar
  • Sweden – Swedish Krona
  • United States – US Dollar

Please note that payments in these currencies must be made to an account held with a bank in the corresponding country.

The information required when setting up an International Payee will vary from currency to currency. When requesting payee details from the person or business you wish to pay, please ensure that they provide you with their local account details and not international details. Please note for the majority of international currencies you will require the payees address.

Currency Required Payee Details
Australia – Australian Dollar
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: Full address of the person or business you are paying including the city, county, country and postcode.
  • BSB Code: Bank State Branch (BSB) code, a unique identifier for Australian banks
  • Account Number: The recipient’s bank account number.
Canada – Canadian Dollar
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: Full address of the person or business you are paying including the city, country and postcode.
  • Bank Code: The bank code or institution number identifying the recipient’s bank.
  • Branch Code: The branch code specifying the specific bank branch.
  • Account Number: The recipient’s bank account number.
Czechia – Czech Koruna
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: Full address of the person or business you are paying including the city and country.
  • IBAN: International Bank Account Number, used for identifying bank accounts in some countries.
Denmark – Danish Krone
  • Payee Name: Full name of the person or business you are paying.
  • Account Number: The recipient’s bank account number.
  • Bank Code: The code identifying the recipient’s bank.
Hong Kong – Hong Kong Dollar
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • BIC: Bank Identifier Code, a unique identification code for the payee’s bank.
  • Account Number: The recipient’s bank account number.
  • Bank Code: The code identifying the recipient’s bank.
Hungary – Hungarian Forint
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • IBAN: International Bank Account Number, used for identifying bank accounts in some countries.
Norway – Norwegian Krone
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • Account Number: The recipient’s bank account number.
  • Bank Code: The code identifying the recipient’s bank.
Poland – Polish Zloty
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • BIC: Bank Identifier Code, a unique identification code for the payee’s bank.
  • IBAN: International Bank Account Number, used for identifying bank accounts in some countries.
Romania – Romanian Leu
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • IBAN: International Bank Account Number, used for identifying bank accounts in some countries.
Singapore – Singapore Dollar
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • BIC: Bank Identifier Code, a unique identification code for the payee’s bank.
  • Account Number: The recipient’s bank account number.
Sweden – Swedish Krona
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • Bank Code: The code identifying the recipient’s bank.
  • Account Number: The recipient’s bank account number.
United States – US Dollar
  • Payee Name: Full name of the person or business you are paying.
  • Payee Address: The address of the payee’s residence or business.
  • Payee City: The city where the payee is located.
  • Payee Country: The country where the payee resides or operates.
  • Payee Postcode: The postal code associated with the payee’s address.
  • ABA Code: American Bankers Association routing number, used to identify US banks.
  • Account Number: The recipient’s bank account number.

To add a payee, follow the instructions set out in the “Adding a New Payee” user guide

A Direct Debit mandate is a convenient way to make regular payments from your account, such as insurance payments or a monthly utility bill.

To set up a Direct Debit from your Fire Business Account, you will need to provide the biller with either the NSC and Account Number of your chosen Sterling account, or the IBAN of your chosen Euro account, and sign a mandate giving them permission to take the funds from your account on an agreed date. The funds will automatically be deducted from your account on the specified date.

You will receive advance notifications from the mobile app reminding you of any Direct Debit payments due from your account, showing you the date and amount to be paid, so you can ensure there are sufficient funds in the account ahead of time. The notifications are enabled as default, but can be disabled in the app settings if you wish.

You can also view the details of any Direct Debit Mandates set up on your account in the Direct Debits section of the app.

Direct Debit, Direct Debit mandate

If you feel that you should not be paying a Direct Debit, you can cancel the mandate from the Actions menu. It is important that you also make the biller aware so they can resolve the issue.

You can create Fire Open Payment Requests in both EUR and GBP. The currency is determined by the account you choose to be paid into. 

To access your Fire business account you will need your business ID, email and password. Within the application you will be asked for your access code for certain types of transactions and activities. In addition you must have the ‘firework for business’ mobile application paired with ‘firework online’. We require 2FA (Two-Factor Authentication) for specific transaction types and events.

The application uses security technologies to ensure the privacy of data and the authentication of users. If at any time you have concerns over your account, you must contact us.

Should you misplace one of your debit cards, there is an option within the application to block the card. It is important that you block any cards that are lost. If you cannot find your card, contact support@fire.com and we will cancel it, allowing you to order a replacement.

Should you change/lose your phone, you can unlink your device from your business account via ‘firework online’, so should anyone open the ‘firework for business’ app, they will see a blank screen.

Two-factor Authentication (2FA) is an extra level of verification required for certain activities on the Fire Business Account. Think of it as a second way to verify yourself.

Any time Fire ask for “Your Authentication Code / 2FA code”, this code will always be available in the same location – the ‘Security’ tab of the “firework for mobile” app (see below).

Simply input this six digit code into the “Your Authentication Code / 2FA” field and verification will be confirmed.

Dual Authorisation is a security feature that allows fire.com business API customers to set up two or more different users to authorise API payments. This is an added security measure that removes the risk of an individual authorising inappropriate or incorrect payments, while making it harder for fraudsters to compromise your business activities.

When a payment is created via the business API, any number of registered users can be set up to authorise the payment(s). The authorisers will receive push notifications to their mobile devices and will be required to authorise the payment in-app. API payment requests without authorisation from the required number of users will be rejected and discarded.

An Administrator has full account access and user management access (add users and edit user roles).

A Full User also has full account access, but does not have user management access.

A Read Only User has access to review the account data.

A Card Only User can use their assigned card to create transactions and review transactions associated with their assigned card only.

A Payment Only User can process payments to existing payees but cannot set up new payees. They can also create Fire Open Payment requests.

A Payee Management User has access to review account data as well as the ability to create new payees. They cannot make payments to new or existing payees.

This message means you are entering an incorrect username, email and/or password.

If you have forgotten your password only, and not your access code, follow the guide below.

  1. Go to the Fire Business Account login page and click ‘Reset Password’.
  2. Enter your Business ID and Email and click ‘Send Validation Email’.
  3. You will receive a validation email with the subject line “Password Reset”. Open this and follow the link.
  4. Enter the information required. This includes the SMS verification code sent to your mobile number.
  5. Click ‘Reset Password’ to complete. You will be brought back to the login page where you can now sign in using your new password.

If you have forgotten your access code only, and not your password, follow the guide below.

  1. Sign in to your Fire Business Account. 
  2. On the Sign In Request screen click “Link a different device to your account”.
    1. You will be brought back to the sign in screen. Re-enter your sign in credentials and click ‘Sign In’.

  3. Navigate to the ‘Settings’ tab, where you will see the ‘Access Code’ field in the ‘User Profile’ section.
  4. Click on the ‘Change’ button.
  5. Follow the on-screen instructions to successfully change your access code.

If you have forgotten both your access code and password, please contact us at support@fire.com to allow us to reset your details.

  1. Once confirmation has been received from our Operations Team, you will receive an email titled “Fire for Business – Forgotten Password”.
  2. Open the email and click the ‘Reset Password’ button.

  1. Enter the SMS Code sent to your phone number.
  2. Choose your new password and enter it into the ‘New Password’ fields.
  3. Once you have submitted this information, a new email titled “Fire for Business – Reset your Access Code” will be sent to your email address.
  4. Follow the steps outlined in the email to reset your access code. You can see these steps in detail here.

Confirmation of Payee (CoP) is a UK-based name checking service for Faster Payments, CHAPS and standing orders. It checks that the name on the destination account matches the name entered by the payer or sender. The scheme aims to reduce fraud and sending payments to the wrong account by accident.

Fire does not use this service yet, so someone sending you a GBP payment might see a message to say that the name on your account couldn’t be verified. This does not necessarily mean the name doesn’t match, it simply means their bank couldn’t use the CoP name checking service as Fire does not currently participate in the scheme.

Fire is taking steps to become a participant in the CoP service so we can offer a better payment experience to you, our customer, and to the payers making GBP payments to your account. We will update our website and notify our customers once this service is available.

We understand that a time of loss can be very difficult.
Whether you need to close the business account on behalf of a deceased account holder or transfer the role to someone else within the business, our team is here to help you each step of the way.

Contact  to notify us of the death and we will guide you through the next steps.

Business Account User Guides


This section provides step-by-step “how to” guides to our Business Web and Mobile applications.

In cases, walkthroughs are provided for both Android and iOS devices, just follow the guide for your device.

You will need to download the firework for business mobile app and link it to your account, as it is used for two-factor authentication.  

Follow these steps the first time you access your Fire account, if you have reinstalled the mobile app or if you are prompted to scan the QR code to link your mobile device.   

  1. Sign into the firework online app on your desktop web browser. You will see the screen below:Link mobile device
  2. Search for the “firework for business” app in the App Store/Google Play Store.
  3. You will see the screen below on your mobile app. Use the in-app scanner to scan the QR Code on your desktop screen.

  1. Follow the steps to log in to your mobile app, entering your access code and the SMS verification code sent to your phone number.
  2. Your phone will now be linked to ‘firework online’ and you will have full access to your account.

If you have already linked ‘firework for business’ to your business account, follow the guide below.

Android
  1. Sign in to your Fire Business Account.
  2. Enter your sign in information and click the ‘Sign In’ button.

  1. The sign in request screen will be displayed, informing that a request has been sent to your linked mobile device.

  1. Your mobile device will receive a push notification titled ‘Sign In Approval’, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  2. Authenticate yourself using your access code/fingerprint, and the sign in request will pop up.
  3. Approve the sign in request to log in to your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Request’ section of the ‘Security’ tab of the mobile app.

iOS
  1. Sign in to your Fire Business Account.
  2. Enter your sign in information and click the ‘Sign In’ button.

  1. The sign in request screen will be displayed, informing that a request has been sent to your linked mobile device.

  1. Your mobile device will receive a push notification titled ‘Sign In Approval’, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  2. Authenticate yourself using your access code/fingerprint, and the sign in request will pop up.
  3. Approve the sign in request to log in to your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Requests’ section of the ‘Security’ tab of the mobile app.

Under The Regulatory Technical Standards on Strong Customer Authentication and Common and Secure Open Standards of Communication, Strong Customer Authentication (SCA) must be used when accessing payment accounts online. As such we require account activity such as logging in or adding a new payee to be approved using the firework for business mobile application.

To add a new payee using your Fire Business Account, follow the instructions listed below. 

Android
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Payments’ section.
  3. Click on ‘Payees’ subsection, then the ‘Actions’ button.

  1. Enter the payee’s details and click the ‘Add Payee’ button.

  1. An Approval Request will instruct you to approve the payee via the ‘firework for business’ app.
  2. Your mobile device will receive a push notification titled ‘New Payee Approval’, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  3. Approve the new payee request and the payee will be added to the ‘Payees’ section of your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Requests’ section of the ‘Security’ tab of the mobile app.

iOS
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Payments’ section.
  3. Click on ‘Payees’ subsection, then the ‘Actions’ button.

  1. Enter the payee’s details and click the ‘Add Payee’ button.

  1. An Approval Request will instruct you to approve the payee via the ‘firework for business’ app.
  2. Your mobile device will receive a push notification titled ‘New Payee Approval’, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  3. Approve the new payee request and the payee will be added to the ‘Payees’ section of your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Requests’ section of the ‘Security’ tab of the mobile app.

Follow these steps to archive a payee you no longer wish to appear in your approved payee list. 

  1. Sign in to your Fire Business Account.
  2. In the ‘Payments’ section, select ‘Payees’. Click on the payee you wish to archive.
  3.  From the ‘Actions’ menu, select ‘Archive Payee’.archive payee, archive fire payee
  4. Click ‘OK’ to archive the payee. 

An Internal Transfer is the movement of funds between two of your Fire accounts of the same currency.

This differs from an FX Transfer, which is the movement of funds between two of your Fire accounts of different currency.

To create an Internal Transfer using your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from. (For the purpose of this example, we want to transfer funds from one EUR[€] account to another EUR[€] account.)
  4. Click the ‘Actions’ button and select the ‘Internal Transfer’ option from the list.

  1. The ‘From Fire Account’ field will display the selected account from step 3. Choose the account you wish to transfer the funds to from the ‘To Fire Account’ list.
  2. Enter the amount you wish to transfer and an optional reference for your records.
  3. Click the ‘Next’ button.

  1. When you have reviewed the details, click the ‘Confirm’ button.
  2. Once the Internal Transfer has processed successfully, sending funds from one account to the other instantly, you can view the transfer in both of the relevant accounts.

A Bank Transfer is the movement of funds from your Fire account to an external account of the same currency.

This may be another Fire user’s account, or an account held with another bank/payment service provider. One pre-requisite is that the destination account must first be set up as a payee – more on that here.

To create a Bank Transfer using your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from. (For the purposes of this example, we want to create a bank transfer in EUR[€].)
  4. Click the ‘Actions’ button and select the ‘Bank Transfer’ option from the list.

  1. The ‘From Fire Account’ field will display the selected account from step 3. Choose the destination account you wish to transfer the funds to from the ‘To Payee Account’ list.
  2. Enter the amount you wish to transfer and an optional reference for your records. A reference can also be set for the destination account – this will display as the reference in the recipient’s account.
  3. Click the ‘Next’ button.

  1. When you have reviewed the details, enter your Access Code and click the ‘Confirm’ button.
  2. Once the Bank Transfer has processed successfully, you can view the outgoing transfer in the relevant account (in this case the EUR account).

To make an International Transfer you will first need to have set up an International Payee. See “Adding an International Payee?” for more information.

An International Transfer is the movement of funds from your Fire account to an external account in another currency. International Transfers are sent through local payment rails and must be sent to an account in the currency’s local country e.g. AUD payments must be made to an account in Australia, USD payments must be made to an account in the United States etc…

To create an International Transfer using your Fire Business Account, follow the instructions listed below:

  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from.
  4. Click the ‘Actions’ button and select the ‘International Transfer’ option from the list.
  5. The ‘From Fire Account’ field will display the selected account from step 3. Choose the destination currency you wish to transfer the funds to from the ‘Currency’ list.
  6. Choose the destination account you wish to transfer the funds to from the ‘To Payee’ list. Note that only payees set up in the international currency will be visible in this list.
  7. Enter the amount you wish to transfer in the payee currency i.e. the amount the payee will receive in their local currency. A reference is optional for your account but must be set for the destination account – this will display as the reference in the recipient’s account. You must also choose a ‘Payment Reason’ that is most closely associated to the reason for the transfer to the payee. The available reasons are:
    • Invoice Payment
    • Salary/Dividend Payment
    • Expenses
    • Savings
    • Other
  8. Click the ‘Next’ button.
  9. When you have reviewed the details, enter your Access Code and click the ‘Confirm’ button.
  10. Once the International Transfer has processed successfully, you can view the outgoing transfer in the relevant account.

An FX Transfer is the movement of funds between two of your Fire accounts of different currency.

This differs from an Internal Transfer, which is the movement of funds between two of your Fire accounts of the same currency.

To create an FX Transfer using your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from. (For the purpose of this example, we want to convert EUR[€] to GBP[£].)
  4. Click the ‘Actions’ button and select the ‘FX Transfer’ option from the list.

  1. The ‘From Fire Account’ field will display the selected account from step 3. Choose the account you wish to transfer the funds to from the ‘To Fire Account’ list.
  2. Enter the amount you wish to transfer and an optional reference for your records.
  3. Click the ‘Next’ button.

  1. When you have reviewed the details, click the ‘Confirm’ button.
  2. Once the FX Trensfer has processed successfully, sending funds from one account to the other instantly, you can view the transfer in both of the relevant accounts.

You can order a Fire debit card in ‘firework online’ under the ‘Debit Card’ tab.

When ordering a card you will need to confirm the business user who will use the card and the sterling and euro account to which the card is to be linked.

Fire debit cards may be used anywhere you see the MasterCard® logo – in store, online, for recurring bills and at ATMs for cash withdrawals. When your card arrives, activate the card by following the instructions below.

Each Fire debit card is linked to both a specific sterling and a specific euro account. So if you are making a purchase in euro you will need sufficient funds in the Euro account linked to the card, and similarly if you are making a Sterling purchase you must have sufficient funds in the Sterling account linked to the card.

Purchases in any other currencies (e.g. US Dollars) will be converted and withdrawn from your default account (Euro for businesses incorporated in Ireland and Sterling for businesses incorporated in the UK).

  1. Sign in to your Fire Business Account .
  2. Go to the ‘Debit Cards’ tab and click on the ‘Add Fire Debit Card’ button.

  1. Select the relevant information, enter a secure card pin and click the ‘Next’ button.
  2. Enter your access code and 2FA code (the 2FA code can be found in the ‘Security’ section of the ‘firework for mobile’ app –  see the image below) and click the ‘Add Fire Debit Card’ button.

Once you receive your card in the post (usually within five business days), it will need to be activated by an Administrator on your business’ account.

The Fire debit card can be activated through the web portal or mobile app. 

Please note that an Administrator will need to activate the card, even if the card is under another user’s name, as only Administrators have the level of permission required.

To activate the debit card through the ‘firework online’ web portal: 

  1. Go to the ‘Debit Cards’ tab of your Fire Business Account.
  2. Click on the debit card, then from the ‘Actions’ drop-down men select the ‘Activate Card’ button
  3. Enter the CVV code, which is a 3-digit code that can be retrieved from the back of your physical fire debit card. Click the ‘Activate’ button. The debit card will now be live and ready to use!

To activate the card through the ‘firework for mobile’ app: 

  1. Sign in to your ‘firework for business’ mobile app.
  2. Tap on the ‘Cards’ section in the navigation bar.
  3. In the ‘All’ tab, the card(s) requiring activation will show as ‘Ordered’. Select the debit card you wish to activate.

  1. Within the ‘Card Details’ section, tap the ‘Activate Card’ button at the bottom of the page.

  1. Enter the card’s CVV code. This 3-digit code can be retrieved from the back of your physical fire debit card.

  1. The debit card is now live and ready to use!

As a business customer you may view your debit card’s pin at any time through the ‘firework for business’ mobile app.

Follow the guide below to utilise this feature:

  1. Sign in to your ‘firework for business’ mobile app.
  2. Tap on the ‘Cards’ section in the navigation bar.
  3. Within the ‘Active’ section, select the debit card you wish to retrieve the pin for (please note that only debit cards in ‘Live’ status will have the pin reminder functionality).

  1. Tap the ellipsis icon in the top right of the screen.

  1. This will display a slide-up window. Select the ‘Show Card Pin’ option from the list.

  1. A pop-up will appear with your 4-digit pin.

When your debit card is close to its expiry date (less than 30 days) you can reissue a new one at no additional cost through the ‘firework for business’ mobile app.

Follow the guide below to utilise this feature:

  1. Sign in to your ‘firework for business’ mobile app.
  2. Tap on the ‘Cards’ section in the navigation bar.
  3. Within the ‘Active’ section, the expiring card(s) will be denoted by a warning icon. Select the expiring debit card you wish to reissue.

  1. Tap the ellipsis icon in the top right of the screen.

  1. This will display a slide-up window. Select the ‘Reissue Expiring Card’ option from the list.
  2. Select the address which you would like to deliver the card to. Please note: if your address has changed, contact support@fire.com before reissuing your card.
  3. Tap the ‘Reissue Expiring Card’ button. That’s it – your card should arrive within five business days!

If you happen to lose your Fire debit card, contact us at support@fire.com to allow us to cancel your card.

In the meantime, to ensure no one is using your lost card, you can block your card using your Fire Business Account, or through the ‘firework for business’ mobile app.

Block Card through your Fire Business Account
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Debit Cards’ section.
  3. Click on the relevant card you wish to block.
  4. Click on the ‘Actions’ button and select the ‘Block Card’ option.

  1. A green banner at the foot of the screen will show that the card has been blocked, as well as the ‘BLOCKED’ text displayed beside the card number.
Android
  1. Sign in to your “firework for business” account using your access code/fingerprint.
  2. Tap on the ‘Cards’ section and select the relevant card you wish to block.

  1. Tap the ‘Block Card’ button.

  1. A red banner will appear to inform you that “This Card is Blocked”.

iOS

  1. Sign in to your “firework for business” account using your access code/fingerprint.
  2. Tap on the ‘Cards’ section and select the relevant card you wish to block.

  1. Tap the ‘Block Card’ button.

  1. A red banner will appear to inform you that “This Card is Blocked”.

Should you change your mobile phone, follow this guide on how to unlink your old device and link your new phone to ‘firework online’.

  1. Sign in to your Fire Business Account.
  2. Enter your sign in information and click the ‘Sign In’ button.

  1. You will see the sign in approval screen and the device linked to your account. Click the blue “link a different device to your account” text.

  1. You will then be brought back to the sign in screen. Enter your sign in information again and click ‘Sign In’.

  1. You will then be brought to the ‘Settings’ screen, where you can link your new mobile phone. Scan the QR Code using the ‘firework for business’ mobile app and link the mobile app to your Business Web Account.

Once you have opened a Fire account, you may access the ‘API’ section (Settings tab) of ‘firework online’ and set up the tokens necessary to integrate your own applications to both retrieve information pertaining to your accounts and create batches, new accounts or new payees. Your applications may read data in your Fire accounts and the token you create may be permission based.

Within this section you may also configure webhooks – you can enter the URLs to which we will send data as certain events occur. This is a very useful way to manage lodgements and update your own applications.

To create an API Application, follow these guidelines:

  1. Sign in to your Fire Business Account.

  1. Click on the ‘Settings’ tab.
  2. Click on the ‘API’ section.
  3. Here you will see ‘Webhooks’ and ‘Application Tokens’
  4. In the ‘Application Tokens’ subsection, click the ‘Add New Application’ button.

  1. Name your application and select only the permissions this application will require from the list.
  2. Enter your Access Code and click ‘Create’
  3. You will see the details of the Application Token ‘Client ID’, ‘Client Key’ and ‘Refresh Token’. Use these to create an Access Token.
  4. Once you have created an Access Token, you can use the API in tandem with our API Documentation to retrieve and create.

You can add additional users to your Fire account to help manage your payments. You can set up additional Admins, Full Users, Payment Only Users, Payee Management Users, Card Only Users, and Read Only Users. To set up a new user, follow the instructions below:

  1. Sign in to your Fire Business Account.
  2. Click on the ‘Settings’ tab.
  3. Click on the ‘User Management’ subsection.
  4. Click on the ‘Add New User’ button the top right of the screen.

  1. Enter the user’s information and select their role. If you have any questions about what each role entails, hover over the ‘?’ beside the ‘New User’s Role’ text.

  1. Click the ‘Add’ button.
  2. The new user will receive an invitation email. The new user will be asked for some verification information such as name, address, date of birth. Once this information has been received and verified, they will have access to the account with the permissions associated with their role. In some circumstances we will require verification documentation for the new user, if this is required it will be requested during the registration process.

Account statements are available through your Fire Business Account.

  1. Sign in to your Fire Business Account.
  2. In the ‘Fire Accounts’ section, click on the relevant account, then the ‘Actions’ button.
  3. A drop-down menu will be displayed; select the ‘Download Statement’ option from the list.

  1. In the ‘Fire Accounts’ section, click on the relevant account, then the ‘Actions’ button.
  2. Select the relevant year, month and format, then click the ‘Download’ button.

  1. Your statement will be downloaded in the selected format.

An Account Confirmation Statement is a document often required by third parties such as an eCommerce marketplace. These can be downloaded as a PDF on a per-account basis from within your Fire account.

To download an Account Confirmation Statement from your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to download the confirmation statement from. (For the purposes of this example, we will use a EUR account.)
  4. Click the ‘Actions’ button and select the ‘Download Account Confirmation’ option from the list.

  1. Clicking this button will automatically download a PDF file. This will be visible at the bottom of your tab, or within your ‘Downloads’ folder.
  2. This document contains information relating to the selected account held by your business.

Fire Open Payments is a new feature of the fire.com business account that leverages Open Banking capabilities to allow businesses to accept account-based payments in Euro and Sterling. You can read about it in more detail here.

There are three ways of creating a Fire Open Payment request:

  1. Using our API (see our Open Banking API Documentation). If you would like to integrate Fire Open Payments with your existing system using the fire.com API, please get in touch with the team.
  2. Through ‘firework online’: See our ‘How-to’ guide below.
  3. Through the Fire Open Payment Terminal in the ‘firework for business’ mobile app: See our ‘How-to’ guide below.
Create a Fire Open Payment request through ‘firework online’
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Payments’ tab.
  3. Click on the ‘Open Banking’ section.
  4. Click the ‘Create Payment Request’ button in the top right of the page.
  5. Select the account you wish to receive payment into.
  6. The amount can be set, or left blank if you want to allow the payer set the amount themselves.
  7. Enter a description – this is mandatory and will be displayed to the payer.
  8. If you wish you can enter a reference for your own records.
  9. If you only want the payment to be paid once, uncheck the ‘Can be paid more than once’ box.
  10. The ‘Select Information to Collect from the Payer’ and ‘Enter Additional Information to Store/Display’ dropdown sections relate to any information you may require the user to provide or any details you wish to set or display to the payer. These are all optional fields.

  1. Once you have set all the required information, click the ‘Create Request’ button and your Fire Open Payment Request will be created!
  2. You can copy/share the link or download the QR Code to display it anywhere you wish.

Create a Fire Open Payment request through the ‘firework for business’ app

The Fire Open Payment Terminal is a feature of the ‘firework for business’ app which allows users to quickly and easily create and share a payment request in-app. The amount must be set by the payee, and there is a limit of one payment per request. 

  1. Open the ‘firework for business’ app.
  2. From the app log in screen you can swipe left or right to access the Fire Open Payment Terminal. The Terminal can also be accessed when logged in to the app.
  3. Choose the relevant account and enter an amount.

  1. Tap the check mark to proceed and you will see the QR Code and ‘Share Request’ options. Choose whatever method is easiest for both parties; the QR Code can be scanned or the request shared via message, email, etc.

  1. Once the payer has opened the payment, the app will update to ‘Awaiting Authorisation’.

  1. Once they have authorised the payment and see the success page, the app will update to ‘Authorised’ status. To verify the payment, ensure the ‘Domestic Payment ID’ value the payer sees matches the in-app value.

  1. If the payer rejects the payment, or they take too long, the app will update to reflect this too. (Note: If the payer exceeds the time limit, they can still authorise the payment – check the Open Banking section of the app to verify the payment status in such a case).

This section relates to making an Open Banking payment. If you are looking for more information on Creating a Fire Open Payment, click here.

If you want to find out more about Open Banking through Fire Open Payments, click here.

There are two ways of making an Open Banking payment using your Fire Business Account – both of which utilise the ‘firework for business’ mobile app. Follow the relevant guide below based on whether you intend to use a mobile phone or laptop/PC:

Making an Open Banking payment using a mobile phone

  1. Given that you have initiated an Open Banking payment, you will be presented with a list of ASPSPs/Banks.
  2. From the list of options, tap ‘fire.com’.
  3. You may be presented with a few apps you can use depending on your device – select ‘firework for business’ and you will be redirected to the app.
  4. Once you have logged in, the payment information will be displayed in-app. When you have selected the correct account and reviewed the details, tap the ‘Approve’ button.

  1. You will then be redirected back to your browser to continue the Open Banking payment.

Making an Open Banking payment using a laptop/PC

  1. Given you have initiated an Open Banking payment, you will be presented with a list of ASPSPs/Banks.
  2. From the list of options, click ‘fire.com’.
  3. You will see the following page instructing you to scan the QR Code.

  1. Log in to the ‘firework for business’ mobile app. Tap on the ‘More’ tab – you will see an ‘Open Banking Scanner’ section.
  2. Tap the ‘Open Banking Scanner’ section and use the QR Code scanner to scan the QR Code displayed on your laptop screen.
  3. Alternatively, any QR Code scanner app can also be used, instead of the ‘firework for business’ app.
  4. When the QR Code is scanned, you will be redirected to the ‘firework for business’ app.
  5. Once you have logged in, the payment information will be displayed in-app; when you have selected the correct account and reviewed the details, tap the ‘Approve’ button.

  1. Check your laptop/PC browser – it should update, allowing you to continue the Open Banking payment process.
  1. Sign in to your Fire Business Account.
  2. Navigate to ‘Settings’.

  1. Click ‘User Management’.
  2. Select the user whose role you wish to change (for this example we will use Tester Two).

  1. Click ‘Actions’.

  1. Choose ‘Edit User Role’.

  1. From the dropdown select the user’s new role.
  2. Click ‘Confirm Role Change’.

  1. An approval request will be sent to the ‘firework for business’ app, instructing you to authorise the user role change (only the Administrator making the change will receive this request).
  2. Tap ‘Approve’.

  1. In your Business Web Account, refresh the ‘User Management’ section.
  2. The user’s role is updated.
  3. A notification is sent to any other Administrator’s on your account to inform them of the change.

© 2015 – 2023 Fire Financial Services Limited trading as fire.com and Fire.
Fire Financial Services Limited (Fire-EU) is regulated by the Central Bank of Ireland, Reference No: C58301. Registered address: Dogpatch Labs, The CHQ Building, Custom House Quay, Dublin 1, D01 Y6H7, Ireland. Incorporated in Dublin, Ireland, Registration No: 464819.
Fire Financial Services Limited (Fire-UK) is authorised as an Electronic Money Institution by the Financial Conduct Authority, Reference No: 900983. Registered Address: The Rise, 41 Luke Street, London, United Kingdom, EC2A 4DP. Incorporated in England and Wales, Registration No: 11549793.
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