Agency Ad Account Pricing: Fixed Fees, Top-Ups and Credit Lines Explained

  • 8 Mins Read
  • Darian Cordes
  • June 10, 2025

Creating ads is one thing; managing everything related to them across different platforms, such as Meta, Google, and LinkedIn, is another. That’s where the agency ad accounts come into play.

Thousands of businesses globally rely on Facebook Ad Agency Accounts to manage their ads. These accounts have a lot to offer, be it flexibility, scalability, or financial benefits.

But, they also come with their unique price structure. In this blog, we’ll break down agency ad account pricing to help you understand fixed fees, top-up charges, credit line ad accounts, and how it all affects your bottom line.

Even if you’re a beginner and wonder, “Hmm… How much are the agency ad account fees?”, keep reading.

What is an Agency Ad Account?

As the name suggests, it is a digital advertising account owned and managed by large marketing agencies or firms (not by Meta, Google, Snapchat, or TikTok).

Think of these agencies as mediators between you and the respective platform. These agencies provide access to their ad account and manage campaigns on behalf of the business.

Why do Brands use Agency Ad Accounts?

  1. Saves the hassle of multiple invoices due to small threshold amounts
  2. High or No spending limits
  3. Direct Support and Account Management

But this convenience comes with a cost, and that’s where agency ad account pricing comes in.

What is Agency Ad Account Pricing?

Agency ad account pricing refers to the amount that agencies charge their customers (businesses) for using their ad accounts.

This price depends on cost-determining factors such as agency ad account fees, top-up charges, and credit line margins.

Let’s understand these components separately:

1. Fixed Fees

Almost all the agencies charge a fixed monthly fee for access to their ad accounts. As the name suggests, it’s fixed and can range from $100 to $500+ per month. This depends on:

  1. The ad platform (Meta, Google, TikTok, etc.)
  2. Scale of the campaign
  3. Services included

There are some agencies that do not charge any monthly fees and only charge a certain top up fee. Like we at Threasury, don’t have a fixed monthly fees

2. Top-Up Charges

If you are using a credit line account, you’ll be charged these top-up charges. Here’s how it works:

You pay the agency in advance, and they “top up” the ad account with that amount. However, they may charge an extra service amount or markup.

For example:

  • You pay $100.
  • The agency charges a 4% top-up charge (It’s generally 0%-6%)
  • Your actual ad credit is $96.

You can think of it as an ad agency commission or “their cut”. In most cases, agency ad account pricing includes this as a standard part of the cost structure.

3. Credit card Ad Accounts

Some agencies offer a credit card ad account, which means you don’t have to pay the entire account in advance. Instead, the agency allows you to spend on your credit and you receive invoices directly from Meta

It comes with the following benefits:

  • Better cash flow
  • Unlimited spending limits
  • Limited capital required
  • No top ups required

This option comes with a fees on the ad spends which is collected on a monthly basis which ranges from (2% to 4%) depending on your ad spends and the agency that you’re working with. We at Threasury, provide Credit Card ad accounts as well.

Additional Agency Ad Account Fees

There are numerous other structures other than those mentioned above, like:

  1. Setup fees which are one time. Charged while onboarding the agency and integrating the account.

  1. Account management fees are charged if they actively manage your ads.

  1. Currency conversion fees if you are based in a different currency

It’s recommended to discuss and add these charges to the contract before getting started with an agency. It can increase/decrease the overall agency ad account pricing.

How Much Money Do Agency Ad Accounts Cost?

Let’s break it down with a real-world example.

Assume:

  • Fixed monthly fee: $200
  • Monthly ad spend: $5000
  • Top-up fee: 4%

Your cost will be:

  • $200 (fixed)
  • $200 (top-up fee) on 5,000 ad spends

Total Cost: $500

Effective spend on ads: $5000

True out-of-pocket: $5400

So if you’ve wondered "how much money do agency ad accounts cost?", the answer is: 

Anywhere from 0% to 8% more than your actual ad spend, depending on the services and pricing model.

At Threasury Media, we don’t charge any monthly fees. Our top-up fees start at 0% and go up to a maximum of just 4%, keeping your costs low and your margins intact. You can view the detailed pricing breakdown here.

Pros and Cons of Using Agency Ad Accounts

Pros:

  1. Simplified billing 
  2. Access to credit
  3. Professional campaign management
  4. Enhanced performance tracking 
  5. Perfect for startups with limited capital

Cons:

  1. Hidden costs if not discussed before signing the contract
  2. It increases a business’s dependency on an agency
  3. In the long term, the expenses can be slightly higher

Tips for Evaluating Agency Ad Account Pricing

  1. Transparency in Pricing

Ensure that all agency ad account fees, top-up charges, and credit-related costs are listed clearly.

  1. Look Around!

Evaluate at least 3-5 proposals before signing in, as agencies charge differently.

  1. Review the Billing Model

Have a thorough understanding of your business model. It may be a prepaid model or a credit line.

  1. Watch for hidden fees.

Always read the fine print. Ask about late fees, service tax, or platform-specific surcharges.



Frequently Asked Questions (FAQs)

Q1. What is included in an agency ad account pricing?

Ans: Agency ad account pricing generally includes:

  1. Monthly Fixed fee (If any)
  2. Top-Up charges (If any)
  3. Onboarding Fees (If any)
  4. Credit-line interests (if applicable)

Q2. How do I know if I’m being overcharged?

Ans: The only solution to this is to look around and compare the prices. You can also talk to other founders in your community and gain knowledge about how much is fair for the services.

Wrapping Up

It’s important to analyze the pricing model and the services provided by an agency to maximize the “value” of your ad spend. Whether you’re paying fixed fees, top-up charges, or using credit line ad accounts, make sure the total agency ad account pricing aligns with your budget and business goals.

Always ask yourself if you’re getting the value you’re paying for – and don’t stop until you get a clear, documented answer.

Darian Cordes
CEO of Ecomparkour
As an eCommerce Solutions Provider and Facebook Ad compliance expert, I’m driving success at Ecom Parkour by ensuring that advertising efforts are both impactful and compliant.
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