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Agency ad account vs your own account

Who owns the account, what the agency fee covers and what stays with you when you change providers.

The word ‘agency’ is not enough to make a decision. I would start with ownership, access and the exit terms. If the provider cannot explain those, a screenshot of a large limit does not answer the important questions.

What to compare before deciding
QuestionYour own accountAgency arrangement
Who owns the account?Your business, if it was created within your portfolioCheck the actual owner; agency-managed does not always mean agency-owned
What do you pay?Ad spend plus the services you chooseAd spend and the fees stated in your contract
Who has access?You assign people and partnersDepends on the access granted to your business
What happens when you leave?Remove the partner after reviewing assets and permissionsAgree in advance what access, balances and assets can be retained
What about review and limits?Check the actual account statusAn agency label alone is not a promise about your account

What I would check first

  • Ask for the account owner and the exact access your business will receive.
  • Separate media spend, top-up fees, management fees and any minimum charges.
  • Agree who owns the domain, dataset, creatives and other assets you bring.
  • Write down the exit process, outstanding bills and how an unused balance is handled.

Do the arithmetic with your actual contract terms. The ROI calculator makes the fees visible alongside media spend.

The detailed guides below include the official references and the conditions behind these comparisons.

Open the detailed guide