Top 10 Alternatives to Bitso

In this article, we will explore alternatives to Bitso, a blockchain-based platform designed for cross-border payments. Bitso connects businesses through a single API, offering services like pay-ins, payouts, and real-time cross-border transactions. We'll delve into what Bitso does and present other platforms that provide similar functionalities.

Reviews

Users have shared a mix of positive and negative feedback about Bitso. Many appreciate the platform's ease of use and the efficiency of its cross-border payment services. They find the real-time transactions and the ability to handle multiple currencies particularly helpful. However, some users have expressed frustration with the customer support, citing slow response times and unresolved issues. Additionally, a few users have mentioned occasional technical glitches that disrupt their transactions.

• "The platform is incredibly user-friendly and makes cross-border payments a breeze." - John D.
• "Customer support needs improvement; it takes too long to get a response." - Maria S.

For more detailed reviews, visit Bitso Reviews on G2.

Best alternatives to Bitso

1. OneSafe

OneSafe is a financial technology company offering a blend of traditional and Web3 financial services, tailored for global businesses. It provides comprehensive account services designed to meet the unique needs of Web3 startups and tech companies.

• Features: Simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security measures.
• Pricing: Account opening is free, no minimum balance, no monthly fees, corporate cards and invoices included, 0.1% fee for US domestic payments, 0.2% fee for SEPA payments, 0.2% fee + $25 for international wires, $20 for Fedwire, 1% FX fee on corporate cards, 0.1% fee for USDT transactions, fiat to crypto conversion included.
• Testimonials: Users praise OneSafe for its exceptional customer support and game-changing solutions. It simplifies payroll and expense management, making it an essential tool for Web3 organizations. For more details, visit the OneSafe website.

2. Ampere

Ampere is an all-in-one financial service for businesses, offering a range of products including business current accounts, currency exchange, business loans, merchant accounts, debit cards, and invoicing tools. It aims to simplify financial management for businesses with quick account opening, low exchange rates, and comprehensive financial tools.

• Unique Features: Low currency exchange rate (0.35%), free merchant account setup (rates starting from 0.65%), quick account opening (GBP and EUR accounts with UK Faster Payments and SEPA Transfers), no monthly fees for debit cards, smart invoicing (send professional invoices directly from the bank account), frequent settlements for merchant accounts (twice a week), personalized business loans and mortgages.
• Pricing: Business account setup fee: £35.00, business account maintenance per month: £20.00, private account setup fee: £25.00, private account maintenance per month: £10.00, local transfers in GBP and EUR: free of charge, incoming international transfer in GBP/EUR: £25.00, currency exchange: 0.35% from the exchange amount, card issue: £15.00, card monthly fee: free of charge, ATM domestic and international withdrawal: £1.50.
• Testimonials: Users generally appreciate Ampere for its reliable service and excellent customer support. One user, Balaji Pawar, praised the customer service, stating, "I’ve been with Ampere for a while, and I can confidently say their customer service is one of the best I’ve experienced." On the other hand, Jaeme expressed dissatisfaction, saying, "Not only the worst bank but possibly the worst company I’ve ever dealt with." For more detailed reviews, visit the Ampere Reviews on Trustpilot.

3. Brex

Brex is a financial technology company offering a comprehensive suite of financial products and services for businesses. These include corporate credit cards, expense management, business banking, bill pay, and travel management. The platform leverages AI to automate financial processes, enhance efficiency, and provide real-time tracking and control over expenses. Brex aims to help businesses of all sizes—from startups to enterprises—spend smarter and maximize their financial resources.

• Unique Features: AI-powered automation, global reach in 120+ countries, 4.24% yield on business accounts, auto-enforced expense controls, real-time tracking, 20x higher credit limits, integrated travel management, ERP integrations, five-star mobile app, vendor-specific cards.
• Pricing: Essentials Plan: $0 user/month, Premium Plan: $12 user/month, Enterprise Plan: Custom pricing, Smart Card: Custom pricing.
• Testimonials: Users generally appreciate Brex for its ease of use and comprehensive features. Theresa M. noted, "Brex is really easy to use, and covers all of our needs. We moved all of our business banking over to their platform." On the other hand, Mike A. mentioned, "When typing in descriptions or other details on the app, if you make a mistake and try to correct it, the typing always goes to the end of the sentence." For more detailed reviews, visit the Brex Reviews on G2.

4. Currensea

Currensea is a travel debit card that links directly to your existing UK bank account, allowing you to save on foreign exchange fees when spending abroad. It offers real-time exchange rates, instant spend notifications, and various security features. The card is highly rated by users and provides different pricing plans to suit occasional and frequent travelers.

• Unique Features: Direct link to existing bank account, no hidden fees, real-time exchange rates, instant spend notifications, security features like Mastercard purchase protection and 2-factor authentication, environmental impact initiatives, multiple pricing plans, expert endorsements.
• Pricing: Essential Plan: Free subscription, 0.5% FX rate, 0.5% FX rate on ATM withdrawals, 2% rate over £500 per month. Premium Plan: £25/year, 0% FX rate, fee-free ATM withdrawals, 1% rate over £500 per month. Elite Plan: £120/year, 0% FX rate, fee-free ATM withdrawals, 1% rate over £750 per month.
• Testimonials: Users generally appreciate Currensea for its ease of use, excellent exchange rates, and the convenience of linking the card directly to a bank account. One user, IAG, praised the card, stating, "It was easy to apply for a Currensea card, and it arrived quickly. Setting it up was also simple and it has been working perfectly abroad." On the other hand, Paul mentioned, "Only one time the system did not work but we had some cash for the small amount of the payment (USD)." For more detailed reviews, visit the Currensea Reviews on Trustpilot.

5. N26

N26 is a mobile banking service that offers a range of financial products including personal and business accounts, savings accounts, and investment options. It aims to simplify banking with features like virtual Mastercards, free ATM withdrawals, 24/7 chat support, and robust security measures. N26 operates in multiple countries and provides a seamless banking experience through its intuitive app.

• Unique Features: Virtual Mastercard, free ATM withdrawals in euros and abroad for premium accounts, 24/7 chat support in five languages, innovative security features like 3D Secure and biometric authentication, flexible savings account with competitive interest rates, investment options in stocks, ETFs, and cryptocurrencies, multiple account plans (Standard, Smart, You, Metal), quick and paperless account opening process.
• Pricing: N26 Standard: €0.00/Month, N26 Smart: €4.90/Month, N26 You: €9.90/Month, N26 Metal: €16.90/Month.
• Testimonials: Users generally appreciate N26 for its digital banking features and reliability. One user, SM, praised the service, stating, "Friendly and solution-oriented Service - and they found a solution. Great 🤩". On the other hand, Edna Diaz expressed dissatisfaction, saying, "Terrible customer service, total rubbish. I have a paid account and the phone line never works." For more detailed reviews, visit the N26 Reviews on Trustpilot.

6. Mercury

Mercury offers online business banking services designed to simplify financial workflows for startups. The platform provides a range of features including efficient banking operations, seamless payment processing, early access to credit cards with cashback, and robust security measures.

• Unique Features: Speed and efficiency in managing banking tasks, seamless payment processing, early access to credit cards with cashback, FDIC insurance, regulated partners, fraud monitoring, account security, bill pay, invoicing, expense management, accounting automations, treasury services, venture debt, SAFE creation, access to industry expertise and networking.
• Pricing: Mercury: $0/Month, Mercury Plus: $35/Month, Mercury Pro: $350/Month. Additional costs may apply for advanced features like mass payments on API, Mercury Treasury account management, non-USD transactions, and premium processing for international USD wires.
• Testimonials: Users generally appreciate Mercury for its simple onboarding process and powerful API. Andrew noted, "The application process was very simple and the approval came within 24 hours." On the other hand, Ebraam Mansy expressed frustration, stating, "Mercury closed my account with funds inside and refuses to even respond to any of my emails." For more detailed reviews, visit the Mercury Reviews on Trustpilot.

7. Everestcard

Everestcard offers a business account with instant setup, multiple Mastercard credit cards, and automated expense management. The service is fully online, providing modern expense management tools and exclusive travel benefits like access to Mastercard® Airport Security Fast Track. The pricing plan is straightforward at 20€ per month, with additional cards available for 5€ each.

• Unique Features: Instant issuance of multiple Mastercard credit cards, 100% online management and onboarding, modern expense management with digital receipt handling, exclusive access to Mastercard® Airport Security Fast Track, real-time control of cards and expenses via an online dashboard, automated reports and transaction history, special offers for startups and founders, individual credit lines for business expenses, mobile app for managing finances on the go.
• Pricing: Monthly fee: 20 EUR/month, payment terms: pay monthly, cancel anytime, free trial: 90-day free trial from the date the Everest account is validated, includes 5 Everest Mastercard World Business virtual or plastic cards, additional cards: 5 EUR/month, standard and express card delivery within Europe, real-time transactions/account notifications, card freeze/unfreeze, spending limits per card, per transaction, per month, team member permissions, contactless payments, PIN code change, easy onboarding of team members, top-up whenever needed, credit line (subject to approval), credit limits split per card/per user, EURO card transactions.
• Testimonials: Users generally have mixed feelings about the Everestcard. One user, AL, expressed frustration, stating, "After like 6 months of having an account with them, we received a letter stating that they will be closing my business account, with no justifications or anything." On the other hand, there are no positive comments in the provided reviews. For more detailed reviews, visit the Everestcard Reviews on Trustpilot.

8. Soldo

Soldo is a spend management platform that combines pre-programmable, customizable cards with a powerful expense management platform. It aims to liberate finance teams by automating spend administration, providing real-time insights, and integrating with various financial systems. Soldo helps businesses manage decentralized spending, improve financial control, and enhance efficiency and security.

• Unique Features: Customizable physical and virtual Mastercards®, comprehensive management platform, mobile app for tracking expenses and capturing receipts, seamless integration with financial systems like Xero and QuickBooks, financial controls for budget adherence, real-time visibility into spending, compliance with PCI DSS Level 1 and ISO/IEC 27001, high ROI and quick payback period.
• Pricing: Enterprise Plan: Custom quote, Plus Plan: €33/month (excluding 20% VAT) with 30-day free trial, Standard Plan: €21/month (excluding 20% VAT) with 30-day free trial. Additional fees include €5 for physical cards, €1 for virtual cards, €0.50 for temporary virtual cards, €7 per Standard user/month, €11 per Plus user/month, €0.75 per outbound bank transfer, 1% FX fee, and 1% ATM fee with a minimum of €2.
• Testimonials: Users generally appreciate Soldo for its helpful customer service and ease of use. Gina Ansell praised the online advisors for their clarity and helpfulness, stating, "The online advisors are always so helpful and explain things in a clear and easy to understand way." On the other hand, Alexander Nosic expressed dissatisfaction, mentioning, "Our account was frozen and closed without any reasons." For more detailed reviews, visit the Soldo Reviews on Trustpilot.

9. Propulse by CA

Propulse by Crédit Agricole is a 100% online professional account service designed to support entrepreneurs in managing their business finances. It offers a range of features including a Visa Business card, tools for creating invoices and quotes, automatic URSSAF declarations, and comprehensive support for business creation and development.

• Unique Features: Fully online professional payment account, quick setup in less than 5 minutes, payment limits up to 40,000 € per month, integrated tools for creating invoices and managing quotes, automatic URSSAF declarations, over 1500 articles and guides for entrepreneurs, free online business plan tool, insurance coverage included.
• Pricing: Pricing starts at 8 € HT/month, no commitment, first month free, Visa Business card included, additional services and tools available at no extra cost.
• Testimonials: Users generally appreciate Propulse by CA for its ease of use and helpful features. Theo S. mentioned, "Service client à l’écoute. Applications au top facile." On the other hand, Mathieu P. noted, "Franchement super application mais dommage que les virements instantanée sont pas disponibles et l'envoie des factures ou devis depuis l'application." For more detailed reviews, visit the Propulse by CA Reviews on Trustpilot.

10. Fiducial Banque

FIDUCIAL Banque offers an online banking account specifically designed for professionals, starting at 12€ HT/month. The service includes a dedicated advisor, a wide range of banking services, and 24/7 availability through an online client space and mobile application.

• Unique Features: Dedicated advisor, licensed bank, comprehensive payment methods, complete range of services, 24/7 availability, transparent pricing, French origin, recognition as the best online bank for professionals in 2024.
• Pricing: The pricing for a professional account with FIDUCIAL Banque starts at 12€ HT (Hors Taxes) per month. The page emphasizes transparent pricing with no hidden fees and includes all useful services from this starting price.
• Testimonials: Users generally have mixed feelings about FIDUCIAL Banque. One user, SOleil Or, mentioned, "Je suis personnellement très satisfait de cette banque. C’est la seule qui propose un conseiller dédié... Faites-vous votre propre opinion!" On the other hand, abdel malik Abdel expressed frustration, stating, "Fabien Thomas un commercial pas honnête et vicieux qui ne tient nullement ses engagements." For more detailed reviews, visit the Fiducial Reviews on Trustpilot.

Which one should you go with?

In conclusion, while each of these platforms offers unique features and benefits tailored to various business needs, OneSafe stands out for its exceptional customer support and comprehensive financial solutions. Whether you're a startup or an established business, OneSafe's blend of traditional and Web3 services, along with its user-friendly interface and competitive pricing, makes it a compelling choice. However, all the alternatives mentioned provide valuable services, and the best option ultimately depends on your specific requirements. If you're looking for a reliable and innovative financial partner, we highly recommend giving OneSafe a try.