Top 10 Alternatives to Blank

In this article, we will explore various alternatives to Blank, an online banking service tailored for independent professionals and small businesses. Blank offers a range of features including professional accounts, payment cards, invoicing, and simplified accounting, all designed to streamline financial management for its users.

Reviews

Users have shared a mix of positive and negative feedback about Blank. Many appreciate the platform's ease of use, particularly the automated Urssaf declarations and the intuitive invoicing system. These features have been highlighted as significant time-savers for independent professionals. However, some users have expressed frustration with occasional technical glitches and delays in customer service responses. Overall, while the platform is praised for its comprehensive financial management tools, there are areas where users feel improvements could be made.

• "The automated Urssaf declarations have saved me so much time!" - Louis
• "Customer service can be slow to respond, which is frustrating when you need quick help." - Marie

For more detailed reviews, visit Trustpilot.

Best alternatives to Blank

1. OneSafe

OneSafe is a financial technology company offering a comprehensive financial platform designed for startups and businesses operating in both fiat and cryptocurrencies. It provides streamlined, secure, and tailored neo-banking services for a digital-first world, including global payments, corporate cards, and multi-currency support.

• Simple onboarding process, global payments in various currencies, user-friendly corporate cards with spend limits, multi-currency support (USD, Euro, CAD, etc.), global accounts for international operations, seamless payment options (wire, ACH, foreign exchange), security measures including encryption, compliance protocols, and Multi-Factor Authentication (MFA), efficient currency conversion with competitive rates.
• Account Opening: Free, Minimum Balance: $0, Monthly Fees: None, Corporate Cards: Included, Invoices: Included, Sending + Receiving US Domestic Payments: 0.1% fee, Sending + Receiving Sepa Payments: 0.2% fee, International Wires: 0.2% fee + $25 Swift, Fedwire: $20, FX fee on Corporate cards: 1%, USDT Transactions: 0.1% fee, Fiat <-> Crypto Conversion: Included.
• Users rave about OneSafe's exceptional customer support and its ability to simplify complex financial tasks. Testimonials highlight its game-changing impact on businesses, especially in the Web3 space. For more details, visit the OneSafe website.

2. Airwallex

Airwallex is a global payments and financial platform trusted by over 100,000 companies. It offers software and APIs to simplify global payments and financial operations, enabling businesses to unlock new opportunities and grow without limits.

• Unique features: Simple setup with no bank queues or lengthy paperwork, fast transfers with over 85% arriving the same day, cost-effective by eliminating needless FX fees, award-winning human support with no bots, cloud-native design for businesses operating in the cloud, high security meeting international standards (PCI DSS, SOC1, SOC2), global compliance with local regulations, local payments network offering faster and more cost-effective alternatives to legacy banking.
• Pricing: Explore Plan - $0 or $29/month (waived with conditions), Grow Plan - $99/month, Accelerate Plan - $499/month, Custom Plan - contact sales for details. Additional fees may apply for certain transactions such as FX, transfers, and payment processing.
• Testimonials: Users generally appreciate the platform's efficiency and support. Wong Loke Hsien praised the intuitive app and helpful account manager, stating it made managing finances much easier. On the other hand, Pierrick C expressed frustration over sudden refusals of money transfers without clear reasons or solutions. For more detailed reviews, visit Trustpilot.

3. Multipass

MultiPass offers a business account service for global payments, featuring dedicated IBANs, competitive exchange rates for over 70 currencies, and personal account management. It supports transactions in over 200 countries and provides local payment options in the UK, Europe, and the USA.

• Features: Dedicated IBAN, payment card, bank-beating exchange rates for over 70 currencies, personal account manager, transactions in over 200 countries, local payment options in the UK, Europe, and the USA, bespoke business solutions like Virtual IBAN, Currency Exchange, Mass Payments, API Integration, and Business Cards, FCA authorization, secure funds safeguarding, recognized for innovation and excellence.
• Pricing: Dedicated Relationship Manager - Free, Online banking - Free, Additional IBANs and currencies - Free, Account opening and due diligence - from £500, Priority onboarding - £500, Additional user - £100, Annual due diligence - from £100, Monthly maintenance fee - from £100, Minimum balance - from 3 monthly fees, Local EU (SEPA / SEPA Instant) - Incoming €2, Outgoing from 0.10% (min €10), Local UK (Faster Payments) - Incoming Free, Outgoing £1, International (SWIFT) - Incoming £20 / €25 / $30, Outgoing £40 / €50 / $60, Plastic and Virtual cards - various fees for issuance, maintenance, transactions, and delivery.
• Testimonials: Users generally appreciate the platform's efficiency and support. Alexey Umilin praised the exceptional support team, especially Irina Parsina, for her invaluable assistance. On the other hand, Anders from Entreprenor Aps expressed frustration, stating that MultiPass is not reliable for transfers and advised seeking more dependable partners. For more detailed reviews, visit Trustpilot.

4. Mercury

Mercury offers online business banking services designed to simplify financial workflows for startups. The platform provides a range of features including checking and savings accounts, credit cards, bill pay, invoicing, expense management, and accounting automations. Mercury aims to streamline financial operations, enhance security, and support business growth through various financial products and services.

• Unique features: Manage all banking tasks from a single dashboard, set auto-transfer rules, send free USD wires, unlock credit cards with low deposit minimums and earn 1.5% cashback, FDIC insurance up to 20x the industry standard, AI-powered bill pay, seamless invoicing, expense management, sync transactions with accounting software like QuickBooks and Xero, earn high yields on idle cash with Mercury Treasury, access venture debt and fundraising tools like SAFEs, connect with a network of investors, founders, and experts through Mercury Raise.
• Pricing: Mercury - $0/month for essential business banking features, Mercury Plus - $35/month for more reimbursements and invoicing power, Mercury Pro - $350/month for advanced workflows and dedicated support.
• Testimonials: Users generally appreciate Mercury's simple onboarding process and powerful API, which allows integration with other systems. Andrew praised the no-fee approach to ACH and wire transfers, while Ebraam Mansy complained about the account being closed with funds inside and lack of response to emails. For more detailed reviews, visit Trustpilot.

5. Credem

Credem Banca offers a comprehensive range of banking products and services, including current accounts, credit and debit cards, loans, mortgages, and investment options. The bank emphasizes customer care, financial well-being, and innovative solutions tailored to the needs of individuals, families, and businesses.

• Unique features: Wellbanking People, Sustainability, Innovation, Green Transition, Financial Wellbanker, Comprehensive Support.
• Pricing: The webpage does not provide specific pricing details for Credem's products or services. For detailed pricing information, users are likely directed to specific product pages or need to contact the bank directly through the provided contact methods.
• Testimonials: Users generally have mixed feelings about Credem. Steve Smith praised the courteous and professional service at the Citadella Del Capo branch, making banking easier for expats. On the other hand, Dan Racioppa expressed frustration over the slow and inefficient processes, calling it a complete waste of time. For more detailed reviews, visit Trustpilot.

6. Primis Bank

Primis Bank offers business banking services with a focus on eliminating unnecessary fees and providing advanced technology. Their business banking products include checking and savings accounts with features such as no monthly fees, no overdraft fees, no minimum balance requirements, and unlimited transactions. They also offer free cash flow analytics, 24/7 customer support, and FDIC protection.

• No monthly fees, overdraft fees, account fees, or ATM fees, free business insights and cash flow analytics, options to grow money through debit card rewards or interest-earning accounts, FDIC protection, 24/7 customer support from real humans, high-interest rate on business savings accounts, refunds on originating wire fees and additional $10, special resources for sole proprietors.
• The webpage does not provide specific pricing details for Primis Bank's products or services. For detailed pricing information, users would likely need to visit specific product pages or contact the bank directly.
• Users generally have mixed feelings about Primis Bank. Larry had a positive experience, stating, "Got a random text from CEO introducing himself and the Company. We talked for 20 minutes where he asked about the experience and areas for improvement." On the other hand, Steve expressed frustration, saying, "Primis Bank is NO DOUBT the worst financial institution I’ve ever dealt with. I’ve spent hours on hold to try to reach someone." For more detailed reviews, visit Trustpilot.

7. Soldo

Soldo is a spend management platform that helps businesses manage and control their spending through a combination of physical and virtual Mastercards, a management platform, and a mobile app. It offers integrations with various financial systems to streamline data management and improve efficiency.

• Unique Features: Pre-programmable and customizable cards, powerful expense management platform, real-time insights, integrations with financial systems like Xero, NetSuite, and QuickBooks, enterprise-level security, customizable solutions, significant time savings and ROI.
• Pricing:
  • Enterprise Plan: Customizable solution for large organizations. Pricing: Contact Soldo for details. Features: Unlimited users, unlimited cards, team cards with unlimited users, unlimited outbound bank transfers, unlimited wallets, enterprise workflows and automations, integrated expense policies, manage processes in bulk, enterprise integrations, API access, personal account management, and professional services.
  • Plus Plan: Comprehensive solution for full control and visibility of spend. Pricing: 33€ per month (excluding 20% VAT). Free Trial: 30 days. Features: 3 users, 30 physical or virtual Soldo cards, 30 subscription or digital ad cards, 30 temporary virtual cards, 30 outbound bank transfers per month, 3 wallets, advanced receipt capture, multi-currency support, team cards up to 3 users, expense review workflows, bulk reimbursement, advanced reporting, advanced integrations.
  • Standard Plan: Card solution that tracks expenses in real-time. Pricing: 21€ per month (excluding 20% VAT). Free Trial: 30 days. Features: 3 users, 20 physical or virtual Soldo cards, 20 subscription or digital ad cards, 20 temporary virtual cards, 20 outbound bank transfers per month, mobile app, standard receipt capture, Apple and Google Pay, standard reporting, online support center.
  • Additional Fees: Physical Cards: €5 issuance fee per card, Virtual Cards: €1 issuance fee per card, Temporary Virtual Cards: €0.50 issuance fee per card, Users: €7 per Standard user per month or €11 per Plus user per month, Outbound Bank Transfers: €0.75 per transaction, Fees: 1% FX fee and 1% ATM fee with a minimum of €2.
• Testimonials: Users generally appreciate Soldo's helpful customer service and efficient spend management tools. Gina Ansell praised the online advisors for their clear and easy-to-understand explanations, making it a pleasure to contact them. On the other hand, Alexander Nosic expressed frustration over having their account frozen and closed without any reasons, indicating potential regulatory issues. For more detailed reviews, visit Trustpilot.

8. N26

N26 is a mobile banking service that offers a range of financial products and services through an intuitive app. It provides various account plans (Standard, Smart, You, Metal) with features like virtual Mastercard, free ATM withdrawals, 24/7 chat support, and robust security measures. N26 also offers savings accounts with competitive interest rates and investment options in stocks, ETFs, and cryptocurrencies. The service is designed to be simple, transparent, and user-friendly, with no hidden fees or paperwork.

• Unique Features: Virtual Mastercard, free ATM withdrawals in euros and abroad, 24/7 chat support in five languages, innovative security measures including 3D Secure and biometric authentication, instant savings with competitive interest rates, investment options in stocks, ETFs, and cryptocurrencies, various membership plans tailored to different needs.
• Pricing:
  • N26 Standard: €0.00/Month, free account with a virtual card.
  • N26 Smart: €4.90/Month, includes tools for spending and saving.
  • N26 You: €9.90/Month, designed for travel and everyday needs.
  • N26 Metal: €16.90/Month, premium account with perks and a metal card.
• Testimonials: Users generally have mixed feelings about N26. Spiros Fotis praised the bank for its innovative features, stating, "N26 is one of the best online banks. Many of its features have been adopted by mainstream banks in Greece as part of their effort to digitalise." On the other hand, Amber expressed frustration over customer service issues, saying, "I was quite happy with N26 a few years ago, but it went downhill. I have lost my phone and it is impossible to log in to my account, because the only 2 options are to confirm with my phone or with my phone number, which I both don't have anymore." For more detailed reviews, visit Trustpilot.

9. Brex

Brex is a financial technology company offering a comprehensive suite of financial services including corporate credit cards, expense management, business banking, bill pay, accounting automation, and travel management. Their platform leverages AI to automate financial processes, providing real-time tracking, higher credit limits, and global reach in over 120 countries.

• Features: AI-powered automation for approvals, expense reports, invoice entry, and payments, services available in 120+ countries, 4.24% yield on business accounts, auto-enforced controls for budgets and spend limits, automated receipts, AI-powered assistant, in-app travel bookings, up to 20x higher credit limits compared to traditional options, high compliance rates, additional FDIC insurance up to $6M.
• Pricing:
  • Essentials Plan: $0 per user/month, includes global card acceptance, AI-powered custom rules, up to two entities, accounting integrations, local currency wires, travel booking, real-time reporting, Brex API access, bill pay, and reimbursements.
  • Premium Plan: $12 per user/month, includes everything in Essentials plus multiple customizable expense policies, dynamic expense review chains, AI-powered compliance audit detection, advanced approvals, multi-entity support, customizable ERP and HRIS integrations, VAT documentation, group travel, advanced travel rules, and live budgets.
  • Enterprise Plan: Custom pricing, includes everything in Premium plus unlimited US or global entities, local card issuance, collections, reimbursements, policies, local language support, named account manager, admin center, and fully customizable implementation services.
  • Smart Card: Custom pricing, includes global cards accepted worldwide, local-currency cards in 50+ countries, merchant card controls, and custom approvals.
• Testimonials: Users generally have a highly positive sentiment towards Brex, appreciating its ease of use, comprehensive features, and excellent customer support. Andrew S. praised the platform, saying, "Brex makes expense reporting so simple. The text feature on your phone to record receipts makes it almost impossible to forget to record expenses." On the other hand, Lucas P. expressed a need for more educational resources, stating, "I wish there was more education on how to properly use certain features which I am setting up for the first time, like Spend Limits and Policies." For more detailed reviews, visit G2.

10. Revolut

Revolut Business is an all-in-one business account designed to help businesses manage their finances more efficiently. It offers features like global payments, multi-currency accounts, smarter spending, physical and virtual cards, global transfers, IBAN/SWIFT/BIC details, online/in-person payments, and currency exchange.

• Unique Features: Global payments to over 150 destinations, manage money in multiple currencies, exchange 25+ currencies at the interbank rate, issue physical and virtual cards, set spend controls and approvals, sync accounting software, capture and pay bills with AI, integrate business tools, access to 45+ million Revolut customers, analytics for planning and tracking spend, savings with daily returns, currency risk management.
• Pricing:
  • Basic: £0/month, includes local & global account details, team member addition, physical & virtual cards, online & in-person payments.
  • Grow: From £19/month, includes everything in Basic plus £10,000 monthly exchange at interbank rate, savings interest, spend controls, bulk payments.
  • Scale: From £79/month, includes everything in Grow plus £50,000 monthly exchange, higher no-fee transfer allowances, higher savings interest.
  • Enterprise: Custom pricing, includes customizable allowances for transfers, currency exchange, specialized account management, highest savings rate.
• Testimonials: Users generally appreciate Revolut's convenience and efficiency. Kavita Gunaratne praised the quick account setup, stating, "Revolut has made my life so much easier as I had a very bad experience with my previous bank in getting my account sorted, but my Revolut account was set up within minutes." On the other hand, Nicolas Huynh expressed frustration over poor service and communication, saying, "Bad service, bad communication. I ordered a card terminal reader to take payment. This has been delivered to an unknown place by Royal mail in few days. According to Revolut, this is my problem and they can't help." For more detailed reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these financial platforms offers unique features and benefits tailored to different business needs, OneSafe stands out for its comprehensive suite of services, exceptional customer support, and seamless integration of fiat and cryptocurrency operations. Whether you're a startup, a small business, or a growing enterprise, OneSafe provides a robust and user-friendly solution to streamline your financial management. However, all the alternatives mentioned are solid choices, and the best option ultimately depends on your specific requirements. If you're looking for a reliable and innovative alternative, we highly recommend giving OneSafe a try.