Top 10 Alternatives to Countingup

Countingup is a business account service that combines banking and accounting into one app, specifically designed for self-employed individuals and small businesses. This article will explore various alternatives to Countingup, providing insights into other services that offer similar features and benefits.

Reviews

Users have shared a mix of positive and negative feedback about Countingup. Many appreciate the convenience of having banking and accounting in one app, highlighting features like easy invoicing and real-time tax insights as particularly helpful. However, some users have expressed frustration with customer service response times and occasional technical glitches. Overall, the sentiment is largely positive, with users finding the app beneficial for managing their business finances efficiently.

• "The app makes invoicing and tracking expenses so much easier. It's a game-changer for my small business." - John D.
• "Customer service can be slow to respond, which is frustrating when you need immediate assistance." - Sarah K.

For more detailed reviews, visit Countingup Reviews.

Best alternatives to Countingup

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 services like global payments, corporate cards, and multi-currency support, tailored for the modern financial landscape and Web3 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 efficiency in managing payroll and expenses. The platform is highly regarded for its seamless USD to USDC conversion and reliability. For more details, visit the OneSafe website.

2. Payhawk

Payhawk is a comprehensive spend management platform designed for multinational businesses. It combines company cards, international bank payments, accounts payable with purchase orders, expense management, bank accounts in dedicated currencies, and leading integrations with ERP and accounting software into one system.

• Features: Seamless ERP integration with systems like Oracle NetSuite and Microsoft Dynamics, customisable platform to match specific business requirements, multi-entity support for streamlined processes across different entities, worldwide accounts and card issuance with dedicated IBANs, advanced expense management with PO 2 and 3 way matching, automated HR integrations to streamline processes and reduce fraud risks, robust invoice handling with split invoices and scheduled payment runs.
• Pricing: Payhawk offers three main pricing plans: Premium Cards, All-In-One Spend, and Enterprise. The Premium Cards plan includes features like dedicated bank accounts, Visa credit and debit cards, virtual and physical cards, and advanced card controls. The All-In-One Spend plan adds expense management, free domestic reimbursements, and a dedicated customer success manager. The Enterprise plan includes all previous features plus purchase orders with 3-way matching, multi-entity dashboard, and enterprise accounting integrations. Additionally, there is a Growth Program priced at £149 per month for small businesses with less than 50 employees in the EEA or UK/I.
• Testimonials: Users generally appreciate Payhawk for its efficiency and support. One user mentioned, "This is a great payment platform for automated online billing. It has made our bookkeeping so much easier and reduced the administrative time required. Also, their support staff is always so prompt to help and their resolution times are ace!" However, not all feedback is positive. Another user expressed frustration, stating, "Payhawk changed their business focus to larger customers and gave me ten business days' notice to close my account. It's just a terrible way to treat and end a relationship with a customer, after 2 years." For more detailed reviews, visit Trustpilot.

3. Bunq

Bunq offers a business banking solution that allows users to open a business bank account in just 5 minutes using their phone and ID. The service includes a 30-day free trial for any plan. Bunq provides various features to help businesses manage their finances efficiently, including multiple bank accounts, contactless payment options, automation tools, high interest rates on savings, shared account access, local IBANs, powerful cards, and sustainability initiatives.

• Features: Quick account setup, multiple bank accounts, contactless payments, automation tools, high interest rates, shared access, local IBANs, powerful cards, sustainability initiatives, web access.
• Pricing: Easy Bank Pro XL: €23.99/month, Easy Bank Pro: €13.99/month, Easy Bank: €7.99/month, Easy Savings: Free, Easy Card: Free.
• Testimonials: Users generally appreciate Bunq for its innovative features and ease of use. One user mentioned, "Bunq knows how to make customers satisfied cuz they never stop adding new features and bonuses." However, another user expressed frustration, stating, "My main complaint in that review was that the bank’s customer service is barely reachable." For more detailed reviews, visit Trustpilot.

4. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies. It is designed to save users money on international transfers by offering low fees and transparent exchange rates. The service is used by millions of people worldwide for personal and business purposes.

• Unique Features: Multi-currency account with over 40 currencies, low fees saving up to 5x on international transfers, Wise debit card for spending and withdrawing cash in multiple currencies without foreign transaction fees, interest earning on GBP balances, global account details for receiving money in other currencies, regulated by the Financial Conduct Authority (FCA), high Trustpilot rating, business solutions for managing cash flow and paying employees.
• Pricing: Registering with Wise is free. Sending money incurs a fee that varies by currency, starting from 0.29%. Holding money in your account is free for over 40 currencies. Receiving money is free for getting account details in 23 currencies and local payments in specific currencies. USD wire and Swift payments cost $6.11 per payment, CAD Swift payments cost 10 CAD per payment, and receiving Swift payments in 21 currencies is free, though correspondent banks might charge fees.
• Testimonials: Users generally appreciate Wise for its ease of use and cost-effectiveness. One user mentioned, "You can set up and receive multiple currencies. I could use it as my card/debit card abroad. Easy for me to convert the USD funds I have to the currencies of the country I'm vacationing." However, another user expressed frustration with customer support, stating, "Customer Support is the worst among all the products that I used, they're just incompetent. I used Wise for the past 3 years as Personal and Business Account." For more detailed reviews, visit G2.

5. Blank

Blank offers an online professional account service designed for independent professionals and small businesses. It provides a range of financial management tools, including invoicing, payment processing, and automated Urssaf declarations. The service is fully online, with quick account setup, high security, and comprehensive customer support.

• Unique Features: Online professional account with a French IBAN, Visa Business card with high withdrawal limits, automated Urssaf declarations for micro-enterprises, customizable invoices and quotes from a smartphone, comprehensive insurance solutions for independent professionals, 7-day customer support including Sundays, high security with 3D Secure system and deposits guaranteed up to €100,000.
• Pricing: Blank offers various pricing plans tailored to different needs. The details can be discovered through their pricing page, which provides comprehensive information on the costs associated with their services.
• Testimonials: Users generally appreciate Blank for its simplicity and efficiency. One user mentioned, "I am using the app since 3 months, and it is amazing app… all the works done with it ✅." However, another user expressed frustration, stating, "Ces une banque de voleur attention il bloque les virements entant pendant plus de un mois ou les refuse attention." For more detailed reviews, visit Trustpilot.

6. Mercury

Mercury offers business banking solutions designed for startups, providing a range of services including checking and savings accounts, credit cards, bill pay, invoicing, expense management, and accounting automations. The platform aims to simplify financial workflows and enhance operational efficiency for businesses.

• Unique Features: Manage banking and financial operations from a single dashboard, set auto-transfer rules, send free USD wires, unlock credit cards with low deposit minimums, earn unlimited 1.5% cashback on all spend, FDIC insurance up to 20x the industry standard, handle bills, generate invoices, manage expenses, close books with integrated tools and AI assistance, earn up to 4.81% yield on idle cash with Mercury Treasury, access venture debt, speed up fundraising with free SAFEs, connect with investors, founders, and experts through Mercury Raise.
• Pricing: Mercury offers three main pricing plans:
  • Mercury: $0/Month - Basic business banking and finance essentials, including FDIC-insured bank accounts, online ACH, wires, checks, corporate debit & credit cards, up to 4.81% yield with a $500K minimum balance, process up to 5 bills/month, unlimited invoice generation, reimburse up to 5 users/month, and integrations with Xero and QuickBooks.
  • Mercury Plus: $35/Month - All Mercury features plus enhanced bill pay, invoicing, and reimbursements.
  • Mercury Pro: $350/Month - All Mercury Plus features plus advanced workflows, dedicated support, and additional integrations like NetSuite.
• Testimonials: Users generally appreciate Mercury for its ease of use and responsive customer support. One user mentioned, "Simple and easy-to-use platform and great customer support. The UI is clean and intuitive, the fees are low, and the support very responsive." However, another user expressed frustration, stating, "First, Mercury declined my application. So I replied. What must I do to correct and resubmit so that I can get it approved? The response from Mercury, there isn't much information or reasons they can provide. And I'm not allowed to resubmit. What the f!@# kind of answer is this. Such an unprofessional bank." For more detailed reviews, visit Trustpilot.

7. Finom

Finom offers a business account with cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration, providing an IBAN account that can be opened online. The service includes features like fast payments, expense control, and personal assistance.

• Unique Features: German IBAN available within 24 hours, international payment capabilities, up to 3% cashback on expenses, personal assistance available within 1 minute, tailored benefits for freelancers, businesses with employees, and companies under registration, simple invoicing service that helps clients get paid 20% faster, safe access for employees and accountants, reconciliation tools, money collection tools, analytic data reports, and accounting software integrations.
• Pricing: Finom offers two main pricing plans. The Corporate Plan starts from €149 per month (excl. VAT) for monthly payments and €119 per month (excl. VAT) for annual payments. The Enterprise Plan starts from €339 per month (excl. VAT) for monthly payments and €249 per month (excl. VAT) for annual payments. Additional fees apply for services like extra team members, card issuance, ATM withdrawals, SEPA transfers, and international payments.
• Testimonials: Users generally appreciate Finom for its customer-friendly approach and efficient support. One user mentioned, "Finally, a truly helpful support team! Every time I have a question, Mees is there to assist and always provides a satisfying answer. Great service!" However, another user expressed frustration, stating, "Crap company, asked to send a few documents, I did try everything then closed bank account, thanks ok coz I got another one with rebolut,and also they have roved me 18 euros. Never again with fenon,and I will tell everyone I know about fenon nmbeen crap." For more detailed reviews, visit Trustpilot.

8. Anna Money

ANNA Money offers a business account service in the UK that can be set up in less than 10 minutes. It includes a business debit card, virtual cards, payment links, cash deposit options, special partner offers, and integration with Apple Pay and Google Pay. The service also provides tools for managing expenses, saving money, and receiving instant payment notifications. Additional features include direct debits, standing orders, cashback credit cards, small business loans, and open banking.

• Unique Features: Quick setup in less than 10 minutes, business debit card that "miaows," virtual debit cards, customizable payment link, cash deposits at PayPoints, special partner offers, Apple Pay and Google Pay integration, expense management tools, money-saving pots, instant payment notifications, free direct debits and standing orders, up to 40% cashback on business credit card, small business loans, open banking.
• Pricing: ANNA Money offers flexible pricing plans starting at £0 per month. Users only pay for the services they use, and there is no monthly fee if the account is not used for a month.
• Testimonials: Users generally appreciate ANNA Money for its ease of use and efficient customer service. One user mentioned, "I’ve been with ANNA for nearly 4 years now, and have recently just opened another company with them. Since then they have provided nothing but an excellent service, ensuring payments are received and handling any issues I have 24/7." However, another user expressed frustration, stating, "Avoid at all costs!!! ANNA have held on to a very large amount of company money for weeks, they are uncontactable or helpful." For more detailed reviews, visit Trustpilot.

9. Multipass

MultiPass offers a business account service designed for global payments. It provides features like dedicated IBANs, payment cards, and competitive exchange rates for over 70 currencies.

• Unique Features: Dedicated IBAN, payment card, bank-beating exchange rates for over 70 currencies, personal account manager, global reach with 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 ensuring funds are safeguarded, recognized for innovation and excellence in the payment platform industry.
• Pricing: Onboarding fees start from £500, priority onboarding at £500, additional user at £100, annual due diligence from £100. Monthly maintenance fee from £100, minimum balance from 3 monthly fees, failure to meet minimum balance at £100, failure to provide requested documents at £500, account closure fee from 3 monthly fees. Local EU payments: Incoming €2, outgoing from 0.10% (min €10). Local UK payments: Incoming free, outgoing £1. Local US payments: ACH from 0.15% (min $10), Fedwire from 0.10% (min $25). International SWIFT: Incoming £20/€25/$30, outgoing £40/€50/$60. Card fees: Plastic cards initial issuance & replacement £10/€12, maintenance fee £10/€12, virtual cards initial issuance & replacement free, maintenance fee £10/€12.
• Testimonials: Users generally appreciate MultiPass for its exceptional support and reliable service. One user mentioned, "I would strongly recommend the Multipass solution for any business. I would especially like to commend their exceptional support team. In particular, I am grateful to Irina Parsina for her invaluable assistance. Her help has been truly outstanding and cannot be overstated." However, another user expressed frustration, stating, "Don't use Multipass for transfers. They're not reliable or helpful. Find someone else you can trust. Save yourself the hassle and seek out more dependable partners." For more detailed reviews, visit Trustpilot.

10. Kontist

Kontist offers a comprehensive business banking solution for self-employed individuals in Germany. The service includes a business bank account, automated bookkeeping, and business tax returns, all integrated into a single app.

• Unique Features: Integrated app combining banking, bookkeeping, and tax returns, automatic tax calculation, AI-supported bookkeeping, real-time bank transfers, mobile & web banking, Visa Business Debit Card, Apple Pay & Google Pay, invoicing tool, premium account features like profit & loss statements and trade tax returns.
• Pricing: Kontist offers three pricing plans:
  • Free Plan: €0/month plus VAT, includes free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, and 2 invoices per month.
  • Premium Plan: €9/month plus VAT, includes all Free plan features plus free virtual and physical Visa Debit card, automatic tax calculation, MT940 Datev export, unlimited invoices, and integration with external bookkeeping tools.
  • Bookkeeping Plan: €29/month plus VAT, includes all Premium plan features plus unlimited free transactions, advance VAT return, business evaluation, manually add external transactions, unlimited categorization of transactions with AI, and business assets handling.
• Testimonials: Users generally appreciate Kontist for its ease of use and comprehensive features. One user mentioned, "After over 2 years of service, Kontist has constantly provided the best support... Their tax/administrative services are also indispensable." However, another user expressed frustration, stating, "The tax service is extremely overpriced and totally not recommended! I made the mistake of using it for over 1 year as a new business owner and non-German speaker, and their service was minimal... I won’t make the mistake of paying for anything from them." 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 services and exceptional customer support. Whether you're a startup navigating the complexities of fiat and cryptocurrencies or a small business seeking seamless global payments, OneSafe provides a robust solution designed for the modern financial landscape. Although any of these alternatives could be a good fit, we recommend OneSafe if you're looking for a reliable and efficient financial partner. Explore your options and choose the one that best aligns with your business goals.