In this article, we will explore various alternatives to Credem, a bank known for its comprehensive range of financial services tailored to individuals, families, businesses, and professionals. Credem offers products such as current accounts, credit cards, loans, mortgages, and investment options, all designed to enhance the financial well-being of its customers.
Reviews
Users have shared a mix of positive and negative feedback about Credem. Many appreciate the bank's comprehensive range of services, particularly highlighting the ease of online account management and competitive loan offers. Customers also commend the helpful customer support and the bank's focus on financial well-being. However, some users express frustration with the bank's handling of investment advice and non-compliance with financial arbitration decisions. These issues have led to dissatisfaction among customers who felt their complaints were not adequately addressed.
- "The online account setup was seamless and the customer support team was very responsive." - Maria G.
- "I was disappointed with the investment advice I received, and the bank's response to my complaint was unsatisfactory." - Luca P.
For more detailed reviews, visit Credem Banca Reviews.
Best alternatives to Credem
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 such as global payments, corporate cards, and seamless integration of traditional and Web3 financial operations.
- Simple onboarding, global payment capabilities, user-friendly corporate cards, comprehensive tools including global accounts, worldwide wires, foreign exchange, and accounting, multi-currency support, high security with state-of-the-art encryption, efficient currency conversion, global accessibility.
- 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 the platform's efficiency and reliability, making it an essential tool for Web3 companies. For more details, visit the OneSafe website.
2. Novo
Novo offers an online business checking account with no hidden fees, no minimum balance requirements, and 100% online accessibility. It provides tools for managing business finances, including free ACH transfers, free incoming wires, and secure payment options. Novo also offers free virtual and physical debit cards, ATM fee reimbursements, and personalized customer service.
- No hidden fees, no minimum balance requirements, 100% online account management, free ACH transfers with low-cost express availability, free incoming wires, free virtual and physical debit cards, ATM fee reimbursement up to $7/month, AI-powered bookkeeping, automated budgeting with Reserves, integration with top business tools, exclusive partner discounts, personalized customer service, FDIC insurance up to $250,000 via Middlesex Federal Savings, F.A.
- Account Opening: Free, Minimum Balance: $0, Monthly Fees: None, ACH Transfers: Free, Incoming Wires: Free, ATM Fee Reimbursement: Up to $7/month, Debit Cards: Free, Express ACH: Low-cost, International Wires: Not specified.
- Users generally appreciate Novo's user-friendly platform and small business-friendly services. One user mentioned, "Novo is super easy to use and has become a lifeline for my business," while another expressed frustration, stating, "My account was closed due to inactivity without notification, and customer service was unhelpful." For more detailed reviews, visit Trustpilot's Novo Reviews page.
3. Anna Money
ANNA Money offers a business account that can be opened online in less than 10 minutes. It includes a business debit card that makes a sound when used. The service is designed to go beyond ordinary business banking by providing various features and tools to help manage financial admin tasks efficiently.
- Unique features: Quick account setup, virtual business debit cards, personal payment link and webpage, cash top-up at PayPoints, special offers, Apple Pay and Google Pay integration, expense management with employee cards, money-saving pots, instant payment notifications, free direct debits and standing orders, business cashback credit card, small business loans, open banking, FSCS protection.
- Pricing: Plans start at £0 per month, users only pay for the services they use, no monthly fee if the account is not used.
- Testimonials: Users generally appreciate ANNA Money's efficient service and helpful customer support. 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," while another 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's ANNA Money Reviews page.
4. Fiducial Banque
FIDUCIAL Banque offers a professional online banking account starting at 12€ HT/month. The service includes a dedicated advisor from the account opening, a wide range of banking services tailored for professionals, and the convenience of managing accounts online 24/7. The bank is recognized as the best online bank for professionals in 2024 and provides comprehensive support for current and future banking needs.
- Unique features: Dedicated advisor, banking license from ACPR, comprehensive payment methods including CB, cheques, SEPA transfers, international transfers, and cash, complete range of services for professionals, 24/7 online account management, transparent pricing, 100% French origin, expert support from the FIDUCIAL Group.
- Pricing: The professional account starts at 12€ HT/month.
- Testimonials: Users generally appreciate the dedicated advisors and credit offerings. One user mentioned, "Je suis personnellement très satisfait de cette banque. C’est la seule qui propose un conseiller dédié... Faites-vous votre propre opinion!" However, some users express frustration with the customer service and sales practices. For instance, one user stated, "Une bande d’escrocs Fabien Thomas un commercial pas honnête et vicieux qui ne tient nullement ses engagements." For more detailed reviews, visit Trustpilot's Fiducial Reviews page.
5. Wallester
Wallester Business offers a comprehensive platform for managing corporate expenses through virtual and physical cards. It provides tools for real-time transaction monitoring, expense control, media buying, invoicing, and budget management. The platform is designed to streamline financial processes, enhance transparency, and improve overall business efficiency.
- Unique features: Instant card issuance, real-time transaction monitoring, media buying capabilities, integrated accounting services, customizable API, no setup or monthly fees, IBAN accounts, multiple awards for excellence.
- Pricing: Free package includes 300 virtual cards, unlimited physical cards, unlimited users, real-time support, open developer API, and onboarding assistance. Additional packages: 3000 virtual cards for €199/month, 15000 virtual cards for €999/month, custom solutions available upon request.
- Testimonials: Users generally appreciate Wallester's fast assistance and efficient card services. One user mentioned, "Absolute number one for business card and global payroll system on line and on app," while another expressed frustration, stating, "Bunch of scammers with terrible support. They will suspend your account and hold your money." For more detailed reviews, visit Trustpilot's Wallester Reviews page.
6. Wise
Wise offers an international account that allows users to send, receive, and manage money in multiple currencies with low fees and transparent exchange rates. It provides a multi-currency account, international debit card, and interest-earning options, making it suitable for personal and business use.
- Unique features: Multi-currency account, low fees on international transfers, Wise debit card for global spending, interest-earning accounts, regulatory compliance with FCA, robust security measures, extensive coverage of currencies and countries.
- Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, holding money in over 40 currencies is free, receiving local payments in specific currencies is free, receiving USD wire and Swift payments costs $6.11 per payment, and receiving CAD Swift payments costs $10 CAD per payment.
- Testimonials: Users generally appreciate Wise's ease of use and cost savings. 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, some users express frustration with customer support, stating, "Customer Support is the worst among all the products that I used, they're just incompetent." For more detailed reviews, visit G2's Wise Business Reviews page.
7. Propulse by CA
Propulse by CA is a 100% online professional account service offered by Crédit Agricole. It provides a comprehensive solution for entrepreneurs, including a professional payment account, business support services, and various tools for managing finances, creating invoices, and declaring income to URSSAF.
- Unique features: 100% online account managed by Okali, quick setup in less than 5 minutes, affordable pricing starting at 8 € HT/month with the first month free, high payment limits up to 40,000 € per month, integrated tools for creating invoices and automatic URSSAF declarations, Visa Business card included, comprehensive support with over 1500 articles and guides.
- Pricing: Starting at 8 € HT/month, no commitment, first month free.
- Testimonials: Users generally appreciate the ease of use and support provided by Propulse by CA. One user mentioned, "Change la vie" (Life-changing), while another expressed frustration, stating, "Frankly great application but it's a shame that instant transfers are not available and sending invoices or quotes from the application." For more detailed reviews, visit Trustpilot's Propulse by CA Reviews page.
8. Countingup
Countingup offers a business account service designed for self-employed individuals and small businesses in the UK. It allows users to open an account online in under 5 minutes, manage their finances, create and send invoices, and handle bookkeeping and tax-related tasks through an integrated app.
- Unique features: Quick account setup in under 5 minutes, accept payments via UK bank-to-bank transfers, international transfers, and card payments, create and send unlimited professional invoices for free, automatic categorisation for bookkeeping, real-time tax insights, secure data sharing with accountants.
- Pricing: Free 3-month trial, then tiered monthly subscription fees based on deposit amounts: £3/month for deposits between £0 – £750, £9/month for deposits between £750 – £7,500, £18/month for deposits over £7,500. Additional transaction fees include 30p for account transfers and direct debits, 3% for foreign transactions, £1 per ATM withdrawal, 0.5% (minimum £2) for Post Office cash loads, 3% for PayPoint cash loads, and £5 for a replacement card.
- Testimonials: Users generally appreciate Countingup's ease of use and comprehensive features. One user mentioned, "I love to use them. It's easy to follow up on the expenses and profits, and there's a tax pot to which the tax money can be added." However, some users express frustration with customer support, stating, "For the 2nd time in a month acc has been blocked... they don't care they leave you with no answer no way to phone them and no way to take payments." For more detailed reviews, visit Trustpilot's Countingup Reviews page.
9. Kontist
Kontist offers a business banking solution designed for self-employed individuals in Germany. It combines a business bank account with automated bookkeeping and business tax returns, all managed through a single app. The service aims to simplify financial management, allowing users to focus on their business.
- Unique Features: All-in-one app combining banking, bookkeeping, and business tax returns, automatic tax calculation, AI-supported bookkeeping, real-time financial insights, comprehensive tax services including profit & loss statements, VAT returns, and trade tax returns, mobile & web banking, Visa Business Debit Card, integration with Apple Pay & Google Pay, invoicing tool.
- Pricing: Kontist offers three plans: Free Plan at €0 per month plus VAT (with conditions), Premium Plan at €9 per month plus VAT, and Bookkeeping Plan at €29 per month plus VAT. The Free Plan includes 10 free transactions per month, with additional transactions costing €0.15 each. The Premium Plan includes a physical Visa Debit card and unlimited invoices, while the Bookkeeping Plan offers unlimited free transactions and advanced VAT return services.
- Testimonials: Users generally appreciate Kontist's ease of use and comprehensive features for freelancers. One user mentioned, "I have been with Kontist for over two years now. It is a very good service, any questions I have regarding taxes they answer quickly and professionally." However, some users express frustration with the tax service, stating, "Their tax service is extremely overpriced and totally not recommended!" For more detailed reviews, visit Trustpilot's Kontist Reviews page.
10. 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 payments, credit cards with cashback, robust security measures, and advanced financial workflows like bill pay, invoicing, expense management, and accounting automations. Mercury also offers growth opportunities through treasury services and venture debt, along with industry expertise via Mercury Raise.
- Unique Features: Manage all banking tasks from a single dashboard, auto-transfer rules and free USD wires, early access to credit cards with low deposit minimums and 1.5% cashback, FDIC insurance, regulated partners, fraud monitoring, AI-powered bill pay, seamless invoicing, tailored expense management, accounting automations, high-yield treasury services, startup-friendly venture debt, access to a network of investors, founders, and experts through Mercury Raise.
- Pricing: Mercury: $0/month, Mercury Plus: $35/month, Mercury Pro: $350/month.
- Testimonials: Users generally appreciate Mercury's ease of use and powerful API. One user mentioned, "The application process was very simple and the approval came within 24 hours. I use Mercury for all my business endeavors. Their powerful API allows me to integrate into other systems that I build for my businesses. Their no-fee approach to things like ACH transfers and wire transfers is truly refreshing." However, some users express frustration with account closures and lack of response from customer support. For instance, one user stated, "Mercury closed my account with funds inside and refuses to even respond to any of my emails. Please address my issue before I take legal actions." For more detailed reviews, visit Trustpilot's Mercury Reviews page.
Which one should you go with?
In conclusion, while each of these financial platforms offers unique features and benefits tailored to various business needs, OneSafe stands out for its comprehensive financial tools, seamless integration of fiat and cryptocurrencies, and exceptional customer support. Whether you're a startup or an established business, OneSafe provides a robust and user-friendly solution to manage your financial operations efficiently. While any of these options could be a good fit depending on your specific requirements, we recommend OneSafe if you're looking for a reliable and innovative alternative to Credem.
