Top 10 Alternatives to Fiducial Banque

In this article, we will explore alternatives to Fiducial Banque, a professional online bank that offers a range of banking services tailored to the needs of businesses. We will delve into what Fiducial Banque does and then present other options that might suit your professional banking needs.

Reviews

Users have shared a mix of positive and negative feedback about Fiducial Banque. Many appreciate the quick account opening process and the 24/7 availability of banking services, which they find highly convenient. The dedicated advisor and competitive pricing are also frequently mentioned as significant advantages. However, some users have expressed frustration with the customer service response times and occasional technical issues with the mobile application. Overall, while the bank's services are praised for their efficiency and accessibility, there are areas where improvements could enhance the user experience.

• "The account opening process was seamless and took less than 10 minutes. Highly recommend!" - John D.
• "Customer service can be slow to respond, which is frustrating when you need immediate assistance." - Sarah L.

For more detailed reviews, visit Fiducial Reviews.

Best alternatives to Fiducial Banque

1. OneSafe

OneSafe is a financial technology company offering a comprehensive financial platform for startups and businesses that operate in both fiat and cryptocurrencies. It provides services such as global payments, corporate cards, multi-currency support, and seamless payment options, all through a user-friendly interface. OneSafe is designed to meet the needs of modern businesses, especially those involved in Web3 and digital currencies.

• Simple onboarding process with quick identity verification, global payments in various currencies, user-friendly corporate cards with spend limits, multi-currency support including USD, Euro, CAD, and more, ability to open and manage global accounts, versatile payment options including wire, ACH, and foreign exchange, security measures including encryption, compliance protocols, and Multi-Factor Authentication (MFA), near-instantaneous currency conversions 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 Web3. 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 access. It provides tools for managing business finances, including free ACH transfers, free incoming wires, secure payments, and free virtual and physical debit cards. Novo also offers additional services like bookkeeping, invoicing, and funding to support small businesses, freelancers, and consultants.

• No hidden fees, no minimum balance requirements, 100% online access, free ACH transfers with low-cost express availability, free incoming wires, free virtual and physical debit cards, ATM fee reimbursement up to $7/month, personalized customer service, AI-powered bookkeeping, automated budgeting with Reserves, exclusive partner discounts, integration with top business tools, 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 (virtual and physical), Overdraft Fees: $0, Additional Tools: Free invoicing and budgeting tools, AI-powered bookkeeping, Exclusive partner discounts, International payments.
• Users generally appreciate Novo for its user-friendly platform and small business-friendly services. One positive comment from Lisa Benson states, "Novo: A Game-Changing Small Business Bank for Simplified Finances and Unbeatable Support." On the other hand, a negative comment from Clean Sweep mentions, "This bank is terrible. I had a business account with a small balance on it and when I tried to log in my password wouldn’t work. Contacted customer service and they said my account was closed due to inactivity." For more testimonials, visit the Novo Reviews page.

3. Soldo

Soldo is a spend management platform that provides tools to simplify and streamline business spending. It offers physical and virtual Mastercards, a management platform, a mobile app for tracking expenses, and integrations with financial systems. Soldo aims to boost business agility and empower employees to spend responsibly while providing finance teams with control and visibility over company spending.

• Pre-programmable, customizable cards, powerful expense management platform, real-time insights, integrations with accounting software, enterprise-level security, economic impact.
• Enterprise Plan: Customizable, contact Soldo for pricing. Plus Plan: €33/month (excluding 20% VAT), includes 3 users, 30 cards, advanced integrations, 30-day free trial. Standard Plan: €21/month (excluding 20% VAT), includes 3 users, 20 cards, standard reporting, 30-day free trial. Additional fees: Physical cards €5, virtual cards €1, temporary virtual cards €0.50, additional users €7-€11/month, outbound bank transfers €0.75, FX and ATM fees 1% (min €2).
• Users generally appreciate Soldo for its helpful customer service and efficient spend management. Gina Ansell says, "The online advisors are always so helpful and explain things in a clear and easy to understand way." On the other hand, Alexander Nosic mentions, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now." For more testimonials, visit the Soldo Reviews page.

4. RelayFi

Relay is an online business banking platform designed to provide small businesses with comprehensive control over their finances. It offers business checking and savings accounts, receipt management, accounts payable services, and the Relay Visa® Credit Card. The platform integrates with accounting and payroll software like QuickBooks Online, Xero, and Gusto, emphasizing no account fees, overdraft fees, or minimum balances, and offers FDIC insurance up to $3M through Thread Bank.

• Unique features: Up to 20 individual checking accounts, savings accounts with 1.00%-3.00% APY, physical and virtual cards, credit cards with 1.5% cash back, direct integrations with QuickBooks Online and Xero, receipt management, role-based user permissions, FDIC insurance and Visa® Zero Liability Protection, Profit First banking, comprehensive cash flow management.
• Pricing: Relay offers a basic plan with no monthly fee, including essential business banking features like no account fees, overdraft fees, or minimum balances, up to 20 checking accounts, physical or virtual credit and debit cards, and integration with QuickBooks Online and Xero. The Relay Pro plan starts at $30 per business per month, offering additional services like faster ACH, free wire payments, accounts payable management, and bill approval workflows.
• Testimonials: Users generally appreciate Relay for its comprehensive features and user-friendly interface. Michel P. states, "Do not hesitate, you need them, trust me. In a world where many financial services like to call themselves a bank, there’s RelayFi, truly standing apart." On the other hand, Chuck Lu mentions, "TERRIBLE! TERRIBLE! TERRIBLE! services. Took them 7 business days to clear initial ACH deposit to open account and the fund was indeed withdrawn very next day from originating bank." For more testimonials, visit the Relay Reviews page.

5. Wallester

Wallester Business offers a comprehensive platform for managing corporate expenses through virtual and physical cards. It provides real-time card issuance, expense control, and integration with various financial processes.

• Unique features: Instant card issuance, real-time transaction monitoring, no setup or monthly fees, customizable API for workflow integration, IBAN account in EUR with no-commission transactions, award-winning platform recognized as the "Best Expense Management Platform" in 2023.
• Pricing: Free package includes 300 virtual cards, unlimited physical cards, and unlimited users with real-time support and open developer API. The 3000 virtual cards package costs €199 per month with €0.20/month per additional virtual card. The 15000 virtual cards package costs €999 per month with €0.10/month per additional virtual card. Custom solutions are available upon request.
• Testimonials: Users generally appreciate Wallester for its efficient service and comprehensive features. Giacomo Solimene states, "Absolute number one for business card and global payroll system on line and on app. Super fast assistance in some channel whatsapp and telegram over email support." On the other hand, Mike Ferrab mentions, "Bunch of scammers with terrible support. They will suspend your account and hold your money." For more testimonials, visit the Wallester Reviews page.

6. 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.

• Features: Direct link to existing bank account, no hidden fees, real-time notifications, security features like Mastercard purchase protection and card freeze, environmental impact through partnerships with Eden Reforestation Projects and Plastic Bank, multiple pricing plans, expert endorsements from reputable sources.
• Pricing: Essential Plan - Subscription free, 0.5% FX rate on spending abroad, 0.5% FX rate on money transfers, 0.5% FX rate on ATM withdrawals (2% over £500/month). Premium Plan - £25/year, 0% FX rate on spending abroad, 0.5% FX rate on money transfers, fee-free ATM withdrawals (1% over £500/month), additional benefits like car hire discounts and 4% cashback on Booking.com. Elite Plan - £120/year, 0% FX rate on spending abroad, 0.5% FX rate on money transfers, fee-free ATM withdrawals (1% over £750/month), luxury benefits including enhanced car hire discounts, up to 10% cashback on Booking.com, luxury travel concierge, priority access to luxury hotels, and worldwide airport lounge access for £24/pp with LoungeKey.
• Testimonials: Users generally appreciate Currensea for its ease of use and cost savings. One positive comment from IAG states, "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. I’m currently in Japan and receiving notifications and emails for each purchase in Yen with its Sterling equivalent. So I know exactly how much I’m spending. It feels safer using this card than my regular bank’s credit card, and I’m saving money too! I can’t see any drawbacks at all. Highly recommended." On the other hand, Honest M mentions, "Only thing to be mindful of is that your linked principal bank account can have a delay showing cleared transactions (mine doesn’t show Currensea 'pending' transactions) - there’s usually a day’s lag." For more testimonials, visit the Currensea Reviews page.

7. Finom

Finom offers a business account with cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration. The account can be opened online and provides a German IBAN within 24 hours, international payments, up to 3% cashback, and personal assistance within 1 minute.

• Unique features: German IBAN in 24 hours, international payments, up to 3% cashback on all expenses, personal assistance within 1 minute, €0 tariff plan for freelancers, free cards, simple invoicing, safe access for employees and accountants, reconciliation and money collection tools, analytic data reports and accounting software integrations, credit account with authorized funds for companies under registration, statements and complete registration of legal entities.
• Pricing: Corporate Plan - Monthly: From €149 (excl. VAT), Annually: From €119 (excl. VAT). Enterprise Plan - Monthly: From €339 (excl. VAT), Annually: From €249 (excl. VAT). Additional fees include €15/month for extra team members after 10 or 15 members, €100 for administrating irregularities, and various fees for card issuance, ATM withdrawals, SEPA transfers, and international payments.
• Testimonials: Users generally appreciate Finom for its customer-friendly approach and efficient support. Vladislav Vashchenko states, "Very customer friendly, especially if you are expat in Germany and looking for modern bank, with very fast and helpful support (special thanks to Andrea) and more important - English speaking. I really glad that I chose Finom!" On the other hand, Mr. Paulo Gonçalves mentions, "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 testimonials, visit the Finom Reviews page.

8. Kontist

Kontist offers a business bank account integrated with automated bookkeeping and business tax return functionalities. It aims to simplify financial management for self-employed individuals in Germany, providing a worry-free experience.

• Unique Features: All-in-one app combining banking, bookkeeping, and business tax returns, automatic tax calculation, AI-supported bookkeeping, real-time financial insights, mobile & web banking, Visa Business Debit Card, integration with Apple Pay and Google Pay, invoicing tool, premium account benefits including profit & loss statements, VAT returns, and trade tax returns.
• Pricing: Free Plan: €0* per month plus VAT (fee of €2 per month if transactions are less than €300), 10 free SEPA-transfers per month, €0.15 per additional transaction. Premium Plan: €9 per month plus VAT, 10 free SEPA-transfers per month, €0.15 per additional transaction. Bookkeeping Plan: €29 per month plus VAT, unlimited free SEPA-transfers, additional fees for real-time bank transfers (€0.35 per transaction).
• Testimonials: Users generally appreciate Kontist for its excellent service and user-friendly app. Daniel N Jochem states, "Excellent service for Freelancers. 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." On the other hand, Tanya mentions, "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." For more testimonials, visit the Kontist Reviews page.

9. Axos Bank

Axos Bank offers a range of business banking services designed to elevate business operations through digital accounts that provide security, ease, and efficiency. The services include small business banking, commercial banking, and lending solutions tailored to meet the needs of various business entities.

• Unique Features: Secure, easy-to-use digital accounts with minimal fees, comprehensive commercial solutions for corporations and real estate investors, specialized lending options including commercial lines of credit and equipment finance, industry-specific services, educational resources, Axos ONE bundled account, and Axos FundFinder+ research tool.
• Pricing: Axos ONE Account Bundle offers up to 4.86% APY on savings and up to 0.51% APY on checking with no maintenance fees. Home loans feature a $0 lender fee for a limited time. For specific pricing details, users are encouraged to visit the respective product pages or contact Axos Bank directly.
• Testimonials: Users generally appreciate Axos Bank for its great service and small business products. One positive comment from DW states, "Great Service and Small Business Products! I opened a Small Business Account because they have a great rate at 4%. In addition to that, I got a dedicated Relationship Manager that helped me through the account opening process and introduced me to some additional great options the bank has." On the other hand, a negative comment from Alissa mentions, "They set me up with an account after I added funds they locked the account. 2 years later I never got my money and they can’t give me information because it’s closed." For more testimonials, visit the Axos Bank Reviews page.

10. OneMoneyWay

OneMoneyWay is a digital platform offering seamless global payments, secure transfers, virtual and physical payment cards, business accounts, card acquiring, and payment terminals. The platform is designed to support SMEs globally, providing services like international transfers, FX services for 24+ currencies, and various payment methods (SWIFT, SEPA, US ACH, Faster Payments, DKK Payments). It aims to simplify business operations by consolidating all financial needs into a single platform.

• Features: Fast onboarding, top-grade security, low monthly fees, integrated invoicing module, local IBAN accounts, corporate cards, 24/7 support with a dedicated account manager.
• Pricing: Starter Plan - £49/month (billed annually), Business Plan - £99/month (billed annually), Enterprise Plan - Custom pricing (contact for details). Each plan includes features like business accounts, physical and virtual Mastercards, exchange between 24+ currencies, invoice module, local clearing options, Danish account and REG.NR., and a dedicated account manager.
• Testimonials: Users generally appreciate OneMoneyWay for its supportive staff and efficient service. Axel states, "OMW really deserve 5 stars. Immediate reaction and support throughout the process. Special mention for DENNI." On the other hand, Simon mentions, "Read the conditions carefully and disregard verbal promises. Verbally promised I could freeze the account, but was billed as soon as the account was created." For more testimonials, visit the OneMoneyWay 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 services and user-friendly interface. Whether you're a startup or an established business, OneSafe's seamless integration of fiat and cryptocurrency transactions, global payments, and robust security measures make it a compelling choice. While any of these options could serve your professional banking needs well, we recommend OneSafe if you're looking for an all-encompassing financial solution that simplifies complex tasks and supports modern business operations. Explore OneSafe and see how it can transform your financial management.