Top 10 Alternatives to Finom

Finom is a fintech company that provides business accounts with cashback, invoicing, and accounting tools. This article will explore various alternatives to Finom, highlighting their features and benefits to help you make an informed decision.

Reviews

Users have shared a mix of positive and negative feedback about Finom. Many appreciate the platform's ease of use, quick account setup, and efficient invoicing tools. Customers have found the cashback feature and personal assistance particularly helpful. However, some users have expressed frustration with occasional technical issues and customer service response times. Overall, while Finom is praised for its innovative features, there are areas where users feel improvements could be made.

• "The account setup was incredibly fast and the invoicing tools are a game-changer for my business." - John D.
• "Customer service response times can be slow, which is frustrating when you need immediate assistance." - Sarah K.

For more detailed reviews, visit Trustpilot.

Best alternatives to Finom

1. OneSafe

OneSafe is a financial technology company offering a blend of traditional and web3 financial services. It provides comprehensive account services tailored for companies that operate both in fiat and cryptocurrencies. The platform supports seamless integration of fiat and cryptocurrency transactions, making it ideal for modern financial operations.

• Features: Simple onboarding, global payments, corporate cards, customizable controls, multi-currency support, global accounts, seamless payments, state-of-the-art security.
• 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 innovative solutions. According to OneSafe, it has revolutionized payroll and banking processes for Web3 organizations, making it an essential tool for modern businesses.

2. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies. It provides significant cost savings on international transfers, transparent fees, and a multi-currency debit card. Wise is regulated by the Financial Conduct Authority (FCA) and serves millions of customers worldwide.

• Features: Multi-currency account, cost savings on international transfers, transparent fees, Wise debit card, regulation by the FCA, high Trustpilot ratings, business services, interest on GBP balances.
• Pricing: Registering with Wise is free, sending money fees start from 0.29%, holding money in 40+ currencies is free, receiving local payments is free, receiving USD wire and Swift payments costs $6.11 USD, receiving CAD Swift payments costs $10 CAD, receiving Swift payments in 21 currencies is free (correspondent banks might charge fees).
• Testimonials: Users generally appreciate the multi-currency management and ease of use abroad. 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 have criticized the customer support, with one stating, "Customer Support is the worst among all the products that I used, they're just incompetent." For more detailed reviews, visit G2.

3. Brex

Brex is a financial technology company that provides modern financial tools for businesses, including corporate credit cards, expense management, business banking, bill pay, and travel management. Their services are designed to help companies control spending, automate financial tasks, and maximize their financial resources globally.

• Features: AI-powered automation, high-yield business accounts, global reach, real-time tracking, comprehensive financial tools, ERP integrations, vendor-specific cards, compliance and security.
• Pricing: Essentials Plan: $0 user/month, Premium Plan: $12 user/month, Enterprise Plan: Custom pricing, Smart Card: Custom pricing.
• Testimonials: Users generally appreciate the ease of use and comprehensive features. One user mentioned, "Brex is really easy to use, and covers all of our needs." However, some users have noted issues with specific features, such as the travel assistant booking software, with one stating, "Honestly, I don't love the travel assistant booking software. It's OK, but a salesforce can easily rack up $20 fees if they don't book travel correctly." For more detailed reviews, visit G2.

4. Propulse by CA

Propulse by CA is a 100% online professional account service provided by Crédit Agricole. It offers a comprehensive solution for entrepreneurs, including a professional payment account, business creation support, and various tools and resources to manage and grow their business.

• Features: Fully online professional payment account, quick setup in less than 5 minutes, affordable pricing starting at 8 € HT/month, high payment limits up to 40,000 €/month, integrated invoicing tools, automatic income declarations to Urssaf, Visa Business card included, comprehensive support with guides and articles.
• Pricing: The service starts at 8 € HT/month with no commitment, and the first month is free. Additional fees may apply for specific services, but the core offering is designed to be affordable for entrepreneurs.
• Testimonials: Users generally appreciate the ease of use and helpful features of Propulse by CA. One positive comment states, "Change la vie" (Life-changing), while a negative comment mentions, "Frankly, a 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.

5. Soldo

Soldo is a spend management platform that helps businesses manage their spending and expenses efficiently. It offers physical and virtual Mastercards, a management platform for overseeing company spending, a mobile app for tracking expenses and capturing receipts, and integrations with various financial systems.

• Features: Pre-programmable and customizable cards, powerful expense management platform, integrations with financial systems like Xero and QuickBooks, real-time insights, enterprise-level security, automated spend administration, customizable solutions.
• Pricing: Enterprise Plan: Contact Soldo for pricing details, Plus Plan: 33€ per month (excluding 20% VAT), Standard Plan: 21€ per month (excluding 20% VAT). Additional fees include €5 issuance fee per physical card, €1 per virtual card, €0.50 per temporary virtual card, €7 per Standard user per month, €11 per Plus user per month, €0.75 per outbound bank transfer, 1% FX fee, and 1% ATM fee with a minimum of €2.
• Testimonials: Users generally appreciate Soldo's excellent customer service and ease of use. One positive comment states, "The most important thing for me is that if I am unsure of anything or having a senior moment the online advisors are always so helpful and explain things in a clear and easy to understand way. It has always been a pleasure contacting them." - Gina Ansell. However, some users have faced issues, such as one who mentioned, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now. Please take into account this experience. Unfortunately, we are preparing for court hearing." - Alexander Nosic. For more detailed reviews, visit Trustpilot.

6. Moss

Moss is a spend management solution that offers real-time tracking of budgets, employee card management, receipt management, and month-end closing processes. It aims to reduce paperwork, enhance control over spending, speed up month-end processes, and improve reporting accuracy.

• Features: Employee cards with adaptable limits and custom approval policies, effortless receipt capture via app or auto-fetch through email integrations, real-time view of card spend, automatic categorization, integration with leading accounting software, end-to-end security, privacy by design, compliance with GDPR and other regulations.
• Pricing: Moss Starter is free and includes up to 3 users, unlimited virtual debit cards, 1 physical card per user, web and mobile app access, and standard accounting integrations. Custom packages are available with modular pricing based on selected spend modules and add-ons, including corporate cards, employee reimbursements, accounts payable, advanced controlling, advanced accounting, procurement, and ERP.
• Testimonials: Users generally appreciate Moss for its user-friendliness and efficiency. One positive comment states, "Moss is a great financial tool for companies looking for an uncomplicated, straightforward solution with great customer support." - Farida Fouad. However, some users have faced issues, such as one who mentioned, "It worked really well at first...until their recent make-over update. The website layout is no longer user-friendly, and the customer care team is unresponsive." - Pow. For more detailed reviews, visit Trustpilot.

7. Axos Bank

Axos Bank offers digital business banking solutions designed to provide security, ease, and efficiency with minimal fees. Their services cater to both small businesses and commercial entities, offering tailored checking accounts, business services, and comprehensive commercial solutions.

• Features: Digital business accounts, specialized services for small businesses and commercial entities, comprehensive commercial solutions, financial tools and resources, Axos ONE bundled account, Axos FundFinder+ research tool, all-in-one mobile app.
• 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 as a limited-time offer. Business banking emphasizes digital accounts with minimal fees, and savings accounts offer high yield rates.
• Testimonials: Users generally appreciate the competitive rates and dedicated customer service. One positive comment states, "Great service and they really care about your business-I'd highly recommend!" - DW. However, some users have faced issues, such as one who mentioned, "They set me up with an account after I added funds they locked the account. 2 years later I never got my money." - Alissa. For more detailed reviews, visit Trustpilot.

8. RelayFi

Relay is a financial technology company offering online business banking services. It provides small businesses with tools to manage their earnings, spending, and savings efficiently. Relay 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. Relay emphasizes 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 and 2 savings accounts with 1.00%-3.00% APY, physical and virtual cards for business owners and their teams, credit cards offering 1.5% cash back, supports payments via ACH transfer, wire, and check, seamless integration with QuickBooks Online and Xero, capture and store receipts, role-based user permissions, official banking platform for Profit First Professionals, FDIC insurance up to $3M, Visa® Zero Liability Protection, two-factor authentication, and biometric security.
• Pricing: Relay offers a basic plan with no monthly fee, including essential business banking features. The Relay Pro plan starts at $30 per business per month, offering additional features like faster ACH, free outgoing wires, auto-import bills from QuickBooks Online or Xero, and multi-step approval rules for bill payments. Accountants and bookkeepers can also access Relay Pro for $30 per client per month, with a 15% discount for onboarding clients to Relay.
• Testimonials: Users generally appreciate Relay for its ease of use and customer service. One positive comment states, "No joke, the best customer service experience I have had in life to date. I'd take someone with half of her effort any day of the week. She went above and beyond." - Adam Harmon. However, some users have faced issues, such as one who mentioned, "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." - Chuck Lu. For more detailed reviews, visit Trustpilot.

9. Tide Bank

Tide offers a smart business bank account with no monthly fees, providing features like simple payment solutions, built-in accounting, and a savings account with 4.07% AER variable interest. The account can be opened in minutes, and it includes personalized invoicing, business savings, simple accounting, security, and 24/7 support.

• Features: No monthly fees, personalized invoicing, business savings with 4.07% AER variable interest, simple accounting, 24/7 support, payment links, auto-categorisation, direct debit management, Apple/Google Pay, international payments, CSV exports.
• Pricing: Tide offers a free business current account with no monthly fees. Users only pay for what they use, with low transaction and ATM fees. Additional plans such as Plus, Pro, and Cashback accounts are available with different features and pricing.
• Testimonials: Users generally appreciate the fast account setup and helpful customer service. One positive comment states, "A super fast track way of starting a business account in one day." - Jason K. However, some users have faced issues, such as one who mentioned, "Terrible experience. Paused our account without warning." - Alex. For more detailed reviews, visit Trustpilot.

10. 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 notifications, no hidden fees, and various security features.

• Features: Direct link to existing bank account, no hidden fees, real-time exchange rates, instant spend notifications, Mastercard purchase protection, card freezing, 2-factor authentication, environmental contributions.
• Pricing: Essential Plan: Subscription-free, 0.5% FX rate on spending and money transfers, 0.5% FX rate on ATM withdrawals (2% rate over £500/month). Premium Plan: £25/year, 0% FX rate on spending, 0.5% FX rate on money transfers, fee-free ATM withdrawals (1% rate over £500/month). Elite Plan: £120/year, 0% FX rate on spending, 0.5% FX rate on money transfers, fee-free ATM withdrawals (1% rate over £750/month).
• Testimonials: Users generally appreciate the ease of use and excellent exchange rates. One positive comment states, "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." - IAG. However, some users have faced issues, such as one who mentioned, "Only one time the system did not work but we had some cash for the small amount of the payment (USD)." - Paul. For more detailed reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these financial technology solutions offers unique features and benefits, OneSafe stands out for its seamless integration of fiat and cryptocurrency transactions, exceptional customer support, and innovative solutions tailored for modern businesses. Whether you're looking for comprehensive account services, spend management, or international banking, any of these options could be a great fit. However, if you're seeking a versatile platform that bridges traditional and web3 financial services with ease, we recommend giving OneSafe a try. It could be the perfect alternative to meet your evolving financial needs.