Top 10 Alternatives to Januar

In this article, we will explore various alternatives to Januar, a financial services provider tailored for crypto businesses. Januar offers a range of products and services, including seamless payments, real-time fiat payments, secure crypto storage, and multi-exchange trading, all while ensuring compliance with regulatory standards.

Reviews

Users have shared a mix of positive and negative feedback about Januar. Many appreciate the seamless onboarding process and the robust compliance with EU regulations, which they find particularly helpful for maintaining operational integrity. The 24/7 availability and instant settlement features are also frequently praised. However, some users have expressed frustration with the occasional delays in customer support response times and the complexity of navigating the multi-exchange trading platform. Overall, while Januar's services are highly valued for their security and efficiency, there are areas where users feel improvements could be made.

• "The onboarding process was incredibly smooth and fast, making it easy to get started with our crypto transactions." - John D.
• "Navigating the multi-exchange trading platform can be quite complex and time-consuming." - Sarah K.

For more detailed reviews, visit Januar Reviews.

Best alternatives to Januar

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, designed to meet the unique needs of Web3 startups and tech companies.

• Features: Simple onboarding, global payments, corporate cards, 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 game-changing solutions. It simplifies payroll and expense management, making it an essential tool for Web3 companies. For more details, visit the OneSafe website.

2. 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 advanced security features. The card is highly rated by users and provides various plans to suit different travel needs.

• Features: Direct link to existing bank accounts, no hidden fees, real-time notifications, Mastercard purchase protection, 2-factor authentication, environmental contributions.
• Pricing: Essential Plan is subscription-free with a 0.5% FX rate; Premium Plan costs £25/year with a 0% FX rate and additional benefits; Elite Plan costs £120/year with a 0% FX rate, luxury travel perks, and worldwide airport lounge access.
• Testimonials: Users generally praise Currensea for its ease of use and cost savings. One user noted, "Setting it up was simple and it has been working perfectly abroad," while another mentioned, "Only one time the system did not work but we had some cash for the small amount of the payment (USD)." For more reviews, visit the Trustpilot page.

3. Everestcard

Everest offers a business account that can be opened instantly, providing multiple Mastercard credit cards and automated expense management. The service is designed for businesses aiming for growth, offering 100% online management, modern expense management tools, and exclusive travel benefits like access to Mastercard® Airport Security Fast Track.

• Features: Instant issuance of multiple Mastercard credit cards, exclusive access to Mastercard® Airport Security Fast Track, 100% online management of accounts and expenses, modern expense management with features like digital receipt uploads and real-time expense tracking, simple and transparent pricing plan (20€ / month, additional cards 5€), full control via an online dashboard and web app, special offers for startups and founders, individual credit lines for business expenses, mobile app for managing finances on the go.
• Pricing: Monthly subscription cost is 20 EUR/month, pay monthly with the option to cancel anytime, includes up to 5 virtual or plastic cards, expense management tools, unlimited transaction history, alerts and notifications, Everest community deals, standard and express card delivery within Europe, business account and real-time transactions/account notifications, card freeze/unfreeze, spending limits, team member permissions, contactless payments, PIN code change, easy onboarding, top-up, credit line (subject to approval), credit limits split per card/user, EURO card transactions, security features like configuring cards for online/contactless payments, access secured by one-time password, flexible card spending controls, email support, exclusive offers for traveling and community deals, upcoming features like SEPA Direct debit, OCR of receipt, e-commerce/POS payment acceptance, invoicing platform.
• Testimonials: Users have mixed feelings about the Everestcard. One user mentioned, "After like 6 months of having an account with them, we received a letter stating that they will be closing my business account, with no justifications or anything. Turns out they don't support the industry my business is in (dating application), yet it took them 6 months to realize this! They should have rejected us at the start, instead of 6 months later." Another user expressed frustration, stating, "Do not trust this company. They are a bunch of frauds who steal peoples details and act like they're processing your application!" For more reviews, visit the Trustpilot page.

4. Wallester

Wallester Business offers a comprehensive platform for managing corporate expenses through virtual and physical cards. It provides real-time expense control, instant card issuance, and detailed financial reporting. The platform is designed to streamline financial processes, making it ideal for media buying and other corporate spending needs. Wallester Business is recognized for its innovative solutions and has received awards for its expense management capabilities.

• Features: No setup or monthly fees, instant card issuance, real-time expense control, comprehensive API integration, award-winning platform, multi-currency support, detailed reporting and budget management.
• Pricing: The Free Package includes 300 virtual cards, unlimited physical cards issuance, unlimited number of users, real-time support, open developer API, and onboarding assistance at €0 per month. The 3000 Virtual Cards Package costs €199 per month with additional virtual cards at €0.20/month per card. The 15000 Virtual Cards Package costs €999 per month with additional virtual cards at €0.10/month per card. Custom solutions are available upon contacting Wallester.
• Testimonials: Users generally praise Wallester for its efficient service and user-friendly platform. One user noted, "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." However, not all feedback is positive. Another user expressed frustration, stating, "Bunch of scammers with terrible support. They will suspend your account and hold your money." For more reviews, visit the Trustpilot page.

5. Credem

Credem Banca offers a comprehensive range of financial products and services, including current accounts, cards, loans, mortgages, and investments. The bank emphasizes customer well-being, sustainability, and innovation, providing solutions for both personal and business banking needs.

• Features: Wellbanking People, sustainability focus with products like the Green Mortgage, innovative banking solutions, comprehensive support and security measures, specialized service model for creating value and well-being for families and businesses.
• Pricing: The pricing details for Credem's products and services are not explicitly listed on the contact page. For specific pricing information, users are encouraged to visit the relevant product pages or contact the bank directly through the provided contact methods.
• Testimonials: Users have mixed feelings about Credem. One positive comment from Steve Smith states, "I have found both the products and service of the branch at Citadella Del Capo as nothing but very good. The whole approach is courteous and professional." On the other hand, a negative comment from Joseph Nkoro highlights issues of discrimination, stating, "Credem is one out of the many banks in Italy that discriminates against international students." For more reviews, visit the Trustpilot page.

6. Soldo

Soldo is a spend management platform that simplifies business spending by providing physical and virtual Mastercards, a management platform, and a mobile app for tracking expenses and capturing receipts.

• Features: Customisable cards, expense management platform, seamless integration with popular accounting software, high-level security compliance, proven economic impact.
• Pricing: The Enterprise Plan offers a customizable solution for large organizations with unlimited features and requires contacting Soldo for a custom quote. The Plus Plan costs €33 per month (excluding 20% VAT) and includes 3 users, 30 physical or virtual cards, and advanced features. The Standard Plan costs €21 per month (excluding 20% VAT) and includes 3 users, 20 physical or virtual cards, and standard features. Additional fees apply for card issuance, user additions, and bank transfers.
• Testimonials: Users generally praise Soldo for its helpful customer support 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, "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 reviews, visit the Trustpilot page.

7. Fiducial Banque

FIDUCIAL Banque offers an online banking account specifically designed for professionals, starting at 12€ HT/month. The service includes a dedicated advisor from the account opening, a wide range of banking services, and 24/7 availability through an online client space and mobile application.

• Features: Dedicated advisor, banking license from ACPR, comprehensive payment methods including CB, cheques, SEPA transfers, international transfers, and cash, full range of services like placements and financing, 100% French-based services, transparent pricing, recognized as the best online bank for professionals in 2024, integration with FIDUCIAL Group's expertise.
• Pricing: The professional account starts at 12€ HT/month.
• Testimonials: Users have mixed feelings about FIDUCIAL Banque. One positive comment from SOleil Or states, "Je suis personnellement très satisfait de cette banque. C’est la seule qui propose un conseiller dédié... Faites-vous votre propre opinion!" On the other hand, a negative comment from SAS AVACOM warns, "Attention !!! belle arnaque !!!... Conclusion : Si vous cherche une banque pas chère avec des délais anormalement long et du personnel peu compétant foncer !!!" For more reviews, visit the Trustpilot page.

8. VIALET

VIALET offers a Business Account that simplifies money management for businesses. The account can be applied for online and set up within 3 business days. It is designed to cater to businesses of all sizes, providing seamless banking and payment solutions, budget control features, comprehensive transaction management, and enhanced reporting capabilities.

• Features: Online onboarding without branch visits or physical documents, remote ID verification and electronic signing, access to payment, money transfer, and account services across Europe, set and adjust monthly and annual spending limits, view and manage transaction history, expenses, transfers, and invoices in one place, detailed transaction history and downloadable statements for accounting and invoicing, fast and easy account opening process, PSD2 compliant security standards, personalized support from account managers, customizable services for startups and global businesses.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. Specific pricing details or fee structures are not provided on the webpage. For detailed pricing information, users may need to sign up or contact VIALET directly.
• Testimonials: Users generally appreciate VIALET for its professional and fast service. One positive comment states, "Vialet is everything that it should be. They are professional, kind, and fast. Everyone there is so welcoming and they really make you feel like an important person." - Emilė Barakauskaitė. However, some users have had negative experiences, such as, "The ultimate scam. Should have received 3 wire transfers they never arrived, the days that I should have received the money the account was unavailable the day after was back working normally but with no money inside..stay away from them they will scam you" - Cheikh. For more reviews, visit the Trustpilot page.

9. 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, start accepting payments immediately, create and send invoices, and manage bookkeeping and taxes with ease. The service is trusted by over 50,000 UK businesses and is backed by ING & Sage.

• Features: Quick account setup, payment acceptance via UK bank-to-bank transfers, international transfers, and card payments, create and send unlimited professional invoices for free with payment alerts, automatic categorization of expenses, real-time tax insights, secure data sharing with accountants.
• Pricing: Free 3-month trial, followed by a monthly subscription fee based on total monthly deposits: £3/month for deposits £0 – £750, £9/month for deposits £750 – £7,500, £18/month for unlimited deposits. Additional transaction fees include 30p for account transfers and direct debits, 3% for foreign transactions, £1 for ATM withdrawals, 0.5% (minimum £2) for Post Office cash loads, 3% for PayPoint cash loads, and £5 for replacement cards.
• Testimonials: Users generally appreciate Countingup for its ease of use and efficient customer service. One positive comment states, "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." - Rian Cojocnean. However, some users have faced issues, such as, "For the 2nd time in a month acc has been blocked... they leave you with no answer no way to phone them and no way to take payments." - e.g. toal. For more reviews, visit the Trustpilot page.

10. Hype

HYPE Business is an online business account tailored for sole proprietorships and freelancers with a VAT number. It offers a range of features designed to simplify financial management and enhance business operations.

• Features: Free ordinary and instant transfers, simplified F24 payments, Tax Manager for tax estimation and saving, included micro-insurances, World Elite Mastercard, 7/7 customer support, global free withdrawals, expense management tools like Radar, promotional offer to waive the monthly fee by meeting a minimum payment threshold.
• Pricing: The HYPE Business account costs €2.90 per month with no activation fees. The annual fee is €34.80. Included services are free cash withdrawals in Euro, ordinary SEPA transfers, and 10 instant SEPA transfers per month. Additional instant transfers cost €2 each. Other fees include €2.00 for cash recharges at authorized points, €1.99 for blank bills, and a 1.5% surcharge on foreign currency transactions.
• Testimonials: Users have mixed feelings about HYPE. One positive comment from Roberto Cardoni states, "Easy and intuitive to use, a lot of services available." On the other hand, Paola Maffei shared a negative experience, "I ve received my 1st transfer to my Hype account and only then found out that my account had been blocked. It is not clear from mobile banking, I did not even receive an email from Hype that my bank account is blocked. Now my money is blocked in my Hype account and I do not know how long I have to wait until it is returned to me. Worst experience." For more reviews, visit the Trustpilot page.

Which one should you go with?

In conclusion, while each of these financial service providers offers unique features and benefits tailored to various business needs, OneSafe stands out for its exceptional customer support, comprehensive account services, and seamless integration of traditional and Web3 financial solutions. Whether you're a startup or an established company, OneSafe's user-friendly platform and transparent pricing make it a compelling choice. However, all the alternatives mentioned have their strengths and could be the right fit depending on your specific requirements. If you're looking for a reliable and innovative financial partner, we highly recommend giving OneSafe a try.