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 designed to provide secure, efficient, and compliant financial solutions for the crypto industry. Let's dive into what Januar does and then examine some other options available in the market.

Reviews

Users have shared a mix of positive and negative feedback about Januar. Many appreciate the platform's seamless payments and compliance with EU regulations, finding these features particularly helpful for their crypto business operations. However, some users have expressed frustration with the onboarding process, citing it as cumbersome and time-consuming. Additionally, there have been complaints about occasional delays in transaction processing, which can be a significant inconvenience for businesses relying on real-time settlements.

• "The compliance with EU regulations gives us peace of mind, knowing our transactions are secure and legal." - John D.
• "The onboarding process was more complicated than expected, which delayed our initial setup." - Sarah K.

For more detailed reviews, visit Januar Reviews.

Best alternatives to Januar

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 payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security measures.
• Account opening: Free, Minimum balance: $0, Monthly fees: None, Corporate cards: Included, Invoices: Included, US domestic payments: 0.1% fee, 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 to crypto conversion: Included.
• Users rave about OneSafe's exceptional customer support and game-changing solutions. They highlight its seamless USD to USDC conversion and the platform's ability to simplify payroll and expense management. 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 exchange rates with no hidden fees, instant spend notifications, and robust security features. The card is designed for ease of use, eliminating the need to carry cash or top up a separate account.

• Features: Direct link to existing bank account, no hidden fees, instant notifications, security features like Mastercard purchase protection and 2-factor authentication, environmental initiatives, flexible subscription plans, expert endorsements.
• Pricing: Essential Plan - subscription-free, 0.5% FX rate; Premium Plan - £25/year, 0% FX rate, additional benefits like car hire perks; Elite Plan - £120/year, 0% FX rate, luxury benefits including airport lounge access and travel concierge.
• Testimonials: Users generally praise Currensea for its ease of use and savings on FX fees. One user mentioned, "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." However, another user noted, "Only one time the system did not work but we had some cash for the small amount of the payment (USD)." For more detailed reviews, visit the Currensea Reviews page.

3. Everestcard

Everestcard is a modern neobank service designed for businesses, offering instant business accounts, multiple Mastercard credit cards, and automated expense management. It provides 100% online management, exclusive travel benefits, and a comprehensive suite of financial tools to streamline business operations.

• Features: Instant issuance of Mastercard credit cards, exclusive access to Mastercard® Airport Security Fast Track, 100% online management, modern expense management with digitalized receipts and real-time tracking, comprehensive financial tools including local IBAN and special offers for startups, seamless integration with a mobile app.
• Pricing: Monthly fee of 20 EUR, includes up to 5 virtual or plastic cards, additional cards cost 5 EUR each, pay monthly with the option to cancel anytime, includes expense management tools, unlimited transaction history, alerts and notifications, and access to Everest community deals.
• Testimonials: Users generally 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." Another user stated, "Do not trust this company. They are a bunch of frauds who steal peoples details and act like their processing your application!" For more detailed reviews, visit the Everestcard Reviews page.

4. Wallester

Wallester Business offers a comprehensive platform for managing corporate expenses through virtual and physical cards. The platform provides real-time expense control, instant card issuance, and integration with various financial management tools. It is designed to streamline corporate financial processes, enhance business efficiency, and provide detailed reporting and budget management.

• Features: Instant card issuance, real-time expense control, no setup or monthly fees, comprehensive API integration, detailed reporting, multi-currency support, award-winning platform.
• Pricing: The Free Package includes 300 virtual cards and unlimited physical cards with no monthly fees. The 3000 Virtual Cards Package costs €199 per month, and the 15000 Virtual Cards Package costs €999 per month. Additional virtual cards are available at €0.20/month per card for the 3000 package and €0.10/month per card for the 15000 package. Custom solutions are also available upon request.
• Testimonials: Users have mixed feelings about Wallester. One user praised the platform, stating, "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, another user expressed dissatisfaction, saying, "Bunch of scammers with terrible support. They will suspend your account and hold your money." For more detailed reviews, visit the Wallester Reviews page.

5. Credem

Credem Banca offers a wide range of banking services including current accounts, cards, loans, mortgages, and investment options. The bank emphasizes customer well-being, transparency, and simplicity in its offerings.

• Features: Wellbanking People, Sustainability, Innovation, Financial Education, Green Products, Customer Care, Digital Services.
• Pricing: The provided HTML content does not include specific pricing details for Credem's products or services. For pricing details, users would likely need to visit specific product pages or contact the bank directly through the provided contact methods.
• Testimonials: Users have mixed feelings about Credem. One user praised the bank, stating, "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, another user expressed dissatisfaction, saying, "My experience from the very beginning has been horrible. They were quick to respond when it came to having the paperwork signed and then everything went downhill." For more detailed reviews, visit the Credem Reviews page.

6. Soldo

Soldo is a spend management platform that combines pre-programmable, customizable cards with a powerful expense management system. It aims to liberate finance by empowering employees to spend responsibly and automating spend administration to increase efficiency and agility in business spending.

• Features: Customizable physical and virtual Mastercards®, comprehensive management platform, mobile app for tracking expenses and capturing receipts, seamless integration with financial systems like Xero and QuickBooks, real-time visibility into decentralized spending, enterprise-level security compliance, high ROI and quick payback period.
• Pricing: The Standard Plan costs €21 per month (excluding 20% VAT) and includes 3 users, 20 physical or virtual cards, and 20 outbound bank transfers per month. The Plus Plan costs €33 per month (excluding 20% VAT) and includes 3 users, 30 physical or virtual cards, and 30 outbound bank transfers per month. The Enterprise Plan offers a customizable solution for large organizations with unlimited users and cards; pricing is available upon request. Additional fees apply for card issuance and bank transfers.
• Testimonials: Users generally appreciate Soldo's ease of use and customer support. One user mentioned, "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." However, another user expressed frustration, stating, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now." For more detailed reviews, visit the Soldo Reviews page.

7. Fiducial Banque

FIDUCIAL Banque offers an online banking account specifically designed for professionals, starting at 12€ HT/month. The bank provides 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 (CB, cheques, SEPA transfers, international transfers, cash), full suite of banking services tailored for professionals, 24/7 availability, transparent pricing, 100% French bank, recognized as the best online bank for professionals in 2024, backed by the FIDUCIAL Group.
• Pricing: The pricing for a professional account at FIDUCIAL Banque starts at 12€ HT (excluding tax) per month, emphasizing affordability and transparency.
• Testimonials: Users have mixed feelings about FIDUCIAL Banque. One user praised the bank, stating, "Je suis personnellement très satisfait de cette banque. C’est la seule qui propose un conseiller dédié... Faites-vous votre propre opinion!" However, another user expressed dissatisfaction, saying, "Une bande d’escrocs Fabien Thomas un commercial pas honnête et vicieux qui ne tient nullement ses engagements." For more detailed reviews, visit the Fiducial Reviews page.

8. VIALET

VIALET Business Account offers a streamlined online onboarding process, budget control features, comprehensive transaction management, and enhanced reporting. It is designed to help businesses manage their finances easily and efficiently, with a focus on growth and security.

• 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 entire transaction history in one place, easy categorization, spending limits, real-time alerts, review complete transaction history, download and share detailed statements for accounting and invoicing, data-driven decision-making for business growth.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. Specific pricing details or plans are not provided on the webpage; users may need to sign up or contact VIALET directly for detailed information.
• Testimonials: Users generally appreciate VIALET for its professional and fast service. One user mentioned, "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." However, another user expressed dissatisfaction, stating, "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." For more detailed reviews, visit the VIALET Reviews 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, 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 in under 5 minutes, start accepting UK bank-to-bank transfers, international transfers, and card payments, create and send unlimited professional invoices for free, automatic categorisation of expenses, real-time tax insights, secure data sharing with accountants.
• Pricing: No subscription fees for the first 3 months. Monthly subscription fees are based on total monthly deposits: £3/month for £0 – £750 deposits, £9/month for £750 – £7,500 deposits, £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 customer support. 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, another user expressed frustration, stating, "For the 2nd time in a month acc has been blocked sent messages at 11a.m yesterday HAVE I HAD A MESSAGE BACK, NO 24 hours later Small business acc yes sure they don't care they leave you with no answer no way to phone them and no way to take payments all these good reviews wait till they block ur acc and see how good they are .. they need reported and am gonna do that as they give you no answer nothing its doesn't take 24 hours later to answer someone .....the trust is gone." For more detailed reviews, visit the Countingup Reviews 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 efficiency.

• Features: Free ordinary and instant transfers, simplified F24 payments, Tax Manager for tax estimation and savings, included micro-insurances, World Elite Mastercard with exclusive discounts, 7/7 technical support via WhatsApp, chat, and email, global free withdrawals, expense management tools, multi-platform access via app or computer.
• Pricing: Monthly fee of €2.90, annual fee of €34.80, no activation fee, free SEPA transfers, 10 free instant transfers per month (subsequent transfers cost €2 each), free cash withdrawals from ATMs in Italy and abroad, €2.00 cash recharge fee at authorized points, 1.5% exchange rate surcharge for foreign currency transactions.
• Testimonials: Users have mixed feelings about HYPE. One user praised the platform, stating, "Easy and intuitive to use, a lot of services available." However, another user expressed frustration, saying, "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." For more detailed reviews, visit the HYPE Reviews 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 comprehensive platform, exceptional customer support, and seamless integration of traditional and web3 financial operations. Whether you're a startup or an established business, OneSafe's user-friendly approach and robust security measures make it a compelling choice. However, it's essential to evaluate your specific requirements and preferences to find the best fit. Any of these options could serve your business well, but if you're looking for a reliable and innovative alternative, we recommend giving OneSafe a try.