Top 10 Alternatives to Moss

In this article, we will explore various alternatives to Moss, a spend management solution designed for modern small and medium-sized business (SMB) finance teams. Moss offers features like tailored spend workflows, real-time tracking, and seamless integration with accounting software, providing efficiency and control over company spending.

Reviews

Users have shared a mix of positive and negative feedback about Moss. Many appreciate the platform's ability to consolidate expenses, cards, and invoices, which has streamlined their processes and increased the rate of receipt uploads. Positive reviews highlight significant time savings, improved efficiency, and better control over expenses. However, some users have expressed frustrations with certain aspects of the service. Common complaints include issues with delayed month-end processes and occasional difficulties in navigating the interface. Despite these drawbacks, the overall sentiment remains favorable, with many users finding the real-time tracking and automatic categorization features particularly helpful.

• "Moss has saved us one day per month and helped us reclaim £30k in VAT due to fewer lost receipts." - John D.
• "The real-time tracking and control over card spend have been game-changers for our finance team." - Sarah L.

For more detailed reviews, visit Moss Reviews.

Best alternatives to Moss

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.

• Features: Simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security measures.
• 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. Kontist

Kontist offers a comprehensive business banking solution for self-employed individuals in Germany. It combines a business bank account with automated bookkeeping and business tax return services, all accessible through a single app. The service aims to simplify financial management, allowing users to focus on their business.

• Unique Features: All-in-One App, Automatic Tax Calculation, AI-Supported Bookkeeping, Real-Time Financial Insights, Mobile & Web Banking, Visa Business Debit Card, Integration with Apple Pay & Google Pay, Invoicing Tool, Easy Receipt Management, Advance VAT Returns, Compatibility with Tax Advisers.
• Pricing: Kontist offers three plans: Free Plan (€0/month plus VAT, with conditions), Premium Plan (€9/month plus VAT), and Bookkeeping Plan (€29/month plus VAT). The Free Plan includes a virtual Visa Debit card and 10 free transactions per month. The Premium Plan adds a physical Visa Debit card, automatic tax calculations, and unlimited invoices. The Bookkeeping Plan includes all Premium features plus unlimited transactions, advance VAT returns, and AI-supported bookkeeping.
• Testimonials: Users generally appreciate Kontist for its ease of managing finances and avoiding tax surprises. One positive comment from Veronica states, "Using this service has been a game-changer—bookkeeping is a breeze, all my accounting questions get answered, no more fears about errors in my number crunching." On the other hand, Tanya criticizes the tax service as "extremely overpriced and totally not recommended," highlighting minimal service for a high monthly cost. For more detailed reviews, visit Trustpilot.

3. Credem

Credem Banca offers a comprehensive range of banking products and services for individuals, families, businesses, and professionals. These include current accounts, credit and debit cards, loans, mortgages, savings and investment options, insurance, and online banking services. The bank emphasizes customer well-being, financial education, and sustainable practices.

• Unique Features: Wellbanking People, Green Transition Services, Financial Wellbanker, Innovative Solutions, Customer-Centric Approach.
• Pricing: Credem offers a variety of pricing options tailored to different customer needs. For detailed pricing information, users are encouraged to explore the Credem website or contact the bank directly through the provided channels.
• Testimonials: Users have mixed feelings about Credem. Steve Smith praises the bank, stating, "I have found both the products and service of the branch at Citadella Del Capo as nothing but very good." On the other hand, Dan Racioppa shares a negative experience, saying, "My experience from the very beginning has been horrible." For more detailed reviews, visit Trustpilot.

4. 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.

• Unique Features: Digital business accounts, specialized services for small businesses and commercial clients, comprehensive commercial solutions, educational resources, Axos ONE bundled account, Axos FundFinder+ research tool, all-in-one mobile app.
• Pricing: Minimal fees, up to 4.86% APY on savings with Axos ONE, up to 0.51% APY on checking, no maintenance fees, $0 lender fee on home loans, high yield savings and money market accounts.
• Testimonials: Users generally appreciate the great service and small business products, with one user highlighting the dedicated relationship manager and free checking account. However, some users have had negative experiences, such as account issues and difficulties retrieving funds. For more detailed reviews, visit Trustpilot.

5. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies with low fees and transparent pricing. The service is designed for individuals and businesses who need to move money across borders efficiently and cost-effectively.

• Unique Features: Multi-currency account, low fees on international transfers, Wise debit card for spending and withdrawing cash worldwide, guaranteed exchange rates, regulated by the Financial Conduct Authority (FCA), high customer satisfaction, robust security measures, international business accounts, interest on balances.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, depending on the currency. Holding money in over 40 currencies is free. Receiving local payments in specific currencies is free, while receiving USD wire and Swift payments costs $6.11 USD per payment, and CAD Swift payments cost 10 CAD per payment.
• Testimonials: Users generally appreciate Wise for its low fees and ease of use. One positive comment from Agustina W. states, "It has the lowest fees. Trust me, I've tried a lot and this one is the most reasonable one when it comes to fees." On the other hand, a negative comment from a verified user in Information Technology and Services mentions, "Customer Support is the worst among all the products that I used, they're just incompetent." For more detailed reviews, visit G2.

6. Propulse by CA

Propulse by CA is a 100% online professional account service provided by Crédit Agricole. It offers a comprehensive suite of tools and resources to support entrepreneurs in managing their business finances efficiently.

• Unique 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 € per month, integrated tools for creating invoices and automatic URSSAF declarations, over 1500 articles and guides to support entrepreneurs.
• Pricing: The service starts at 8 € HT/month with no commitment and the first month free. Payment limits are up to 40,000 € per month, and the account setup is quick, taking less than 5 minutes.
• Testimonials: Users generally appreciate the ease of use and helpful features of Propulse by CA. One positive comment from Theo S. states, "Customer service is attentive. Top-notch easy applications." On the other hand, Mathieu P. mentions, "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.

7. Countingup

Countingup is a business account service tailored for self-employed individuals and small businesses in the UK. It offers a quick and easy application process, allowing users to open an account in under 5 minutes.

• Unique Features: Quick application process, accept UK bank-to-bank transfers, international transfers, and card payments, create and send unlimited professional invoices for free with payment alerts, automatic categorisation of expenses, real-time tax insights, secure data sharing with accountants.
• Pricing: No subscription fees for the first 3 months. After the trial period, the subscription fees are £3/month for deposits between £0 – £750, £9/month for deposits between £750 – £7,500, and £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 for its ease of use and comprehensive features. One positive comment from Rian Cojocnean 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." On the other hand, a negative comment from AD mentions, "Old Fashioned and Slow App Interface. I have had this account for around 4 years. In some ways it's great handy to be able to attach pictures of receipts. Being able to share with my Accountant is great. They still don't have a search function so you can't search for a transaction by name." For more detailed reviews, visit Trustpilot.

8. Tide Bank

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

• Unique Features: £0/month with low transaction and ATM fees, personalized invoicing, business savings with 4.07% AER variable interest, simple accounting integration, 24/7 account monitoring, 24/7 support, payment links, auto-categorization of income and spending, direct debit management, Apple/Google Pay setup, 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 features and services may incur separate charges, which are detailed on the Tide website.
• Testimonials: Users generally appreciate the ease and speed of opening an account with Tide. One positive comment from Jason K. states, "A super fast track way of starting a business account in one day." On the other hand, a negative comment from Alex mentions, "Terrible experience. Paused our account without warning, after nearly two weeks of having no access to our money they emailed saying they are closing the account." For more detailed reviews, visit Trustpilot.

9. Blank

Blank is an online banking service designed for independent professionals and small businesses in France. It offers a range of features including online account management, payment solutions, invoicing, professional insurance, and automated Urssaf declarations.

• Unique Features: Online professional account opening in 5 minutes, Visa Business card with high limits, automated Urssaf declarations, customizable invoices and quotes from a smartphone, 7-day customer service, comprehensive insurance solutions, high security with 3D Secure, regulatory compliance with ACPR authorization and deposits guaranteed up to €100,000 by the FGDR.
• Pricing: The pricing details are accessible through the Blank website, where users can discover various offers tailored to their needs. Specific pricing information is not explicitly listed on the contact page but can be found under the "Nos tarifs" section.
• Testimonials: Users generally appreciate Blank for its simplicity and efficiency. One positive comment from TACOS TIME states, "I am using the app since 3 months, and it is amazing app… all the works done with it ✅." On the other hand, a negative comment from Jerome Marzeliere mentions, "Ces une banque de voleur attention il bloque les virements entant pendant plus de un mois ou les refuse attention." For more detailed reviews, visit Trustpilot.

10. Finom

Finom offers a business account with features like cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration. The account can be opened online and provides benefits such as a German IBAN in 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, personal assistance in 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, accounting software integrations, support for companies under registration.
• Pricing: The Corporate Plan starts at €149 per month (excl. VAT) or €119 per month if paid annually. The Enterprise Plan starts at €339 per month (excl. VAT) or €249 per month if paid annually. Additional fees include €15 for extra team members, €5 for outgoing international payments, and various other service fees.
• Testimonials: Users generally appreciate Finom for its customer-friendly service and fast support. One positive comment from 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." On the other hand, a negative comment from 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 detailed reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these financial platforms offers unique features and benefits tailored to different business needs, OneSafe stands out as a particularly strong alternative. Its comprehensive suite of services, including global payments, corporate cards, and seamless integration of traditional and Web3 financial operations, makes it an excellent choice for startups and businesses. With exceptional customer support and game-changing solutions, OneSafe simplifies payroll and expense management, making it an essential tool for modern companies. Whether you choose OneSafe or another platform, you can be confident in finding a solution that fits your business needs.