Top 10 Alternatives to Moss

In this article, we will explore various alternatives to Moss, a spend management solution designed to help companies manage their expenses more efficiently. Moss offers a range of features including tailored spend workflows, employee cards, receipt management, and seamless month-end closing. Let's dive into what Moss does and then examine some of the best alternatives available.

Reviews

Users have shared a mix of positive and negative feedback about Moss. Many appreciate the platform's efficiency in consolidating expenses, cards, and invoices, which has streamlined their financial processes. The ease of uploading receipts and the ability to reclaim VAT were also highlighted as significant benefits. However, some users found the initial setup and integration process frustrating, and a few mentioned occasional glitches in the software. Overall, while Moss has been praised for improving financial visibility and control, some users have experienced challenges that impacted their overall satisfaction.

• "Having expenses, cards, and invoices all in one place has made it more efficient instead of using 3-4 different softwares." - Tori Griffith
• "Our credit card process was atrocious and delayed our month end… now we save 1 day per month thanks to streamlined processes." - Anonymous

For more detailed reviews, visit Moss Reviews.

Best alternatives to Moss

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 operating in both fiat and cryptocurrencies.

• Unique Features: Simple onboarding, global payments, corporate cards with spend limits, multi-currency support, global accounts, seamless payments, state-of-the-art security measures, quick onboarding.
• Pricing: Account opening is free, no minimum balance, no monthly fees, corporate cards and invoices included. Money movement fees: US domestic payments at 0.1%, SEPA payments at 0.2%, international wires at 0.2% + $25 Swift, Fedwire at $20, FX fee on corporate cards at 1%, USDT transactions at 0.1%, fiat to crypto conversion included.
• Users have praised OneSafe for its exceptional customer support, seamless USD to USDC conversion on Polygon, and its ability to simplify payroll and expense management. For more details, visit the OneSafe website.

2. Kontist

Kontist offers a comprehensive business banking solution for self-employed individuals in Germany. The service includes a business bank account, automated bookkeeping, and business tax returns, all managed through a single app.

• Unique Features: All-in-one app combining banking, bookkeeping, and tax return services, automatic tax calculation, AI-supported bookkeeping, real-time bank transfers, mobile & web banking, Visa Business Debit Card, integration with Apple Pay & Google Pay, invoicing tool, advance VAT returns, tax return preparation.
• Pricing: Free Plan at €0 per month plus VAT (conditions apply), Premium Plan at €9 per month plus VAT, Bookkeeping Plan at €29 per month plus VAT.
• Testimonials: Users generally appreciate the ease of use and comprehensive financial management offered by Kontist. One user mentioned, "No More Dreading Dealing with German Taxes. Bookkeeping is a breeze, and customer service is excellent." However, another user criticized the tax service, stating, "Their tax service is extremely overpriced and totally not recommended!" For more detailed reviews, visit the Kontist Reviews page.

3. 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, providing simple and transparent solutions tailored to individual and business needs.

• Unique Features: Wellbanking People, Green Transition Support, Financial Wellbanker, Innovative Digital Solutions, Customer-Centric Approach.
• 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 navigate to the relevant product pages or contact Credem directly through their 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, Joseph Nkoro shares a negative experience, "Credem is one out of the many banks in Italy that discriminates against international students. This was the height of racism even to think that we are masters students in our second year in Italy is the killing part." For more detailed reviews, visit the Credem Reviews page.

4. Axos Bank

Axos Bank offers a range of business banking services designed to provide security, ease, and efficiency with minimal fees. Their digital business accounts cater to both small businesses and large commercial entities, offering tailored solutions such as checking and savings accounts, commercial lending, and treasury management.

• Unique Features: Axos FundFinder+, Axos ONE, digital banking solutions, specialized commercial solutions, educational resources.
• Pricing: Up to 4.86% APY on savings, up to 0.51% APY on checking, no maintenance fees, $0 lender fee on home loans (limited time offer).
• Testimonials: Users have mixed feelings about Axos Bank. 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%... Great service and they really care about your business-I'd highly recommend!" On the other hand, Alissa shares a negative experience, "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. Horrible company." For more detailed reviews, visit the Trustpilot page.

5. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies. It is designed to save users money on international transfers by offering low fees and transparent exchange rates. The service is used by millions of people worldwide for personal and business purposes.

• Unique Features: Multi-currency account, low fees, Wise card, interest-earning, global account details, security, customer trust, business solutions.
• Pricing: Registering with Wise is free. Sending money fees start from 0.29% and vary by currency. Holding money in over 40 currencies is free. Receiving money is free for local payments and account details in 23 currencies, with a $6.11 USD fee for USD wire and Swift payments, and a 10 CAD fee for CAD Swift payments. Receiving Swift payments in 21 currencies is free, though correspondent banks might charge fees.
• Testimonials: Users generally appreciate the ease of use, low fees, and quick transfers. One positive comment states, "Wise business transfers from one currency to the other are instant, local payments on USD to USD are quick as well as payments local GBP to GBP." - Lazaros D. However, a negative comment highlights issues with customer support: "Customer Support is the worst among all the products that I used, they're just incompetent. I used Wise for the past 3 years as Personal and Business Account." - Verified User in Information Technology and Services. For more detailed reviews, visit the Wise Business Reviews page.

6. 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 efficiently.

• Unique Features: Fully online professional payment account, quick setup in less than 5 minutes, starting at 8 € HT/month with no commitment and the first month free, payment limits up to 40,000 €/month, integrated tools for creating invoices and managing expenses, automatic income declarations to Urssaf, free online business plan tool with automatic financial calculations, over 1500 articles and guides for business support.
• Pricing: The Propulse account starts at 8 € HT per month with no commitment, and the first month is free. Payment limits are up to 40,000 € per month.
• Testimonials: Users generally appreciate the simplicity and efficiency of Propulse by CA. One positive comment states, "Change la vie" (Life-changing) - Wassim Y. However, a negative comment highlights, "Frankly great application but it's a shame that instant transfers are not available and sending invoices or quotes from the application." - Mathieu P. For more detailed reviews, visit the Propulse by CA Reviews page.

7. Countingup

Countingup is 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 offers a mobile app available on the App Store and Google Play.

• Unique 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 categorization 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, £9/month for £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 a replacement card.
• Testimonials: Users generally appreciate the ease of use and comprehensive features of Countingup. 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, a negative comment highlights issues with the app interface: "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." - AD. For more detailed reviews, visit the Countingup Reviews page.

8. 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 integration, and 24/7 support.

• Unique Features: No monthly fees, personalized invoicing, business savings with 4.07% AER variable interest, simple accounting integration, 24/7 account monitoring, 24/7 support via chat, 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 plans such as Plus, Pro, and Cashback are available, each with its own set of features and benefits.
• Testimonials: Users generally appreciate the ease of setting up accounts and the helpful customer service. One positive comment states, "A super fast track way of starting a business account in one day. Most other banks were 72 hours at best then 3-6 weeks (Nat West). I needed a fast account due to business. This service allowed that." - Jason K. However, a negative comment highlights issues with account access: "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. This was bad enough but I understand they do not offer accounts to every business. Now they are withholding our money and will not pay out to the account provided (which they requested), support does reply fairly quickly but can not give any update on when we will have our own money back? We now can not pay suppliers, staff and rent. This is literally sending our business under." - Alex. For more detailed reviews, visit the Trustpilot page.

9. Blank

Blank is an online banking service designed for independent professionals and small businesses in France. It offers a range of features including a professional account, Visa Business card, invoicing tools, payment solutions, and professional insurance.

• Unique Features: Online professional account opening in 5 minutes, Visa Business card with high withdrawal limits, automated Urssaf declarations, customizable invoicing tools, 7-day customer support, enhanced transaction security with 3D Secure, business creation support including capital deposit services.
• Pricing: The pricing details are not explicitly listed on the contact page. Users are encouraged to navigate to the dedicated pricing page through the provided links in the main contact section, navigation menu, or footer.
• Testimonials: Users generally appreciate the simplicity and efficiency of Blank. One positive comment states, "Simple, easy to use, and clear" - Jean Baron. However, a negative comment highlights issues with transfer delays: "This is a bank of thieves, be careful, they block incoming transfers for more than a month or refuse them, be careful" - Jerome Marzeliere. For more detailed reviews, visit the Trustpilot page.

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 and accounting software integrations, support for companies under registration.
• Pricing: The Corporate Plan starts at €149 per month (paid monthly) or €119 per month (paid annually) excluding VAT, and includes 10 users with 0.5% cashback on amounts over €1,000. The Enterprise Plan starts at €339 per month (paid monthly) or €249 per month (paid annually) excluding VAT, and includes 15 users with 1% cashback on amounts over €1,000. Additional fees apply for extra team members, recognized documents, and various transaction services.
• Testimonials: Users generally appreciate the customer-friendly service and fast support. One positive comment 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!" - Vladislav Vashchenko. However, a negative comment highlights issues with account closure and fees: "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." - Mr paulo Gonçalves. For more detailed reviews, visit the Trustpilot page.

Which one should you go with?

In conclusion, while each of these financial solutions offers unique features and benefits tailored to different business needs, OneSafe stands out for its seamless integration of traditional and Web3 financial services. With its simple onboarding process, global payment capabilities, and robust security measures, OneSafe provides a comprehensive and user-friendly experience. Whether you're managing fiat or cryptocurrencies, OneSafe's innovative approach ensures your financial operations run smoothly. While any of these options could be a good fit, we recommend OneSafe if you're looking for a reliable and versatile alternative to Moss.