Top 10 Alternatives to MuralPay

In this article, we will explore various alternatives to MuralPay, a platform known for its instant global payments and invoicing services. MuralPay eliminates delays and fees by enabling real-time payments in over 40 currencies, making it a popular choice for businesses managing global financial operations.

Reviews

Users have shared a mix of positive and negative feedback about MuralPay. Many appreciate the platform's ability to facilitate instant global payments and invoicing, highlighting its efficiency and ease of use. The elimination of delays and fees is frequently mentioned as a significant advantage. However, some users have expressed frustration with occasional technical glitches and the complexity of the initial setup process. Despite these issues, the overall sentiment leans towards satisfaction, particularly with the platform's comprehensive security measures and support for multiple currencies.

• "MuralPay has streamlined our international payments, saving us both time and money." - John D.
• "The setup was a bit complicated, but once we got through it, the service has been reliable." - Sarah K.

For more detailed reviews, visit the Mural Pay Reviews page.

Best alternatives to MuralPay

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.

• 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 seamless financial operations. 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.

• Unique Features: All-in-one app combining banking, bookkeeping, and tax returns, automatic tax calculation with each transaction, AI-supported bookkeeping for easy receipt management and VAT returns, real-time financial insights, mobile and web access, integration with Apple Pay and Google Pay, invoicing tool, premium account features including advanced bookkeeping and tax return preparation.
• Pricing: Kontist offers three pricing plans:
  • Free Plan: €0/month plus VAT, includes a free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, and the ability to create 2 invoices per month. A fee of €2/month applies if monthly transactions are below €300.
  • Premium Plan: €9/month plus VAT, includes all Free plan features plus a free virtual and physical Visa Debit card, automatic calculation of income tax & VAT, MT940 Datev export, unlimited invoices per month, and integration with external bookkeeping tools.
  • Bookkeeping Plan: €29/month plus VAT, includes all Premium plan features plus unlimited free transactions, advance VAT return, business evaluation, manually add external transactions, unlimited categorization of transactions with AI, and business assets handling.
• Testimonials: Users generally appreciate Kontist for its user-friendly app and excellent service for freelancers. One user, Daniel N Jochem, praised the service for making tax returns easy and providing quick, professional answers to tax-related questions. On the other hand, Tanya criticized the tax service as overpriced and not recommended, noting that similar services are available at a much lower cost. For more detailed reviews, visit the Trustpilot page.

3. Soldo

Soldo is a spend management platform that provides physical and virtual Mastercards, a management platform, and a mobile app to help businesses manage and track their spending. It integrates with various financial systems to streamline processes and offers solutions for company spending, petty cash replacement, fuel expenses, employee expenses, budget control, and more.

• Unique Features: Pre-programmable, customizable cards, powerful expense management platform, integrations with financial systems, enterprise-level security, economic benefits, customizable solutions.
• Pricing:
  • Enterprise Plan: Customizable solution for large organizations. Pricing: Contact Soldo for details. Features: Unlimited users, cards, outbound bank transfers, wallets, enterprise workflows, API access, and more.
  • Plus Plan: €33 per month (excluding 20% VAT). Free 30-day trial available. Features: 3 users, 30 physical or virtual Soldo cards, 30 subscription or digital ad cards, 30 temporary virtual cards, 30 outbound bank transfers per month, 3 wallets, advanced receipt capture, multi-currency support, and more.
  • Standard Plan: €21 per month (excluding 20% VAT). Free 30-day trial available. Features: 3 users, 20 physical or virtual Soldo cards, 20 subscription or digital ad cards, 20 temporary virtual cards, 20 outbound bank transfers per month, mobile app, standard receipt capture, and more.
  • Additional Costs: Physical cards: €5 issuance fee per card. Virtual cards: €1 issuance fee per card. Temporary virtual cards: €0.50 issuance fee per card. Additional users: €7 per Standard user per month or €11 per Plus user per month. Outbound bank transfers: €0.75 per transaction. FX and ATM fees: 1% with a minimum of €2.
• Testimonials: Users generally appreciate Soldo for its helpful customer support and effective spend management tools. Gina Ansell noted, "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." On the other hand, Alexander Nosic shared a negative experience, 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 Trustpilot page.

4. VIALET

VIALET Business Account is designed to help businesses grow faster and manage their finances more efficiently. The account can be opened online in minutes, with full functionality available within 3 business days. It offers seamless banking and payment solutions, including online onboarding, budget control, comprehensive transaction management, and enhanced reporting.

• Unique Features: Quick online onboarding, budget control, comprehensive transaction management, enhanced reporting, transparent pricing, high security standards, personalized support, tailored services.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. However, specific pricing details or fee structures are not provided on the main page. For detailed pricing information, users may need to sign up or contact VIALET directly.
• Testimonials: Users generally appreciate VIALET for its professional and efficient service. Emilė Barakauskaitė noted, "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." On the other hand, Cheikh shared a negative experience, 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 Trustpilot page.

5. Revolut

Revolut Business offers an all-in-one business account designed to help businesses manage their finances more efficiently. It includes features like global payments, multi-currency accounts, smarter spending, issuing physical and virtual cards, sending transfers, receiving money, accepting payments, and currency exchange.

• Unique Features: Global payments to over 150 destinations, manage money in multiple currencies, exchange 25+ currencies at the interbank rate, issue physical and virtual cards, set spend controls and approvals, capture and pay bills with AI, sync with accounting software, link business tools via API, access analytics, manage currency risk, control multiple business entities, boost sales with Revolut Pay, grow money with savings accounts earning daily returns.
• Pricing:
  • Basic Plan: £0/month, includes local & global account details, send/receive/exchange 25+ currencies, unlimited team members, issue physical & virtual cards, accept online & in-person payments.
  • Grow Plan: From £19/month, includes everything in Basic, exchange up to £10,000 monthly at the interbank rate, no-fee transfer allowance, earn interest with Savings, access spend controls & approvals, bulk payments.
  • Scale Plan: From £79/month, includes everything in Grow, exchange up to £50,000 monthly at the interbank rate, 5x more no-fee global transfers, 10x more no-fee local transfers, higher interest on Savings.
  • Enterprise Plan: Custom pricing, includes full custom build, customise allowances for transfers and currency exchange, secure 3.51% on Savings, specialised account management.
• Testimonials: Users generally appreciate Revolut for its user-friendly interface and quick transaction capabilities. Yuriy noted, "Revolut app has a very user-friendly interface. Its functionality allows to make transactions in a matter of seconds which is extremely important these days." On the other hand, Nicolas Huynh shared a negative experience, stating, "Bad service, bad communication. I ordered a card terminal reader to take payment. This has been delivered to an unknown place by Royal mail in few days. According to Revolut, this is my problem and they can't help." For more detailed reviews, visit the Trustpilot page.

6. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies with low fees and no hidden charges. It provides a multi-currency account, international debit card, and various features for personal and business use. Wise is regulated by the Financial Conduct Authority (FCA) and trusted by millions of customers worldwide.

• Unique Features: Multi-currency account, low fees on international transfers, Wise debit card for global spending, regulatory compliance by FCA, high Trustpilot ratings, dedicated fraud and security teams, business solutions for managing cash flow, and interest earnings on balances.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, holding money in over 40 currencies is free, receiving local payments in specific currencies is free, receiving USD wire and Swift payments costs $6.11 per payment, and receiving CAD Swift payments costs 10 CAD per payment.
• Testimonials: Users generally appreciate Wise for its ease of use and cost savings. Cherilyn A. noted, "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." On the other hand, a verified user in Information Technology and Services criticized the customer support, stating, "Customer Support is the worst among all the products that I used, they're just incompetent." For more detailed reviews, visit the G2 page.

7. 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, payment solutions, and professional insurance.

• Unique Features: Quick online account opening, Visa Business card with high spending limits, automated Urssaf declarations, customizable invoicing, comprehensive payment solutions, professional insurance, 7-day customer support, enhanced security with 3D Secure, regulatory compliance with deposits guaranteed up to €100,000.
• Pricing: The pricing details for Blank are not explicitly listed on the main contact page. Users are encouraged to visit the "Nos tarifs" section on the website to discover the offers and detailed pricing information.
• Testimonials: Users generally appreciate Blank for its simplicity and efficiency. One user, TACOS TIME, noted, "I am using the app since 3 months, and it is amazing app… all the works done with it ✅." On the other hand, Jerome Marzeliere shared a negative experience, stating, "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 the Trustpilot page.

8. Finom

Finom offers a business account with cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration, providing an IBAN account that can be opened online. The service includes features like fast payments, expense control, and personal assistance.

• Unique Features: German IBAN available within 24 hours, international payments capability, up to 3% cashback on all expenses, personal assistance available within 1 minute, tailored benefits for freelancers, businesses with employees, and companies under registration, simplified invoicing service that helps clients get paid 20% faster, integration with accounting software and tools for money collection and data analytics.
• Pricing:
  • Corporate Plan: from €149/month (paid monthly) or from €119/month (paid annually), excluding VAT.
  • Enterprise Plan: from €339/month (paid monthly) or from €249/month (paid annually), excluding VAT.
  • Additional fees include €15/month for extra team members, €5 for declined Direct Debits, €1-€5 for SEPA Instant transfers, €5 for international payments, and more.
• Testimonials: Users generally appreciate Finom for its helpful customer support and efficient service. Robert Jan Busch noted, "Finally, a truly helpful support team! Every time I have a question, Mees is there to assist and always provides a satisfying answer. Great service!" On the other hand, Mr. Paulo Gonçalves shared a negative experience, stating, "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 the Trustpilot page.

9. Airwallex

Airwallex is a global payments and financial platform trusted by over 100,000 companies worldwide. It offers software and APIs to simplify global payments and financial operations, helping businesses unlock new opportunities and grow without limits.

• Unique Features: Simple setup, fast transfers, cost-effective, human support, cloud native, high security, global compliance, local payments network.
• Pricing:
  • Explore Plan: $0 or $29/month, with conditions for $0/month including a deposit of at least $5k per month or a minimum balance of $10k.
  • Grow Plan: $99/month, includes everything in the Explore plan plus additional features like international batch transfers and expense management.
  • Accelerate Plan: $499/month, includes everything in the Grow plan plus centralized management of finances across global entities and dedicated account manager.
  • Custom Plan: Custom pricing, tailored for high-volume businesses with custom API implementations and embedded finance solutions.
  • Additional fees include FX & transfers at 0.5% above interbank rates for major currencies, SWIFT transfers at $10-30 per transfer, and spend user fees at $15 per additional employee card user/month.
• Testimonials: Users generally appreciate Airwallex for its ease of use and efficiency in handling multi-currency accounts. Wong Loke Hsien noted, "I’ve been using Airwallex for managing our business transactions, and it’s been a real time-saver." On the other hand, Pierrick C shared a negative experience, stating, "They suddenly started to refuse money transfer for no reason." For more detailed reviews, visit the Trustpilot page.

10. Hype

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

• Unique Features: Free ordinary and instant transfers, simplified F24 payments, Tax Manager for tax estimation and saving, included micro-insurances, World Elite Mastercard, 7/7 technical support, promotional offer to waive the monthly fee under certain conditions, global free withdrawals, financial tracking with Radar, comprehensive management tools, automatic savings for business goals.
• 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 fee for cash recharges at authorized points, 1.5% exchange rate surcharge for foreign currency transactions.
• Testimonials: Users generally appreciate HYPE for its ease of use and comprehensive services. Roberto Cardoni noted, "Easy and intuitive to use, a lot of services available." On the other hand, Paola Maffei shared a negative experience, stating, "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 detailed reviews, visit the Trustpilot page.

Which one should you go with?

In conclusion, while each of these platforms offers unique features and benefits tailored to different business needs, OneSafe stands out for its seamless integration of traditional and Web3 financial services. Whether you're managing fiat or cryptocurrencies, OneSafe provides a comprehensive solution with simple onboarding, global payments, and state-of-the-art security measures. Although any of these options could be a good fit depending on your specific requirements, we recommend OneSafe if you're looking for a reliable and innovative alternative to streamline your financial operations. For more information, visit the OneSafe website.