Top 10 Alternatives to OneMoneyWay

In this article, we will explore various alternatives to OneMoneyWay, a digital platform known for facilitating global payments and financial services for businesses. OneMoneyWay offers a range of services including business accounts, corporate cards, currency exchange, and card acquiring services, all designed to support international transactions with top-grade security and 24/7 customer support.

Reviews

Users have shared a mix of positive and negative feedback about OneMoneyWay. Many appreciate the platform's fast onboarding process, top-grade security, and low monthly fees. The dedicated account managers and comprehensive support for various currencies and payment methods are also frequently praised. However, some users have expressed frustration with the account opening process, which can take 2-4 weeks, and the requirement for companies to be registered in the EU, EEA, or UK. These aspects have been highlighted as potential areas of improvement.

• "The onboarding was incredibly fast, and the support team is always available to help." - John D.
• "It took almost a month to get my account set up, which was quite frustrating." - Sarah L.

For more detailed reviews, visit OneMoneyWay Reviews.

Best alternatives to OneMoneyWay

1. OneSafe

OneSafe is a financial technology company offering a comprehensive financial platform for startups and businesses that operate in both fiat and cryptocurrencies. It provides services such as global payments, corporate cards, multi-currency support, and seamless payment options, all through a user-friendly interface.

• Simple onboarding process with quick identity verification, global payments in various currencies, user-friendly corporate cards with spend limits, multi-currency support including USD, Euro, CAD, and more, ability to open and manage global accounts, versatile payment options including wire, ACH, and foreign exchange, security measures including encryption, compliance protocols, and Multi-Factor Authentication (MFA), near-instantaneous currency conversions with competitive rates.
• Account Opening: Free, Minimum Balance: $0, Monthly Fees: None, Corporate Cards: Included, Invoices: Included, Sending + Receiving US Domestic Payments: 0.1% fee, Sending + Receiving 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 <-> Crypto Conversion: Included.
• Users rave about OneSafe's exceptional customer support and its ability to simplify complex financial tasks. Testimonials highlight its game-changing impact on businesses, especially in the Web3 space, with many praising its seamless currency conversions and efficient payroll management. For more details, visit the OneSafe website.

2. Tide Bank

Tide offers a smart business bank account with no monthly fees, providing features like 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 personalized invoicing, simple accounting integration, and 24/7 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 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. Transaction fees are low, and ATM withdrawals are charged at competitive rates. Additional services like international payments and direct debit management may incur extra costs, but the overall pricing structure is designed to be affordable for small businesses.
• Testimonials: Users generally appreciate the fast account setup and efficient customer service. For instance, Jason K. mentioned, "A super fast track way of starting a business account in one day." However, some users have faced issues, as Alex noted, "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 the Trustpilot page for Tide.

3. 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 service includes a German IBAN, 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, reconciliation and money collection tools, accounting software integrations, support for companies under registration.
• Pricing: Finom offers two main plans. The Corporate Plan starts at €149 per month (excl. VAT) for monthly payments or €119 per month (excl. VAT) for annual payments. The Enterprise Plan starts at €339 per month (excl. VAT) for monthly payments or €249 per month (excl. VAT) for annual payments. Additional fees apply for services like extra team members, international payments, and special services.
• Testimonials: Users generally appreciate Finom's customer-friendly approach and fast support. Vladislav Vashchenko mentioned, "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!" On the other hand, Mr. Paulo Gonçalves had 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 for Finom.

4. Soldo

Soldo is a spend management platform that combines pre-programmable, customizable cards with a powerful expense management platform. It aims to liberate finance teams by automating spend administration, providing real-time insights, and integrating with popular accounting software.

• Unique 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, financial controls for budget adherence, real-time visibility into spending, enterprise-level security compliance, high ROI and quick payback period.
• Pricing: Soldo offers three main plans. The Enterprise Plan is customizable for large organizations with unlimited features and requires contacting Soldo for pricing. The Plus Plan costs €33 per month (excluding 20% VAT) and includes 30 cards and 30 outbound bank transfers per month. The Standard Plan is priced at €21 per month (excluding 20% VAT) and includes 20 cards and 20 outbound bank transfers per month. Additional fees apply for card issuance, users, and transactions.
• Testimonials: Users generally appreciate Soldo's helpful customer service and efficient spend management. Gina Ansell mentioned, "The online advisors are always so helpful and explain things in a clear and easy to understand way." On the other hand, Alexander Nosic had a negative experience, stating, "Our account was frozen and closed without any reasons." For more detailed reviews, visit the Trustpilot page for Soldo.

5. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies. It is designed for individuals and businesses who need to handle international transactions efficiently and cost-effectively. The service promises significant savings on international transfers, with no hidden fees and competitive exchange rates.

• Unique Features: Multi-currency account holding and converting money in over 40 currencies, Wise debit card for spending and withdrawing cash worldwide without foreign transaction fees, guaranteed exchange rates for a specified period, earning interest on GBP balances, regulatory compliance with the Financial Conduct Authority (FCA), security measures including 2-factor authentication, high Trustpilot rating, business solutions for managing cash flow and paying employees, global reach supporting transactions in numerous countries and currencies.
• 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 is free, receiving USD wire and Swift payments costs $6.11 USD, receiving CAD Swift payments costs $10 CAD, and receiving Swift payments in 21 currencies is free (though correspondent banks might charge fees).
• Testimonials: Users generally appreciate Wise for its low fees and ease of use. Cherilyn A. mentioned, "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." However, some users have faced issues with customer support. A verified user in Information Technology and Services stated, "Customer Support is the worst among all the products that I used, they're just incompetent." For more detailed reviews, visit the G2 page for Wise Business.

6. Brex

Brex offers a comprehensive financial platform that includes corporate credit cards, expense management, business banking, bill pay, and travel management. Their services are designed to help businesses control spending, automate financial processes, and maximize financial resources using AI-powered tools. Brex operates globally in over 120 countries and provides solutions tailored to startups, mid-size companies, and enterprises.

• Unique features: AI-powered automation for approvals and expense reports, global reach in 120+ countries, 4.24% yield on business accounts, real-time tracking and controls, integrated travel management with in-app booking, enhanced credit limits up to 20x higher, compliance and security with additional FDIC insurance up to $6M, tailored solutions for different business sizes.
• Pricing:
  • Essentials Plan: $0 per user/month, includes global card acceptance, AI-powered custom rules, accounting integrations, local currency wires, travel booking, real-time reporting, API access, bill pay, and reimbursements.
  • Premium Plan: $12 per user/month, includes all Essentials features plus multiple customizable expense policies, dynamic expense review chains, AI-powered compliance audit detection, advanced approvals, multi-entity support, customizable ERP and HRIS integrations, VAT documentation, group travel, advanced travel rules, and live budgets.
  • Enterprise Plan: Custom pricing, includes all Premium features plus unlimited US or global entities, local card issuance, collections, reimbursements, policies, local language support, a named account manager, and fully customizable implementation services.
  • Smart Card: Custom pricing, includes global cards accepted worldwide, local-currency cards in 50+ countries, merchant card controls, and custom approvals.
• Testimonials: Users generally appreciate Brex for its ease of use and comprehensive features. Theresa M. mentioned, "Brex is really easy to use, and covers all of our needs. We were previously at a bank that was very old fashioned with limited online services. We started using Brex just for our corporate cards, but found it so good that we moved all of our business banking over to their platform." However, some users have faced issues with the app's functionality. Mike A. noted, "When typing in descriptions or other details on the app if you make a mistake and try to correct it the typing always goes to the end of the sentence, even if you started at the beginning. It is so weird. You always have to delete whatever you typed and start all over. I hope they fix this." For more detailed reviews, visit the G2 page for Brex.

7. Fiducial Banque

FIDUCIAL Banque offers a comprehensive online banking service tailored for professionals, including TPEs, artisans, merchants, farmers, liberal professions, and associations. The service includes a dedicated advisor, competitive rates starting at 12€ HT/month, and a wide range of banking services such as SEPA transfers, automatic and manual debits, financing options, and payment solutions. The bank is recognized for its excellence, having been named the best online bank for professionals in 2024.

• Unique Features: Dedicated advisor from account opening, banking license from ACPR, comprehensive payment methods including CB, cheques, SEPA transfers, international transfers, and cash, full range of banking services, 24/7 online account management and mobile app, transparent pricing with no hidden fees, 100% French bank with local advisors and data hosting, recognized as the best online bank for professionals in 2024.
• Pricing: The professional account starts at 12€ HT (excluding tax) per month.
• Testimonials: Users generally have mixed feelings about FIDUCIAL Banque. One positive comment from SOleil Or states, "I am personally very satisfied with this bank. It’s the only one that offers a dedicated advisor and provides credits." On the other hand, SAS AVACOM had a negative experience, mentioning, "Attention !!! belle arnaque !!!... Fiducial fou un bordel dans votre business, leur seule réponse : « on ne peut rien faire. Il faut juste attendre »... Conclusion: Si vous cherchez une banque pas chère avec des délais anormalement longs et du personnel peu compétent foncez !!!" For more detailed reviews, visit the Trustpilot page for Fiducial Banque.

8. Mercury

Mercury offers online business banking designed to simplify financial workflows for startups. The service includes features like FDIC-insured bank accounts, online ACH, wires, checks, corporate debit and credit cards, bill pay, invoicing, expense management, and accounting automations. Mercury aims to provide a seamless and efficient banking experience with tools to manage financial operations from a single dashboard.

• Unique features: Manage banking and financial operations from a single dashboard, set auto-transfer rules, send free USD wires, unlock credit cards earlier with industry-low deposit minimums, earn unlimited 1.5% cashback on all spend, FDIC insurance up to 20x the industry standard, built-in fraud monitoring, handle bills, invoicing, expense management, access to Mercury Treasury for earning yields on idle cash, venture debt for growth, and connect with investors through Mercury Raise.
• Pricing: Mercury offers a basic plan at $0 per month, which includes FDIC-insured bank accounts, online ACH, wires, checks, corporate debit and credit cards, up to 4.69% yield with a $500K minimum balance, unlimited bill payments, unlimited invoice generation, and reimbursements for up to 5 users per month. The Mercury Plus plan costs $35 per month and includes additional features like recurring invoicing and branded invoices. The Mercury Pro plan is priced at $350 per month and offers advanced workflows, dedicated support, and reimbursements for up to 250 users per month.
• Testimonials: Users generally appreciate Mercury for its user-friendly platform and responsive customer support. Vladimir mentioned, "Simple and easy-to-use platform and great customer support. The UI is clean and intuitive, the fees are low, and the support very responsive." However, some users have faced issues, as Ebraam Mansy noted, "Mercury closed my account with funds inside and refuses to even respond to any of my emails." For more detailed reviews, visit the Trustpilot page for Mercury.

9. Revolut

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

• Unique features: Global payments to over 150 destinations, manage money in multiple currencies and exchange 25+ currencies at the interbank rate, issue physical and virtual cards, set spend controls and approvals, automate expense management, grow money with savings that earn daily returns, sync with accounting software and other business tools, access to 45+ million Revolut customers to boost sales, tools to plan, manage, and track spend, manage currency risk with forward contracts and Limit and Stop orders, manage all companies, branches, and business entities from one app.
• Pricing:
  • Basic Plan: £0/month, includes local & global account details, team member addition, physical & virtual cards, online & in-person payments.
  • Grow Plan: From £19/month, includes everything in Basic plus currency exchange up to £10,000, savings interest, spend controls, bulk payments.
  • Scale Plan: From £79/month, includes everything in Grow plus higher currency exchange limits, more no-fee transfers, higher savings interest.
  • Enterprise Plan: Custom pricing, includes fully customizable plan with custom allowances, highest savings rate, and specialized account management.
• Testimonials: Users generally appreciate Revolut for its convenience and efficiency. Kavita Gunaratne mentioned, "Revolut has made my life so much easier as I had a very bad experience with my previous bank in getting my account sorted, but my Revolut account was set up within minutes. Very convenient and efficient. Love it." However, some users have faced issues with customer service. Nicolas Huynh noted, "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 for Revolut.

10. 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, creating invoices, declaring income to URSSAF, and more.

• 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 and managing invoices and quotes, automatic income declaration to URSSAF, Visa Business card included, comprehensive support with over 1500 articles and guides.
• Pricing: Propulse by CA offers competitive pricing starting at 8 € HT/month with no commitment and the first month free. This includes a Visa Business card, integrated invoicing tools, and automatic income declaration to URSSAF.
• Testimonials: Users generally appreciate Propulse by CA for its ease of use and helpful features. Wassim Y. mentioned, "Change la vie" (Life-changing). However, some users have faced issues, as Mathieu P. noted, "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 the Trustpilot page for Propulse by CA.

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 for its seamless integration of fiat and cryptocurrency services, exceptional customer support, and user-friendly interface. Whether you're a startup or an established business, OneSafe provides a comprehensive solution that simplifies complex financial tasks and supports global operations. While 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 versatile alternative to OneMoneyWay.