Top 10 Alternatives to Propulse by CA

Propulse by CA is a professional online banking service offered by Crédit Agricole, designed to support entrepreneurs in managing their business activities. This article will explore what Propulse by CA offers and discuss various alternatives available in the market for those seeking similar services.

Reviews

Users generally find Propulse by CA to be a helpful and efficient service for managing their professional accounts. The feedback highlights the ease of use, the comprehensive features, and the support provided for business operations and financial management. However, some users have expressed frustration with certain aspects. Positive feedback often mentions the quick email responses, user-friendly application, and the simplicity of the Urssaf declaration process. On the other hand, a few users have noted the absence of Apple Pay as a drawback. Overall, the sentiment is largely positive, with many appreciating the time-saving tools and business plan features.

• "The quick email responses and user-friendly application with many options are fantastic." - Chloé A.
• "The absence of Apple Pay is a significant drawback for me." - Mike24

For more detailed reviews, visit propulsebyca.fr Reviews.

Best alternatives to Propulse by CA

1. OneSafe

OneSafe is a financial technology company offering a blend of traditional and Web3 financial services, tailored for global businesses. It provides comprehensive account services that integrate both fiat and cryptocurrency transactions seamlessly.

• 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 organizations. For more details, visit the OneSafe website.

2. Finom

Finom offers a business account with cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration. The account can be opened online and provides features like 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 (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 such as extra team members, recognized documents, and international payments.
• Testimonials: Users generally appreciate Finom for its customer-friendly approach and fast support. One user 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!" However, not all feedback is positive. Another user stated, "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.

3. Payhawk

Payhawk is a comprehensive spend management platform designed for multinational businesses. It combines company cards, international bank payments, accounts payable with purchase orders, expense management, bank accounts in dedicated currencies, and leading integrations with ERP and accounting software into one system.

• Features: One global card program, multilingual AI-powered data extraction, fast payments and reimbursements, multi-entity dashboard and group controls, market-leading ERP integrations, highly customizable expense coding and categorization, advanced expense management, customer success and support.
• Pricing: Payhawk offers several pricing plans including Premium Cards, All-In-One Spend, Enterprise, and a Growth Program for small businesses. The Premium Cards plan includes dedicated bank accounts, Visa credit and debit cards, virtual and physical cards, advanced card controls, carbon emissions tracking, automatic expense creation, automated reconciliation, and accounting software integrations. The All-In-One Spend plan combines these features with additional expense management tools, free domestic reimbursements, end-to-end invoice management, advanced approval workflow, budget tracking, and a dedicated customer success manager. The Enterprise plan includes all features of the All-In-One Spend plan plus purchase orders with 3-way matching, multi-entity dashboard, enterprise accounting integrations, HR integrations, and SSO/SAML authentication. The Growth Program is available for small businesses with less than 50 employees at £149/month for 24 months.
• Testimonials: Users generally appreciate Payhawk for its efficiency and support. One user, Fabio De La Cruz, mentioned, "This is a great payment platform for automated online billing. It has made our bookkeeping so much easier and reduced the administrative time required. It is great to have every single bill online and not having to dig in on files and drawers. Also, their support staff is always so prompt to help and their resolution times are ace! Thank you Payhawk!" However, not all feedback is positive. Bastian Gotter noted, "Payhawk changed their business focus to larger customers and gave me ten business days' notice to close my account. It's just a terrible way to treat and end a relationship with a customer, after 2 years." For more detailed reviews, visit Trustpilot.

4. Wise

Wise offers international money transfers and multi-currency accounts, allowing users to send, spend, and receive money globally with low fees and transparent exchange rates. The service is used by millions of people and businesses to manage their finances across borders.

• Features: Multi-currency account, low fees, guaranteed rates, Wise debit card, interest on balances, regulatory compliance, security measures, customer trust.
• Pricing: Registering with Wise is free, sending money fees start from 0.29%, holding money in your account is free for 40+ currencies, receiving money is free for local payments in specific currencies, fixed fees for receiving USD wire and Swift payments ($6.11 USD) and CAD Swift payments (10 CAD), no fee from Wise for receiving Swift payments in 21 currencies, but correspondent banks might charge fees.
• Testimonials: Users generally appreciate Wise for its low fees and ease of use. One user mentioned, "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. It allows me to have my paycheck in SECONDS and it doesn't charge me a penny. It also allowed me to withdraw cash from an ATM. Insanely comfortable." However, not all feedback is positive. Another user stated, "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. Be ready that you would have to explain yourself each time, because whenever you chat with someone, weirdly always someone else would reply. Imagine explaining yourself over and over again." For more detailed reviews, visit G2.

5. 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 and multi-currency accounts, physical and virtual cards for team members, easy acceptance of payments online or in-person, integration with accounting software for accurate accounting, spend controls and approvals for secure team spending, AI-powered bill payments, business tools API for linking and syncing business tools, access to 45+ million Revolut customers with Revolut Pay, analytics for planning, managing, and tracking spend, savings with daily returns at great rates, currency risk management with forward contracts and Limit and Stop orders, centralized control of multiple companies, branches, and business entities from one app.
• Pricing: Revolut Business offers four main plans: Basic (£0/month) with essential features, Grow (from £19/month) with additional features like higher exchange limits and no-fee transfers, Scale (from £79/month) with even higher allowances and more features, and Enterprise (custom pricing) with tailored allowances and specialized account management.
• Testimonials: Users generally appreciate Revolut for its convenience and efficiency. One user 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, not all feedback is positive. Another user stated, "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 a few days. According to Revolut, this is my problem and they can't help." For more detailed reviews, visit Trustpilot.

6. Credem

Credem Banca offers a comprehensive range of financial products and services, including current accounts, credit and debit cards, loans, mortgages, and investment options. The bank emphasizes customer well-being, sustainability, and innovation, providing tailored solutions for individuals, families, businesses, and professionals.

• Unique Features: Wellbanking People, sustainability focus, innovative banking solutions, comprehensive support, green transition products, Financial Wellbanker services.
• Pricing: The provided information does not include specific pricing details for Credem's products or services. For detailed pricing, users are directed to specific product pages or need to contact the bank directly through the provided contact methods.
• Testimonials: The general user sentiment towards Credem Banca is predominantly negative. Common complaints include poor customer service, delays in issuing cards, discrimination, and outdated banking practices. However, there are a few positive reviews that highlight good service at specific branches. One user, Steve Smith, mentioned, "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 stated, "Credem is one out of the many banks in Italy that discriminates against international students." For more detailed reviews, visit Trustpilot.

7. Vivid Business

Vivid offers a comprehensive business account service designed for companies and freelancers. It features fast registration, German IBANs, instant transfers, and a suite of financial tools. The account includes benefits like cashback on purchases, high-interest rates on positive balances, and seamless integration with accounting software.

• Unique Features: Free account with up to 30 DE IBANs, 5% p.a. interest on positive balances for the first 2 months (then up to 3.5%), up to €150 cashback/month on selected categories, instant SEPA and SWIFT transfers, personalized permissions for team members, sync with accounting software like DATEV, sevDesk, Commitly, and Puls Project, compliance with PCI DSS, 3D Secure, and GDPR, mobile and web apps for managing accounts and cards.
• Pricing: Vivid offers several pricing plans:
  • Free Start: €0 per month, free of charge at all times.
  • Basic: €7 per month (excluding VAT), with a 2-month free trial.
  • Pro: €19 per month (excluding VAT), with a 2-month free trial.
  • Enterprise: €79 per month (excluding VAT), with a 2-month free trial.
  • Enterprise+: €249 per month (excluding VAT), with a 2-month free trial.
• Testimonials: Users generally appreciate Vivid Business for its convenience and efficiency. One user, Dusan, mentioned, "As a newcomer in Germany, I received a personal recommendation to open my account at VIVID. It’s been the best decision ever! I haven’t regretted a single day in the past two and a half years of being a part of it. Keep up the great work, guys!" However, not all feedback is positive. Claus Kølle stated, "Vivid has terminated my account since October and they’re holding 6,700 Euros of my money! If you try to contact them they give the same copy paste response for more than two weeks now, and my money is still stuck with them. My ticket number is: 112074." For more detailed reviews, visit Trustpilot.

8. Niural

Niural is an all-in-one platform for modern US Payroll, PEO, Global EOR, Contractor management, and Bill Payments in over 150 countries. It is powered by advanced AI, specifically NIURAL AI, which enhances the efficiency and compliance of HR, finance, and operations teams.

• Unique Features: Powered by NIURAL AI, mitigates misclassification risk, ensures a clean employment audit trail, AI-powered platform for quick payroll processing, fastest onboarding time in the industry, handles payroll tax calculations and compliance, combines contractor payments and payroll in one system, supports hiring and payments in over 150 countries, includes payroll processing, tax remittance, employee benefits administration, and compliance with employment regulations.
• Pricing:
  • Employer of Record: Starts at $499/month per employee
  • Niural Armor: $299/month per contractor
  • Hire & Pay Contractors: $49/month per contractor
  • Basic Plan: $70/month + $5/month per employee
  • Plus Plan: $100/month + $15/month per employee
  • Web3 Only Payroll: $19 per member/month + $100 platform fee
  • Enterprise Plan: Custom pricing based on volume
  • PEO Basic: $59/month per employee
  • PEO Plus: $99/month per employee (paid annually)
• Testimonials: Users generally appreciate Niural for its comprehensive features and efficiency. One user mentioned, "Niural has streamlined our global payroll process, making it incredibly easy to manage our international team." However, not all feedback is positive. Another user stated, "The platform is powerful, but the customer support response time needs improvement." For more detailed reviews, visit Trustpilot.

9. N26

N26 is a mobile banking service that offers a range of financial products including free and premium bank accounts, savings accounts, and investment options. It aims to simplify banking with features like virtual Mastercards, no hidden fees, free ATM withdrawals, 24/7 chat support, and robust security measures.

• Unique Features: Virtual Mastercard, free ATM withdrawals in euros within the eurozone, 24/7 chat support in five languages, innovative security features including 3D Secure and biometric authentication, flexible savings account with competitive interest rates, ability to invest in stocks, ETFs, and over 200 cryptocurrencies directly from the app, multiple account plans catering to different needs, quick account setup with no paperwork.
• Pricing: N26 offers several pricing plans:
  • N26 Standard: €0.00/month (free)
  • N26 Smart: €4.90/month
  • N26 You: €9.90/month
  • N26 Metal: €16.90/month
• Testimonials: Users generally have mixed feelings about N26. Many praise its digital banking features and ease of use, while others criticize its customer support. One user mentioned, "Friendly and solution-oriented Service - and they found a solution. Great 🤩" However, another user stated, "Terrible customer service, total rubbish. I have a paid account and the phone line never works. I have been trying to dispute a transaction for two weeks and they don't even answer my messages and the chat service takes more than an hour to answer and they don't resolve the issue." For more detailed reviews, visit Trustpilot.

10. Primis Bank

Primis Bank offers business banking services with a focus on eliminating unnecessary fees and providing advanced technology. Their business banking products include checking and savings accounts with features like no monthly fees, no overdraft fees, no minimum balance requirements, and unlimited transactions. They also offer free cash flow analytics, 24/7 customer support, and specialized resources for sole proprietors.

• Unique Features: No monthly fees, no overdraft fees, no minimum balance requirements, unlimited transactions, free cash flow analytics, 24/7 human support, FDIC protection, free ATM use nationwide, free incoming wires and check images, refunds on originating wire fees charged by other banks.
• Pricing: Primis Bank emphasizes fee-free banking with no monthly fees, no overdraft fees, no minimum balance requirements, and no per-item fees. For detailed pricing information, users are encouraged to visit specific product pages or contact the bank directly.
• Testimonials: Users generally have mixed feelings about Primis Bank. One positive comment from Larry states, "Got a random text from CEO introducing himself and the Company. We talked for 20 minutes where he asked about the experience and areas for improvement. Learned a lot about the Company and the people behind it." On the other hand, Steve had a negative experience, mentioning, "Primis Bank is NO DOUBT the worst financial institution I’ve ever dealt with. I’ve spent hours on hold to try to reach someone." For more detailed reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these financial services offers unique features and benefits tailored to different business needs, OneSafe stands out for its seamless integration of traditional and Web3 financial services, exceptional customer support, and comprehensive account features. Whether you're a freelancer, SME, or a multinational corporation, OneSafe provides a robust and user-friendly platform that simplifies financial management. However, all the options discussed are viable choices depending on your specific requirements. If you're seeking an alternative that combines innovation with reliability, we recommend giving OneSafe a try.