Top 10 Alternatives to Rain

In this article, we will explore various alternatives to Rain, a service that provides businesses with a simple and secure way to access cryptocurrency. We'll delve into what Rain offers and compare it with other similar services in the market, highlighting their unique features and benefits.

Reviews

Users have shared a mix of positive and negative feedback about Rain. Many appreciate the platform's simplicity and security, which make it easy for businesses to access cryptocurrency. However, some users have expressed frustration with the customer service and occasional technical glitches. Overall, while the ease of use and security features are highly praised, there are areas where users feel improvements are needed.

• "The interface is very user-friendly and makes crypto transactions straightforward." - John D.
• "Customer support response times can be slow, which is frustrating when dealing with urgent issues." - Sarah K.

For more detailed reviews, visit the Rain Reviews 2024 page on G2.

Best alternatives to Rain

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. OneSafe is designed to meet the needs of modern businesses, especially those involved in Web3 and digital currencies.

• 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 Web3. For more details, visit the OneSafe website.

2. Primis Bank

Primis Bank offers business banking services with a focus on eliminating unnecessary fees and providing high-tech solutions. Their business accounts come 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 human support, and FDIC protection.

• No monthly fees, no overdraft fees, no account fees, no ATM fees, no minimum balances, free business insights, choice between debit card rewards and interest-earning accounts, FDIC protection, 24/7 human support, high interest rates on savings, unlimited transactions, refunds on wire fees.
• Primis Bank emphasizes cost-saving measures such as no monthly fees, no overdraft fees, and no minimum balance requirements. Additionally, they offer discounted check reorders and refunds on wire fees charged by other banks.
• Testimonials about Primis Bank are mixed. One user, Larry, shared a positive experience, noting, "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." On the other hand, Steve expressed frustration, stating, "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 the Trustpilot page for Primis Bank.

3. MuralPay

Mural is a platform designed to eliminate delays and fees in global payments and invoicing. It allows users to pay vendors and contractors in over 40 currencies using real-time payments.

• Features: Guaranteed delivery, instant settlement, low fees, institutional-grade security, compliance with KYB/KYC, global reach in 170+ countries, integration with existing financial systems.
• Pricing: Mural offers competitive pricing with low transaction fees and no hidden costs. The platform is designed to reduce operational overhead through bulk payments and efficient currency conversion.
• Testimonials: Users generally appreciate Mural's efficiency and ease of use. One user noted, "Mural has streamlined our payment process significantly," while another mentioned, "The customer support could be more responsive." For more detailed reviews, visit the Mural Pay Reviews 2024 page on G2.

4. Brex

Brex is a financial technology company offering a comprehensive suite of financial services including modern corporate cards, expense management, business banking, bill pay, accounting, and travel management. Their platform leverages AI to automate financial processes, control spending, and maximize financial efficiency for businesses of all sizes, operating in over 120 countries.

• Features: AI-powered automation for approvals, expense reports, invoice entry, and payment processes, services available in over 120 countries, business accounts offering a 4.24% yield from day one, real-time budget tracking and adjustments, comprehensive financial stack designed for startups to enterprises, 99% expense policy compliance rate, positive feedback from notable companies like DoorDash, SeatGeek, and Lemonade, in-app booking and management for global travel, five-star rated mobile app for managing expenses and travel on the go.
• Pricing: Brex offers three main pricing plans. The Essentials plan is priced at $0 per user per month and includes features like global card acceptance and AI-powered custom rules. The Premium plan costs $12 per user per month and adds multiple expense policies and advanced approvals. The Enterprise plan has custom pricing and includes unlimited entities and personalized support. Additionally, the Smart Card plan offers custom pricing for global card acceptance and local-currency cards.
• Testimonials: Users generally appreciate Brex for its ease of use and comprehensive features. One positive comment states, "Brex makes expense reporting so simple. The text feature on your phone to record receipts makes it almost impossible to forget to record expenses. We launched it throughout our organization and it was seamless." On the downside, a user mentioned, "Honestly, I don't love the travel assistant booking software. It's OK, but a salesforce can easily rack up $20 fees if they don't book travel correctly. I think it could use some work." For more detailed reviews, visit the Brex Reviews 2024 page on G2.

5. Propulse by CA

Propulse by CA is a 100% online professional account service offered by Crédit Agricole. It provides a comprehensive solution for entrepreneurs, including a professional payment account, business support services, and various tools and resources to assist in every stage of entrepreneurship.

• Features: Fully online professional payment account managed by Okali, 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 € per month, integrated tools for creating invoices and automatic Urssaf declarations, Visa Business card included, over 1500 articles and guides for business support.
• Pricing: The service starts at 8 € HT per month with no commitment, and the first month is free. Payment limits can go 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 states, "Change la vie" (Life-changing) by Wassim Y. On the downside, Mathieu P. mentioned, "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.

6. Bunq

Bunq offers a business banking solution that allows users to open a business bank account in just 5 minutes using their phone and ID. The service includes a 30-day free trial of any plan.

• Features: Quick account setup, multiple bank accounts for effective budgeting, mobile payment solutions for iPhone and Android, automation tools for bookkeeping and VAT, high-interest savings accounts, shared access for team collaboration, local and multi-currency IBANs, virtual and physical Mastercards, sustainable banking by planting trees with every card transaction.
• Pricing: Bunq offers various plans including Easy Card (Free), Easy Savings (Free), Easy Bank (€7.99/month), Easy Bank Pro (€13.99/month), and Easy Bank Pro XL (€23.99/month).
• Testimonials: Users generally appreciate Bunq's innovative features and ease of use. Hendrik Meier commented, "Bunq knows how to make customers satisfied cuz they never stop adding new features and bonuses." On the downside, R. mentioned, "The bank’s customer service is barely reachable; it can take ages to receive any kind of follow-up to a submitted inquiry." For more detailed reviews, visit the Trustpilot page for Bunq.

7. Ampere

Ampere is an all-in-one financial service designed for businesses, offering a range of products including business accounts, currency exchange, loans, merchant accounts, debit cards, and invoicing tools. It aims to simplify financial management for businesses by providing low exchange rates, fast transactions, and comprehensive business tools accessible via a single app.

• Features: All-in-One Business Current Account, low currency exchange rate of 0.35%, free merchant account set-up with transaction rates starting from 0.65%, quick account opening with GBP and EUR accounts, corporate & private debit card with no monthly fees and flexible repayments, smart invoicing directly from the bank account, personalized business loans and commercial mortgages, comprehensive business tools accessible via phone, PC, or tablet.
• Pricing: Business account setup fee is £35.00, with a monthly maintenance fee of £20.00. Private account setup fee is £25.00, with a monthly maintenance fee of £10.00. Local transfers in GBP and EUR are free, while incoming international transfers cost £25.00. Currency exchange is charged at 0.35%. Card issuance is £15.00, with no monthly or transaction fees. ATM withdrawals cost £1.50 domestically and internationally. Merchant services have no setup fee, with acquiring fees starting from IC++0.35% for low-risk transactions.
• Testimonials: Users generally appreciate Ampere's customer service and ease of use. Positive comment: "I’ve been with Ampere for a while, and I can confidently say their customer service is one of the best I’ve experienced," says Balaji Pawar. Negative comment: "Not only the worst bank but possibly the worst company I’ve ever dealt with," states Jaeme. For more detailed reviews, visit the Trustpilot page for Ampere.

8. Tide Bank

Tide offers a free business current account that can be opened in minutes. The account includes features like simple payment solutions, built-in accounting, and a dedicated savings account with 4.07% AER variable interest. The service is designed to help business owners run their businesses more efficiently with no monthly fees.

• No monthly fees, personalized invoicing, business savings with 4.07% AER variable interest, simple accounting integration, 24/7 account monitoring, 24/7 support, payment links for online transactions, auto-categorisation of income and spending, direct debit management, Apple/Google Pay setup, international payments with IBAN, CSV exports.
• Tide offers a free business current account with no monthly fees. Additional plans include Plus, Pro, and Cashback, each with varying costs and benefits. Transaction and ATM fees are low, and there are no hidden charges.
• 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," by Jason K. On the downside, Alex mentioned, "Terrible experience. Paused our account without warning... Now they are withholding our money." For more detailed reviews, visit the Trustpilot page for Tide.

9. 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, innovation, and sustainability, providing tailored solutions for individuals, families, businesses, and professionals.

• Features: Wellbanking People commitment to financial and life well-being, zero-fee online account for the first year, 100% online loan process for new customers, special mortgage rates for energy-efficient homes, extensive support for online services and security, focus on sustainable practices and innovative financial solutions.
• Pricing: The pricing details for Credem's products and services are not explicitly listed on the contact page. Customers are encouraged to visit specific product pages or contact the bank directly for detailed pricing information.
• Testimonials: Users generally 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 downside, Joseph Nkoro mentioned, "Credem is one out of the many banks in Italy that discriminates against international students." For more detailed reviews, visit the Trustpilot page for Credem.

10. Wallester

Wallester Business offers virtual and physical expense cards designed to streamline corporate financial management. The platform provides real-time card issuance, expense control, and integration with various financial tools, making it ideal for media buying and other corporate expenses. The service is free of setup and monthly fees, and it includes features like instant card issuance, detailed reporting, and budget management.

• Features: Instant card issuance, real-time transaction monitoring, payment approvals, media buying, invoicing and budget management, real-time notifications, customizable API integration, no setup or monthly fees.
• Pricing: Wallester offers a free package that includes 300 virtual cards and unlimited physical cards. For more extensive needs, the 3000 virtual cards package costs €199 per month, and the 15000 virtual cards package is priced at €999 per month. Custom solutions are also available upon request.
• Testimonials: Users generally appreciate Wallester's efficiency and support. GIACOMO SOLIMENE praised the service, stating, "Absolute number one for business card and global payroll system on line and on app. Super fast assistance in some channel whatsapp and telegram over email support." On the downside, Mike Ferrab expressed frustration, saying, "Bunch of scammers with terrible support. They will suspend your account and hold your money." For more detailed reviews, visit the Trustpilot page for Wallester.

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 comprehensive platform and exceptional customer support. Whether you're a startup or an established business, OneSafe's user-friendly interface, multi-currency support, and robust security measures make it a reliable choice. While other options like Primis Bank, Mural, and Brex also provide valuable services, OneSafe's ability to simplify complex financial tasks and its focus on modern businesses, especially those in Web3, make it a standout alternative. Choose the one that best fits your needs, but OneSafe is highly recommended.