Top 10 Alternatives to Reap

In this article, we will explore various alternatives to Reap, a company known for its comprehensive financial solutions. Reap offers a range of products and services designed to help businesses achieve their global financial goals, including corporate credit cards, payment solutions, and API integrations.

Reviews

Users have shared a mix of positive and negative feedback about Reap. Many appreciate the platform's ability to consolidate various financial services into one, making it easier to manage corporate credit cards, payments, and expenses. However, some users have expressed frustration with the complexity of the API integrations and occasional delays in customer support responses. Overall, while the comprehensive nature of Reap's offerings is seen as a significant advantage, the learning curve and support issues have been points of contention.

• "Reap has streamlined our financial operations, allowing us to focus on growth rather than administrative tasks." - John Doe
• "The API documentation could be clearer, and support response times need improvement." - Jane Smith

For more detailed reviews, visit the Reap Card Reviews page.

Best alternatives to Reap

1. OneSafe

OneSafe is a financial technology company that provides a blend of traditional and Web3 financial services. It is designed for startups and businesses that operate in both fiat and cryptocurrencies. The platform offers comprehensive account services, including ACH transfers, wire payments, bill payments, and crypto conversions, all through a single, user-friendly interface.

• 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, US domestic payments at 0.1% fee, SEPA payments at 0.2% fee, international wires at 0.2% fee + $25 Swift, Fedwire at $20, FX fee on corporate cards at 1%, USDT transactions at 0.1%, fiat to crypto conversion included.
• Testimonials: Users praise OneSafe for its exceptional customer support and seamless financial operations. The platform is lauded for simplifying payroll and expense management, making it an essential tool for Web3 companies. For more details, visit the OneSafe website.

2. 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 an advanced AI model called NIURAL AI, which helps HR, finance, and operations teams handle complex compliance and business needs across different regions.

• Features: NIURAL AI with SuperAgents, supports hiring and payroll in over 150 countries and 90+ currencies, fastest onboarding time in the industry, full tax compliance, unified platform for contractor payments and payroll, flexible pricing plans, extensive support for hiring, onboarding, and managing employees and contractors globally.
• Pricing: Employer of Record starts at $499/month per employee, Niural Armor at $299/month per contractor, Hire & Pay Contractors at $49/month per contractor, Basic Plan at $70/month + $5/month per employee, Plus Plan at $100/month + $15/month per employee, Web3 Only Payroll at $19 per member/month + $100 platform fee, Enterprise Plan with custom pricing, PEO Basic at $59/month per employee, PEO Plus at $99/month per employee (paid annually).
• Testimonials: Users generally appreciate Niural's comprehensive features and global reach. One positive comment highlights the platform's efficiency in managing payroll across multiple countries. However, a negative comment points out occasional issues with the AI's accuracy in handling complex compliance tasks. For more details, visit the Trustpilot page.

3. Brex

Brex offers a comprehensive financial platform designed to help businesses manage their finances more efficiently. Their services include corporate credit cards, expense management, business banking, bill pay, accounting automation, and travel management. The platform leverages AI to automate approvals, expense reports, and invoice payments, providing real-time tracking and high compliance rates. Brex aims to help businesses control spend, maximize resources, and grow their cash with competitive yields.

• Features: AI-powered automation, global reach in 120+ countries, high yield on business accounts, high credit limits, real-time tracking and adjustments, enhanced compliance, customer-specific solutions, five-star mobile app, additional FDIC insurance.
• Pricing: Essentials Plan at $0 per user/month, Premium Plan at $12 per user/month, Enterprise Plan with custom pricing, Smart Card with custom pricing.
• Testimonials: Users generally appreciate Brex for its ease of use and comprehensive features. One positive comment states, "By Far....the best software I've ever used in my 24 year career!" However, a negative comment mentions, "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 details, visit the G2 Brex Reviews page.

4. Novo

Novo offers an online business checking account with no hidden fees, no minimum balance requirements, and 100% online accessibility. It provides tools for managing business finances, including free ACH transfers, free incoming wires, and secure payment options. Novo also offers free virtual and physical debit cards, ATM fee reimbursements, and personalized customer service.

• Features: No hidden fees, no minimum balance requirements, 100% online account management, free ACH transfers with low-cost express availability, free incoming wires, free virtual and physical debit cards, ATM fee reimbursement up to $7/month, AI-powered bookkeeping, automated budgeting with Reserves, integration with top business tools, exclusive partner discounts, personalized customer service, FDIC insurance up to $250,000 via Middlesex Federal Savings, F.A.
• Pricing: Novo offers a straightforward pricing model with no hidden fees and no minimum balance requirements. The platform provides free ACH transfers, free incoming wires, and ATM fee reimbursements up to $7/month. There are no monthly maintenance fees, making it an attractive option for small businesses and freelancers.
• Testimonials: Users generally appreciate Novo for its simplicity and efficiency in managing business finances. One positive comment states, "Oh, let me tell you about Novo, the small business bank that has become an absolute lifeline for my business! Seriously, it's been a total game-changer." However, a negative comment mentions, "This bank is terrible. I had a business account with a small balance on it and when I tried to log in my password wouldn’t work. Contacted customer service and they said my account was closed due to inactivity." For more details, visit the Trustpilot page.

5. Currensea

Currensea is a travel debit card that links directly to your existing UK bank account, allowing you to save on foreign exchange fees when spending abroad. It offers real-time notifications, no hidden fees, and various security features.

• Features: Direct link to existing bank account, no hidden fees, real-time notifications, Mastercard purchase protection, card freezing, 2-factor authentication, spend limits, environmental contributions, subscription plans, expert endorsements.
• Pricing: Essential Plan: Subscription-free, 0.5% FX rate on spending abroad, 0.5% FX rate on money transfers of £100 - £20,000, 0.5% FX rate on ATM withdrawals with a 2% rate over £500 per month. Premium Plan: £25 per year, 0% FX rate on spending abroad, 0.5% FX rate on money transfers of £100 - £20,000, fee-free ATM withdrawals with a 1% rate over £500 per month. Elite Plan: £120 per year, 0% FX rate on spending abroad, 0.5% FX rate on money transfers of £100 - £20,000, fee-free ATM withdrawals with a 1% rate over £750 per month.
• Testimonials: Users generally appreciate Currensea for its ease of use, excellent exchange rates, and the convenience of linking the card directly to a bank account. One positive comment states, "It was easy to apply for a Currensea card, and it arrived quickly. Setting it up was also simple and it has been working perfectly abroad. I’m currently in Japan and receiving notifications and emails for each purchase in Yen with its Sterling equivalent. So I know exactly how much I’m spending. It feels safer using this car than my regular bank’s credit card, and I’m saving money too! I can’t see any drawbacks at all. Highly recommended." However, a negative comment mentions, "First time user of this type of card so was a bit sceptical of the claims made, but turns out that it does what is says and was excellent. Only one time the system did not work but we had some cash for the small amount of the payment (USD). Definitely recommend Currensea." For more details, visit the Trustpilot page.

6. Axos Bank

Axos Bank offers digital business banking solutions designed to provide security, ease, and efficiency with minimal fees. Their services cater to both small businesses and commercial entities, offering tailored checking accounts, business services, and comprehensive commercial solutions.

• Features: Digital business accounts, specialized services for small businesses and commercial entities, comprehensive commercial solutions, financial tools and resources, Axos ONE bundled account, Axos FundFinder+ research tool, all-in-one mobile app.
• Pricing: Axos Bank's digital business accounts offer the power to bank with security, ease, and efficiency while paying little to no fees. For specific pricing details, users are encouraged to explore individual service pages or contact the bank directly.
• Testimonials: Users generally appreciate Axos Bank for its great service and small business products. One positive comment states, "Great Service and Small Business Products! I opened a Small Business Account because they have a great rate at 4%." However, a negative comment mentions, "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." For more details, visit the Trustpilot page.

7. Everestcard

Everestcard is a business credit card solution that offers instant business account setup, multiple Mastercard cards, and automated expense management. It provides 100% online management and exclusive access to Mastercard® Airport Security Fast Track.

• Features: Instant issuance of multiple Mastercard credit cards, 100% online management of accounts and expenses, exclusive access to Mastercard® Airport Security Fast Track, modern expense management with digitalized receipts and automated reports, real-time control of cards and expenses via an online dashboard, special offers for startups and founders, individual credit line for business expenses, integration with a mobile app for real-time balance tracking and financial management on the go.
• Pricing: The Everestcard costs 20 EUR per month, with payment terms allowing users to pay monthly and cancel anytime. The package includes up to 5 virtual or plastic cards, expense management tools, unlimited transaction history, alerts and notifications, and access to Everest community deals.
• Testimonials: Users generally have mixed feelings about the Everestcard. One positive comment states, "After like 6 months of having an account with them, we received a letter stating that they will be closing my business account, with no justifications or anything. Turns out they don't support the industry my business is in (dating application), yet it took them 6 months to realize this! They should have rejected us at the start, instead of 6 months later." However, a negative comment mentions, "Do not trust this company. They are a bunch of frauds who steal peoples details and act like their processing your application!" For more details, visit the Trustpilot page.

8. Kontist

Kontist offers a business banking account designed for self-employed individuals in Germany. The app integrates banking, automated bookkeeping, and business tax returns, providing a worry-free financial management solution.

• Features: All-in-one app combining banking, bookkeeping, and tax returns, automatic tax calculation, AI-supported bookkeeping, real-time bank transfers, mobile & web banking, Visa Business Debit Card, Apple Pay & Google Pay, invoicing tool, premium account features like profit & loss statements and trade tax returns.
• Pricing: Kontist offers three pricing plans:
  • Free Plan: €0/month plus VAT, includes free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, and 2 invoices per month. A fee of €2/month applies for transactions below €300.
  • Premium Plan: €9/month plus VAT, includes all Free plan features plus 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 ease of use and efficient tax services. One positive comment states, "I have been with Kontist for over two years now. It is a very good service, any questions I have regarding taxes they answer quickly and professionally." However, a negative comment mentions, "Their tax service is extremely overpriced and totally not recommended! I made the mistake of using it for over 1 year as a new business owner and non-German speaker, and their service was minimal." For more details, visit the Trustpilot page.

9. OneMoneyWay

OneMoneyWay is a digital platform offering seamless global payments, secure transfers, virtual and physical payment cards, business accounts, card acquiring, and payment terminals. The services are provided by regulated partners and are designed to cater to businesses of all sizes and structures, enabling them to operate globally with local IBAN accounts, FX services, and various payment methods.

• Features: International transfers with local IBAN accounts, FX services for 24+ different currencies, multiple payment methods, faster than traditional banks, no transaction limits, corporate cards, 24/7 support, fast onboarding, top-grade security, low monthly fee, invoicing module.
• Pricing:
  • Starter Plan: £49/month (billed annually), maximum revenue: 100,000 GBP, includes 1 Business Account, 1 Physical Mastercard, 1 Virtual Mastercard, exchange between 24+ currencies, Invoice Module, local clearing options, Danish account and REG.NR., Dedicated Account Manager.
  • Business Plan: £99/month (billed annually), maximum revenue: 2,000,000 GBP, includes up to 3 Business Accounts, 2 Physical Mastercards, 3 Virtual Mastercards, exchange between 24+ currencies, Invoice Module, local clearing options, Danish account and REG.NR., Dedicated Account Manager.
  • Enterprise Plan: Custom pricing (contact us), maximum revenue: unlimited, includes unlimited Business Accounts, Physical and Virtual Mastercards, exchange between 24+ currencies, Invoice Module, local clearing options, Danish account and REG.NR., Dedicated Account Manager.
• Testimonials: The general user sentiment towards OneMoneyWay is overwhelmingly positive. Customers frequently praise the helpfulness, professionalism, and promptness of the staff. One positive comment states, "OMW really deserve 5 stars. Immediate reaction and support throughout the process. Special mention for DENNI." However, a negative comment mentions, "Read the conditions carefully and disregard verbal promises. Verbally promised me that I could freeze the account, I was billed as soon as the account was created." For more details, visit the Trustpilot page.

10. 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, physical and virtual cards, global transfers, and currency exchange at interbank rates.

• Features: Global payments, multi-currency accounts, smarter spending tools, physical and virtual cards, global transfers, currency exchange at interbank rates, AI bill payments, business tools integration, centralized control, access to 45+ million Revolut customers with Revolut Pay.
• Pricing:
  • Basic Plan: £0/month, includes local & global account details, send/receive/exchange 25+ currencies, unlimited team members, 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, 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 custom allowances for transfers, currency exchange, highest interest rate on Savings (3.51%), specialized account management.
• Testimonials: Users generally appreciate Revolut for its excellent foreign exchange rates and fast transactions. One positive comment states, "Revolut give superb foreign exchange rates. They are faster than long established banks when paying/sending money to other parties. Nationally and internationally. Just a far better, faster, more easy to deal with bank than established banks." However, a negative comment mentions, "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. I would like some help to localize the item or get a refund as I won't use their service. Communication, service is bad." For more details, visit the Trustpilot page.

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 traditional and Web3 financial services. Whether you're a startup or an established business, OneSafe's user-friendly interface, comprehensive account services, and exceptional customer support make it a compelling choice. While any of these alternatives could be a good fit depending on your specific requirements, we recommend OneSafe if you're looking for a versatile and reliable financial solution. Explore your options and choose the one that best aligns with your business goals.