Top 10 Alternatives to Reap

In this article, we will explore alternatives to Reap, a company known for its comprehensive financial solutions tailored for modern businesses. Reap offers a range of products and services, including payment technology, API solutions, and robust security measures, all designed to help businesses thrive in a connected and borderless world.

Reviews

Users have shared a mix of positive and negative feedback about Reap. Many appreciate the platform's comprehensive financial solutions, which streamline various financial tasks into a single interface. This integration is particularly valued for its ability to reduce the need for multiple service providers. However, some users have expressed frustration with certain aspects of the service, such as occasional delays in transaction processing and the complexity of navigating the platform's extensive features. Despite these issues, the overall sentiment remains positive, with users highlighting the platform's robust security measures and flexible payment options as significant advantages.

• "Reap's all-in-one platform has made managing our finances so much easier. We no longer need to juggle multiple providers." - Charles Grenier-Green
• "While the features are great, the learning curve was steeper than expected, which was a bit frustrating." - Dexter L.

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

Best alternatives to Reap

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. The platform supports seamless integration of fiat and cryptocurrency transactions, making it ideal for modern financial operations.

• 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. The platform is lauded for simplifying payroll and expense management, making it an essential tool for Web3 companies. For more details, visit the OneSafe page.

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: Powered by NIURAL AI, global hiring, quick payroll processing, fast onboarding, full tax compliance, unified platform, flexible pricing plans, comprehensive services.
• 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 ease of use. One user mentioned, "Niural has streamlined our global payroll process significantly." However, another user noted, "The initial setup was more complex than anticipated." For more details, visit the Trustpilot Niural Reviews page.

3. Brex

Brex is a financial technology company offering a comprehensive suite of financial products and services for businesses, including corporate credit cards, expense management, business banking, bill pay, and travel management. The platform leverages AI to automate financial processes, enhance efficiency, and provide real-time tracking and control over expenses.

• Features: AI-powered automation, global reach in 120+ countries, 4.24% yield on business accounts, 99% expense policy compliance, up to 20x higher credit limits, integrated travel management, real-time tracking, tailored solutions for startups, mid-size companies, and enterprises.
• Pricing: Essentials Plan at $0 per user per month, Premium Plan at $12 per user per 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 user mentioned, "Brex is really easy to use, and covers all of our needs." However, another user 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." 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, secure payments, and free virtual and physical debit cards. Novo emphasizes personalized customer service and offers various financial tools like invoicing, bookkeeping, and funding options.

• 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, exclusive partner discounts, integration with top business tools, 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 reimbursement up to $7/month. Additional services like express ACH transfers and international payments may incur minimal fees.
• Testimonials: Users generally appreciate Novo for its ease of use and small business-friendly features. One user, Lisa Benson, mentioned, "Novo is super easy to use and has become an absolute lifeline for my business." However, another user, Clean Sweep, expressed frustration, stating, "My account was closed due to inactivity without any notification, and customer service was unhelpful." For more details, visit the Trustpilot Novo Reviews 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 exchange rates, instant spend notifications, and various security features. The card is highly rated by users and supported by multiple UK banks.

• Features: Direct link to existing bank account, no bank fees abroad, real-time notifications, security features including Mastercard purchase protection and 2-factor authentication, environmental initiatives, multiple pricing plans, expert endorsements.
• Pricing: Essential Plan is free with a 0.5% FX rate and 2% ATM fee over £500/month. Premium Plan costs £25/year with 0% FX rate and 1% ATM fee over £500/month. Elite Plan costs £120/year with 0% FX rate and 1% ATM fee over £750/month.
• Testimonials: Users generally appreciate Currensea for its ease of use and cost savings. One user mentioned, "Setting it up was simple and it has been working perfectly abroad. Highly recommended." However, another user noted, "Only one time the system did not work but we had some cash for the small amount of the payment." For more details, visit the Trustpilot Currensea Reviews page.

6. Axos Bank

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

• Features: Digital business accounts, specialized services for small businesses and commercial entities, comprehensive commercial solutions, industry expertise, 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 product pages or contact the bank directly.
• Testimonials: Users generally appreciate Axos Bank for its great service and small business products. One user mentioned, "Great service and they really care about your business-I'd highly recommend!" However, another user noted, "Horrible company. They locked my account and I never got my money back." For more details, visit the Trustpilot Axos Bank Reviews page.

7. Everestcard

Everestcard offers a business account with instant setup, multiple Mastercard cards, and automated expense management. The service is fully online, providing 24/7 control via a web dashboard and app. It includes features like digitalized receipts, real-time expense tracking, and exclusive travel benefits. The pricing plan is straightforward at 20€ per month, with additional cards available for 5€ each.

• Features: Instant issuance of multiple Mastercard credit cards, 100% online management and onboarding, exclusive access to Mastercard® Airport Security Fast Track, modern expense management with digitalized receipts and real-time tracking, automated reports and transaction history, special offers for startups and founders, individual credit lines for business expenses, mobile app for managing finances on the go.
• Pricing: The Everestcard has a simple pricing plan of 20€ per month, which includes up to 5 virtual or plastic cards. Additional cards are available for 5€ each. The subscription is billed monthly and can be canceled at any time. The plan also includes expense management tools, unlimited transaction history, alerts and notifications, and access to Everest community deals.
• Testimonials: Users have mixed feelings about the Everestcard. One user, AL from LU, mentioned, "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." On the other hand, Yewande A from GB expressed frustration, stating, "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 Everestcard Reviews page.

8. Kontist

Kontist offers a business bank account integrated with automated bookkeeping and business tax return functionalities. It aims to simplify financial management for self-employed individuals in Germany, providing a worry-free experience.

• Features: All-in-one app combining banking, bookkeeping, and business tax returns, automatic tax calculation, AI-supported bookkeeping, real-time financial insights, mobile & web banking, Visa Business Debit Card, integration with Apple Pay and Google Pay, invoicing tool, premium account benefits including profit & loss statements, VAT returns, and trade tax returns.
• Pricing: Kontist offers three plans:
  • Free Plan: €0 per month plus VAT, with conditions for monthly transactions over €300. If less, a fee of €2 per month is charged. Includes a free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, and 2 invoices per month.
  • Premium Plan: €9 per month plus VAT. Includes all features from the Free plan, 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 per month plus VAT. Includes all features from the Premium plan, 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 helpful customer support. One positive comment from Daniel N Jochem states, "Excellent service for Freelancers. 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." On the other hand, a negative comment from Tanya highlights, "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 Kontist Reviews page.

9. OneMoneyWay

OneMoneyWay is a digital platform offering global payments, secure transfers, virtual and physical payment cards, business accounts, card acquiring, and payment terminals. It supports international transfers, FX services for 24+ currencies, and various payment methods like SWIFT, SEPA, US ACH, Faster Payments, and DKK Payments.

• Features: Fast onboarding, top-grade security, low monthly fee, integrated invoicing module, access to exclusive UK and EU IBAN accounts, OneMoneyWay Corporate Mastercard, 24/7 support.
• 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 for details), unlimited revenue, 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: Users generally appreciate OneMoneyWay for its excellent customer service and quick response times. One positive comment from Axel states, "OMW really deserve 5 stars. Immediate reaction once I applied. Special mention for DENNI." However, a negative comment from Simon highlights, "Read the conditions carefully and disregard verbal promises. Verbally promised me that I could freeze the account, but I was billed as soon as the account was created." For more details, visit the Trustpilot OneMoneyWay Reviews page.

10. 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, and smarter spending.

• 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, automate expense management, savings with daily returns, sync with accounting software, link business tools via API, access to 45+ million Revolut customers, analytics tools, manage currency risk with forward contracts, control all companies from one app.
• Pricing:
  • Basic Plan: £0/month, includes local & global account details, team members, physical & virtual cards, online & in-person payments.
  • Grow Plan: From £19/month, includes everything in Basic plus exchange up to £10,000 monthly at the interbank rate, savings interest, spend controls, bulk payments.
  • Scale Plan: From £79/month, includes everything in Grow plus exchange up to £50,000 monthly at the interbank rate, more no-fee transfers, higher savings interest.
  • Enterprise Plan: Custom pricing, includes fully customizable allowances, highest savings rate, specialized account management.
• Testimonials: Users generally appreciate Revolut for its convenience and efficiency. One positive comment from Kavita Gunaratne states, "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, a negative comment from Nicolas Huynh highlights, "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 details, visit the Trustpilot Revolut Reviews 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 fiat and cryptocurrency transactions, exceptional customer support, and comprehensive account services. Whether you're a startup, a growing business, or a Web3 company, OneSafe provides a robust and flexible solution to manage your finances efficiently. Although any of these platforms could be a good choice, we recommend OneSafe if you're looking for a reliable and innovative alternative to streamline your financial operations.