Top 10 Alternatives to Request Finance

In this article, we will explore various alternatives to Request Finance, a platform known for its comprehensive financial solutions for managing both crypto and fiat transactions. We will delve into what Request Finance offers and then present other options that might suit your needs.

Reviews

Users have shared a mix of positive and negative feedback about Request Finance. Many appreciate the platform's efficiency, time-saving features, and compliance with accounting standards. Users have found the interface intuitive and the ability to manage both crypto and fiat transactions particularly helpful. However, some users have expressed frustration with occasional technical glitches and the learning curve associated with the platform's comprehensive features. Overall, the sentiment leans towards satisfaction, with users highlighting the platform's ability to streamline financial operations and improve transparency.

• "The platform has significantly reduced the time we spend on managing crypto payments." - Michael Kong
• "While the features are robust, the initial setup was a bit challenging." - Daniel Lustig

For more detailed reviews, visit Request Finance Reviews 2024.

Best alternatives to Request Finance

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

• Simple onboarding process, global payments in various currencies, user-friendly corporate cards with spend limits, multi-currency support (USD, Euro, CAD, etc.), global accounts for international operations, versatile payment options (wire, ACH, 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 the platform's efficiency and reliability, making it a must-have for Web3 companies. For more details, visit OneSafe.

2. RelayFi

RelayFi is an online business banking platform designed to provide small businesses with comprehensive control over their finances. It offers tools to manage earnings, spending, and savings efficiently.

• Unique Features: Up to 20 individual checking accounts and 2 savings accounts with 1.00%-3.00% APY, physical and virtual cards for business owners and their teams, 1.5% cash back on credit cards, supports ACH transfers, wire, and check payments, direct integrations with QuickBooks Online and Xero, receipt management, role-based user permissions, official banking platform for Profit First Professionals, FDIC insurance up to $3M via Thread Bank, Visa® Zero Liability Protection, two-factor authentication, biometric security.
• Pricing: Relay offers a basic plan with no monthly fee, including essential business banking features such as no account fees, overdraft fees, or minimum balances, up to 20 individual checking accounts, physical or virtual credit and debit cards, payments via ACH transfer, check, and wire, cash withdrawals at Allpoint ATMs, and integration with QuickBooks Online and Xero. The Relay Pro plan starts at $30 per month, offering additional features like faster ACH, free wire payments, auto-import bills from QuickBooks Online or Xero, and consolidated payments to the same vendor.
• Testimonials: Users generally appreciate RelayFi for its ease of use, security, and customer service. One user, Adam Harmon, praised the platform, stating, "No joke, the best customer service experience I have had in life to date." However, not all feedback is positive. Chuck Lu expressed frustration, saying, "TERRIBLE! TERRIBLE! TERRIBLE! services. Took them 7 business days to clear initial ACH deposit to open account and the fund was indeed withdrawn very next day from originating bank." For more detailed reviews, visit Relay Financial Reviews.

3. Wise

Wise offers an international multi-currency account that allows users to send, receive, and manage money globally with low fees and transparent exchange rates. The service is designed for both personal and business use, providing features like international money transfers, a Wise debit card, and the ability to hold and convert money in over 40 currencies.

• Unique Features: Multi-currency account, low fees, guaranteed rates, global account details, Wise debit card, interest on balances, regulatory compliance, security measures, customer trust.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, holding money in your account is free for 40+ currencies, receiving local payments is free, receiving USD wire and Swift payments costs $6.11 USD, and receiving CAD Swift payments costs $10 CAD.
• Testimonials: Users generally appreciate Wise for its ease of use, low fees, and quick transfers. Cherilyn A. praised the platform, saying, "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, not all feedback is positive. A verified user in Information Technology and Services expressed frustration, stating, "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." For more detailed reviews, visit Wise Business Reviews.

4. 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 online in minutes, making it easy for business owners to manage their finances efficiently.

• Unique Features: No monthly fees, personalized invoicing, business savings account with 4.07% AER variable interest, simple accounting integration, 24/7 account monitoring, 24/7 support, payment links, auto-categorization, direct debit management, Apple/Google Pay integration, international payments, CSV exports.
• Pricing: Tide offers a free business current account with no monthly fees. Users only pay for what they use, with low transaction and ATM fees. Additional plans like Plus, Pro, and Cashback accounts are available with varying features and costs.
• Testimonials: Users generally appreciate Tide for its quick account setup and efficient service. Jason K. praised the platform, stating, "A super fast track way of starting a business account in one day." However, not all feedback is positive. Alex expressed frustration, saying, "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 Trustpilot.

5. Credem

Credem Banca offers a wide range of banking services including current accounts, cards, loans, mortgages, and investment options. The bank emphasizes customer well-being, providing simple and transparent solutions tailored to individual and business needs.

• Unique Features: Wellbanking People, Sustainability, Innovation, Financial Education, Green Transition Support, Comprehensive Support, Digital Services.
• Pricing: The provided HTML content does not include specific pricing details for Credem's products or services. The page focuses on contact information and support options rather than detailed pricing information. For pricing details, users are likely directed to specific product pages or advised to contact the bank directly through the provided contact methods.
• Testimonials: Users generally have mixed feelings about Credem. Steve Smith praised the bank, stating, "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, Dan Racioppa expressed frustration, saying, "My experience from the very beginning has been horrible... Customer service is terrible or at least the manager I am dealing with is. Complete waste of my time and taking long to complete a simple process." For more detailed reviews, visit Trustpilot.

6. Airwallex

Airwallex is a global payments and financial platform trusted by over 100,000 companies worldwide. It offers software and APIs to simplify global payments and financial operations, enabling businesses to unlock new opportunities and grow without limits.

• Unique Features: Simple setup, fast transfers, cost-effective, human support, cloud native, high security, global compliance, local payments network.
• Pricing: The Explore Plan is $0 or $29 per month, Grow Plan is $99 per month, Accelerate Plan is $499 per month, and Custom Plan offers tailored pricing. Additional fees include interbank FX rates with a markup of 0.5%-1%, free local transfers to 120+ countries, SWIFT transfers costing $10-30, and various spend user fees and payment transaction fees.
• Testimonials: Users generally appreciate Airwallex for its intuitive interface and efficiency in handling multi-currency accounts and international payments. Wong Loke Hsien praised the platform, stating, "I’ve been using Airwallex for managing our business transactions, and it’s been a real time-saver." However, not all feedback is positive. Pierrick C expressed frustration, saying, "They suddenly started to refuse money transfer for no reason. They won’t tell me why or how to solve the situation." For more detailed reviews, visit Trustpilot.

7. Fiducial Banque

FIDUCIAL Banque offers an online banking account specifically designed for professionals, starting at 12€ HT/month. The service includes a dedicated advisor from the account opening, a wide range of banking services, and 24/7 availability through an online client space and mobile application.

• Unique Features: Dedicated advisor, banking license from ACPR, comprehensive payment methods (CB, cheques, SEPA transfers, international transfers, cash), complete banking services including placements and financing, 100% French-based services, transparent pricing, recognized as the best online bank for professionals in 2024.
• Pricing: The professional account starts at 12€ HT/month.
• Testimonials: Users generally have mixed feelings about Fiducial Banque. One user, SOleil Or, expressed satisfaction, stating, "Je suis personnellement très satisfait de cette banque. C’est la seule qui propose un conseiller dédié... Faites-vous votre propre opinion!" On the other hand, abdel malik Abdel criticized the bank, saying, "Une bande d’escrocs Fabien Thomas un commercial pas honnête et vicieux qui ne tient nullement ses engagements." For more detailed reviews, visit Trustpilot.

8. 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 with quick account opening, low exchange rates, and comprehensive business tools.

• Unique Features: All-in-One Business Current Account, low currency exchange rate of 0.35%, free merchant account set-up with rates from 0.65%, smart invoicing directly from the bank account, quick account opening with GBP and EUR accounts, corporate & private debit card with no monthly fees and flexible repayments, personalized business loans and commercial mortgages with adaptable plans and attractive rates, comprehensive business tools accessible from one app.
• Pricing: Business account setup fee: £35.00, maintenance per month: £20.00, private account setup fee: £25.00, maintenance per month: £10.00, local transfers in GBP and EUR: free, incoming international transfer in GBP/EUR (SWIFT): £25.00, currency exchange (EUR/GBP, GBP/EUR): 0.35% from the exchange amount, card issue: £15.00, ATM domestic and international withdrawal: £1.50, acquiring fee for payments in GBP/EUR/USD: starting from IC++0.35% (low risk) or IC++0.95% (medium risk).
• Testimonials: Users generally have a positive sentiment towards Ampere, appreciating its customer service and reliability. Balaji Pawar praised the platform, stating, "I’ve been with Ampere for a while, and I can confidently say their customer service is one of the best I’ve experienced." However, not all feedback is positive. Jaeme expressed frustration, saying, "Not only the worst bank but possibly the worst company I’ve ever dealt with. Unreliable with your money and transfers and customer service is basically non existent." For more detailed reviews, visit Trustpilot.

9. N26

N26 is a mobile banking service that offers a range of financial products and services through an intuitive app. It provides various account types (Standard, Smart, You, Metal) with features like virtual Mastercard, free ATM withdrawals, 24/7 chat support, and robust security measures.

• Unique Features: Virtual Mastercard, free ATM withdrawals in euros and abroad, 24/7 chat support in five languages, 3D Secure, Mastercard Identity Check, fingerprint and face recognition, protection of funds up to €100,000, instant savings account with competitive interest rates, investment options in stocks, ETFs, and cryptocurrencies, multiple account types, educational content through blog articles and guides.
• Pricing: N26 Standard: €0.00/Month, N26 Smart: €4.90/Month, N26 You: €9.90/Month, N26 Metal: €16.90/Month.
• Testimonials: Users generally have mixed feelings about N26. Spiros Fotis praised the platform, stating, "N26 is one of the best online banks. Many of its features have been adopted by mainstream banks in Greece as part of their effort to digitalise." On the other hand, Amber expressed frustration, saying, "I was quite happy with N26 a few years ago, but it went downhill. I have lost my phone and it is impossible to log in to my account, because the only 2 options are to confirm with my phone or with my phone number, which I both don't have anymore." For more detailed reviews, visit Trustpilot.

10. Mercury

Mercury offers online business banking services designed to simplify financial workflows for startups. The platform provides a range of features including checking and savings accounts, credit cards, bill pay, invoicing, expense management, and accounting automations. Mercury aims to streamline financial operations, enhance security, and support startup growth through various financial products and expert networks.

• Unique Features: Manage banking and financial operations from a single dashboard with quick access to data and actions, set auto-transfer rules, send free USD wires, unlock credit cards with low deposit minimums and earn unlimited 1.5% cashback on all spend, FDIC insurance, regulated partners, fraud monitoring, AI-powered bill pay, seamless invoicing, expense management, accounting automations, earn up to 4.69% yield on idle cash, access venture debt, speed up fundraising with free SAFEs, connect with investors, founders, and experts through Mercury Raise.
• Pricing: Mercury Plan: $0/Month, includes FDIC-insured bank accounts, online ACH, wires, checks, corporate debit & credit cards, up to 4.69% yield with a $500K minimum balance, unlimited bill payments, unlimited invoice generation, reimburse up to 5 users/month, integrations with Xero and QuickBooks. Mercury Plus: $35/Month, includes everything in Mercury plus recurring invoicing, branded invoices, reimburse up to 20 users/month (+$5/additional active user), enriched NetSuite automations. Mercury Pro: $350/Month, includes everything in Mercury Plus plus reimburse up to 250 users/month (+$5/additional active user), advanced workflows, dedicated support, relationship manager guaranteed at $10M+ balance.
• Testimonials: Users generally appreciate Mercury for its simple onboarding process and powerful API. Andrew praised the platform, stating, "The application process was very simple and the approval came within 24 hours. I use Mercury for all my business endeavors. Their powerful API allows me to integrate into other systems that I build for my businesses. Their no-fee approach to things like ACH transfers and wire transfers is truly refreshing." However, not all feedback is positive. Ebraam Mansy expressed frustration, saying, "Mercury closed my account with funds inside and refuses to even respond to any of my emails. Please address my issue before I take legal actions. I had two pending transfers before my account closed and I need them to go through or any other solution." For more detailed reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these 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 financial services. Whether you're a startup or an established business, OneSafe provides a reliable and efficient solution to manage your financial operations. However, the final choice depends on your specific requirements and preferences. Explore these options and choose the one that best aligns with your business goals. For those seeking a robust and versatile alternative, we highly recommend giving OneSafe a try.