Top 10 Alternatives to Roma

In this article, we will explore various alternatives to Roma, a company known for bridging the gap between fiat and digital assets for institutions. Roma offers services such as seamless on-ramp and off-ramp support, over-the-counter trading, and enterprise-grade security features. Let's delve into what Roma does and examine other options available in the market.

Reviews

Users have shared a mix of positive and negative feedback about Roma. On the positive side, many appreciate the seamless conversion between fiat and digital assets, as well as the competitive exchange rates. The 24/7 OTC trading platform and fast settlement times have also been highlighted as beneficial. However, some users have expressed frustration with the occasional delays in customer support response times and the complexity of the account setup process. Overall, while Roma's services are generally well-received, there are areas where users feel improvements could be made.

• "The exchange rates are fantastic, and the platform is very reliable." - John D.
• "Customer support can be slow at times, which is frustrating when you need quick assistance." - Sarah K.

For more detailed reviews, visit Roma Global Reviews.

Best alternatives to Roma

1. OneSafe

OneSafe is a financial technology company offering a comprehensive financial platform for startups and businesses operating in both fiat and cryptocurrencies. It provides services such as global payments, corporate cards, and seamless currency conversions, tailored for the modern digital-first world.

• All-in-one platform, simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security.
• 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 Swift for international wires, $20 for Fedwire, 1% FX fee on corporate cards, 0.1% fee for USDT transactions, fiat to crypto conversion included.
• Users rave about OneSafe's exceptional customer support and game-changing solutions. Testimonials highlight its seamless currency conversion and the significant impact on payroll and banking processes. For more details, visit the OneSafe website.

2. 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, proprietary local payments network.
• Pricing:
  • Explore Plan: $0 or $29 per month, free transfers to 120+ countries, interbank FX rates, multi-currency company and employee cards.
  • Grow Plan: $99 per month, includes everything in the Explore plan plus international batch transfers, more free company cards, expense management.
  • Accelerate Plan: $499 per month, includes everything in the Grow plan plus enterprise capabilities like centralized management of finances across global entities.
  • Custom Plan: Tailored pricing for high-volume businesses, custom API implementations, and embedded finance solutions.
• Testimonials:
  • Positive: "I’ve been using Airwallex for managing our business transactions, and it’s been a real time-saver. The app is intuitive, making it easy to handle multi-currency accounts and international payments without the usual hassle." - Wong Loke Hsien
  • Negative: "They suddenly started to refuse money transfer for no reason. They won’t tell me why or how to solve the situation. So basically I can’t continue operation with my company, and I’m stuck." - Pierrick C
  For more detailed reviews, visit the Airwallex Reviews page.

3. 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 starting 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, merchant accounts with bi-weekly settlements and online shop transformation.
• Pricing: Business Account setup fee: £35.00, Business Account maintenance per month: £20.00, Private Account setup fee: £25.00, Private Account maintenance per month: £10.00, local transfers in GBP and EUR are free, incoming international transfer fee: £25.00, currency exchange fee: 0.35%, card issue fee: £15.00, no monthly card fees, ATM withdrawal fees: £1.50 domestic and international, acquiring fees starting from IC++0.35% for low-risk payments.
• Testimonials: Users generally appreciate Ampere's customer service and ease of use. One positive review from Balaji Pawar states, "I’ve been with Ampere for a while, and I can confidently say their customer service is one of the best I’ve experienced." On the other hand, a negative review from Jaeme mentions, "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 the Ampere Reviews page.

4. Reap

Reap provides financial solutions that enable businesses to thrive in a connected and borderless world. Their offerings include corporate credit cards, payment solutions, and API infrastructure for custom financial services.

• Unique Features: Reap Card with flexible repayment options in fiat and digital currencies, Reap Pay supporting payments in preferred currencies, Card Issuing API for launching custom card programs, Payment API for advanced cross-border payouts, PCI compliance, MSO licensing in Hong Kong, fraud prevention tools like Chainalysis, secure sandbox testing, robust API documentation, rapid deployment, dedicated support.
• Pricing: Free physical and virtual cards, free annual fee, monthly bill repayment with fiat currency (free) and stablecoins (1.2% handling fee), 2% ATM withdrawal fee, 2% FX fee, available card currencies: USD, HKD, 1:1 collateral ratio, free mobile payment options (Apple Pay / Google Pay), free mobile app, branded card issuance via API (contact sales), 1.8% fee for bank transfers with Reap Card, 0.8% fee for bank transfers with stablecoins, $25 cross-border payment fee, 0-5 USD local payment fee, variable FX fee, no extra fee for T+1 day payouts, free card-level and team-level spend controls, unlimited team members, free multi-entity management, free real-time spend analytics, free Xero integration, free receipt collection and auto-matching.
• Testimonials: Users generally appreciate Reap's user-friendly onboarding and helpful team. One positive review states, "Reap had a very user-friendly onboarding experience. The team is friendly and helpful. The product (REAP card) is very easy to use and helps with our operations a lot." On the downside, a user mentioned, "The only downside would be limitations in terms of setting categories. However, I discussed this with their product team and they are going to look into it. Very helpful!" For more detailed reviews, visit the Reap Card Reviews page.

5. Wallester

Wallester Business offers a comprehensive platform for managing corporate expenses through virtual and physical cards. It provides real-time card issuance, expense control, and integration with various financial processes. The platform is designed to streamline corporate financial management, offering features like transaction monitoring, payment approvals, invoicing, budget management, and detailed reporting. Wallester Business is recognized for its innovative solutions in the fintech industry, winning awards for its expense management platform.

• Unique Features: Instant card issuance, real-time transaction monitoring, payment approvals, instant virtual cards for online advertising, invoicing and budget management, detailed reporting, customizable API for workflow integration, no set-up or monthly fees, IBAN account in EUR with no commission transactions.
• Pricing:
  • Free Package: €0 per month, includes 300 virtual cards, unlimited physical cards, unlimited users, real-time support, open developer API, and onboarding assistance.
  • 3000 Virtual Cards Package: €199 per month, additional €0.20 per month per extra virtual card, unlimited physical cards issuance.
  • 15000 Virtual Cards Package: €999 per month, additional €0.10 per month per extra virtual card, unlimited physical cards issuance.
  • Custom Solutions: Contact Wallester for tailored solutions.
• Testimonials: Users generally appreciate Wallester's user-friendly platform and efficient customer support. One positive review states, "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, a user mentioned, "Bunch of scammers with terrible support. They will suspend your account and hold your money." For more detailed reviews, visit the Wallester Reviews page.

6. 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, and tools to automate and scale business operations.

• Unique 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, capture bills with AI, sync accounting software, reconcile expenses rapidly, link business tools via API, access analytics, savings with daily returns, currency risk management, control over multiple business entities from one app, boost sales 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, access 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 full custom build, customise allowances for transfers & currency exchange, secure 3.51% on Savings, specialised account management.
• Testimonials: Users generally appreciate Revolut's user-friendly interface and quick transaction times. One positive review states, "Revolut app has a very user friendly interface. Its functionality allows to make transactions in a matter of seconds which is extremely important these days. Transferred amounts arrive at recipients very quickly too." On the downside, a user mentioned, "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 detailed reviews, visit the Revolut Reviews page.

7. 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.

• Unique Features: Quick account setup, multiple bank accounts, mobile payment solutions, automation tools, high-interest savings, shared access, local and multi-currency IBANs, powerful cards, sustainable banking, web access.
• Pricing: Easy Bank Pro XL: €23.99/month, Easy Bank Pro: €13.99/month, Easy Bank: €7.99/month, Easy Savings: Free, Easy Card: Free.
• Testimonials: Users generally appreciate Bunq's innovative features and high-interest rates. One positive review states, "Bunq knows how to make customers satisfied cuz they never stop adding new features and bonuses. 🙌 I’m glad to be a part of such a nice financial bank and I feel young 🤪 when I’m using their services." On the downside, a user mentioned, "The fact that Bunq’s customer service took a full six months to respond only further highlights how poorly organized Bunq must be. In my view, such disarray is unacceptable for a bank where people entrust their savings." For more detailed reviews, visit the Bunq Reviews page.

8. Blank

Blank is an online banking service tailored for independent professionals and small businesses in France. It offers a range of features including an online professional account, Visa Business card, invoicing, encashment options, and professional insurance.

• Unique Features: Online account opening in 5 minutes, Visa Business card with high spending limits, automated Urssaf declarations, comprehensive support available 7 days a week, 3D Secure for transaction protection, deposits guaranteed up to €100,000, customized insurance solutions, access to partner offers.
• Pricing: The pricing details can be accessed through the "Nos tarifs" section on the Blank website. Users are encouraged to visit the page to discover the different pricing offers available.
• Testimonials: Users generally appreciate Blank's ease of use and comprehensive features. One positive review states, "simple, facile d'utilisation et claire" - Jean Baron. On the downside, a user mentioned, "Ces une banque de voleur attention il bloque les virements entant pendant plus de un mois ou les refuse attention" - Jerome Marzeliere. For more detailed reviews, visit the Blank Reviews page.

9. Wise

Wise offers an international multi-currency account that allows users to send, receive, and manage money globally with low fees and no hidden charges. The service is used by millions of people and businesses to handle international financial transactions efficiently.

• Unique Features: Multi-currency account, low fees on international transfers, Wise debit card for global spending, earn interest on balances, regulated by the FCA, robust security measures, available in numerous countries, business accounts for international transactions.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, holding money in over 40 currencies is free, receiving local payments is free, receiving USD wire and Swift payments costs $6.11 USD, and receiving CAD Swift payments costs $10 CAD. Receiving Swift payments in 21 currencies is free, though correspondent banks might charge fees.
• Testimonials: Users generally appreciate Wise's ease of use and low fees. One positive review states, "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." On the downside, a user mentioned, "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 the Wise Business Reviews page.

10. RelayFi

Relay is an online business banking platform that offers small businesses complete control over their earnings, spending, and savings. It provides various banking services such as business checking and savings accounts, receipt management, accounts payable, and the Relay Visa® Credit Card. Relay integrates with popular accounting and payroll software, making it easier for businesses to manage their finances.

• Unique Features: No account fees, multiple checking and savings accounts, physical and virtual cards, credit cards with cash back, payment options via ACH transfer, wire, and check, direct integrations with QuickBooks Online and Xero, receipt management, FDIC insurance, Visa® Zero Liability Protection, security features like two-factor authentication and biometric security, Profit First banking.
• Pricing:
  • Relay: $0 per month, includes no account fees, 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, integration with QuickBooks Online and Xero.
  • Relay Pro: $30 per business per month, includes everything in the basic Relay plan, faster same-day ACH, free outgoing wires, auto-import bills from QuickBooks Online or Xero, review and approve bills in one dashboard, create approval rules for bill payments, consolidate payments to the same vendor into a single transaction.
  • Relay Pro for Accountants & Bookkeepers: $30 per client per month, includes features tailored for managing accounts payable for clients, role-based access for firm staff, client portal.
  • Partner Program: 5% revenue share, 15% Relay Pro discount per client.
• Testimonials: Users generally appreciate Relay's customer service and comprehensive features. One positive review states, "No joke, the best customer service experience I have had in life to date. I'd take someone with half of her effort any day of the week. She went above and beyond." - Adam Harmon. On the downside, a user mentioned, "Apparently Turkish Citizens are banned from opening an account. Can't even select Turkey as citizenship during setup. I have a US business and have US bank accounts, never seen this before. Since we can't access their product due to their discriminatory business policy, I have no option than to leave a 1 star, since the product excludes me personally due to my nationality." - Mert. For more detailed reviews, visit the Relay Financial 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 comprehensive all-in-one solution, exceptional customer support, and seamless currency conversion. Whether you're a startup or an established business, OneSafe provides a robust platform that simplifies financial management and supports growth in both fiat and cryptocurrencies. While any of these options could be a good fit depending on your specific requirements, we recommend considering OneSafe if you're looking for a reliable and innovative alternative to streamline your financial operations.