In this article, we will explore alternatives to Soldo, a spend management platform designed to streamline and simplify business spending. Soldo offers features like company cards, management platforms, mobile apps, and integrations with financial systems, all aimed at increasing business agility and providing real-time insights.
Reviews
Users have shared a mix of positive and negative feedback about Soldo. Many appreciate its user-friendly interface and the control it provides over business spending. They find the platform's real-time insights and integrations with financial systems particularly helpful. However, some users have expressed frustrations, such as initial setup challenges and occasional technical glitches. Overall, the sentiment is largely positive, with users highlighting the time-saving benefits and ease of use.
- "Soldo has given us control over what is being spent. It’s saving us lots of time, and making life easier for employees out in the field." - Vernon
- "Soldo is very user-friendly. Very straightforward. We wanted a system that was as user-friendly as possible." - Niki Clay
For more detailed reviews, visit Soldo Reviews.
Best alternatives to Soldo
1. OneSafe
OneSafe is a financial technology company that provides a comprehensive financial platform designed for startups and businesses operating in both fiat and cryptocurrencies. It offers services such as ACH and wire transfers, bill payments, crypto to fiat conversions, and crypto payments.
- 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 game-changing solutions. It simplifies payroll and expense management, making it an essential tool for Web3 organizations. For more details, visit the OneSafe website.
2. Bunq
Bunq is a digital bank that simplifies business banking with a quick 5-minute setup process and a free 30-day trial for any plan. It offers features like multiple bank accounts, contactless payment options, automation tools, high-interest rates, and collaborative financial management.
- Unique Features: Quick account setup, multiple bank accounts, contactless payments, automation tools, high-interest rates, collaborative financial management, local 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 appreciate Bunq's continuous addition of new features and bonuses, making it a satisfying experience. However, some users have faced issues with slow customer service response times. For more detailed reviews, visit the Bunq Reviews page.
3. 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, helping businesses unlock new opportunities and grow without limits.
- Unique Features: No bank queues or lengthy paperwork, over 85% of transfers arrive within the same day, eliminates unnecessary FX fees, award-winning service team, built for cloud operations, security based on the highest international standards, global compliance management, proprietary local payments network, multi-currency wallet, high-speed transfers.
- Pricing: Explore Plan: $0 or $29/month, Grow Plan: $99/month, Accelerate Plan: $499/month, Custom Plan: tailored pricing. Additional fees include 0.5% above interbank rates for major currencies, 1% for others, $10-30 per SWIFT transfer, $15 per additional employee card user/month, domestic card payments at 1.65% + $0.30, international cards at 3.40% + $0.30, and local payment methods at $0.30 + payment method fee.
- Testimonials: Users generally praise Airwallex for its intuitive platform and excellent customer support. Wong Loke Hsien states, "I’ve been using Airwallex for managing our business transactions, and it’s been a real time-saver." However, some users have faced issues, such as Pierrick C, who mentioned, "They suddenly started to refuse money transfer for no reason." For more detailed reviews, visit the Airwallex Reviews page.
4. Currensea
Currensea is a travel debit card that links directly to users' existing UK bank accounts, allowing them to save on foreign exchange fees when spending abroad. It offers real-time notifications, security features, and works without the need to top up or carry cash.
- Unique Features: Direct link to existing bank accounts, no bank fees abroad, real-time notifications, Mastercard purchase protection, freeze card option, two-factor authentication, spend limits, supports tree planting and plastic bottle recovery projects, offers Essential (free), Premium (£25/year), and Elite (£120/year) plans.
- Pricing: Essential Plan: Free, 0.5% FX rate, 0.5% FX rate on transfers of £100 - £20,000, 0.5% FX rate on ATM withdrawals (2% over £500/month). Premium Plan: £25/year, 0% FX rate, 0.5% FX rate on transfers of £100 - £20,000, fee-free ATM withdrawals (1% over £500/month). Elite Plan: £120/year, 0% FX rate, 0.5% FX rate on transfers of £100 - £20,000, fee-free ATM withdrawals (1% over £750/month).
- Testimonials: Users generally praise Currensea for its ease of use and cost savings. One user mentioned, "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." However, another user noted, "Only one time the system did not work but we had some cash for the small amount of the payment (USD)." For more detailed reviews, visit the Currensea Reviews page.
5. Everestcard
Everestcard is a business credit card solution that offers instant business account setup, multiple Mastercard cards, and automated expense management. It provides exclusive access to Mastercard® Airport Security Fast Track, 100% online management, and modern expense management tools.
- Unique Features: Instant issuance of multiple Mastercard credit cards, exclusive access to Mastercard® Airport Security Fast Track, 100% online management via a dashboard and web app, modern expense management with features like digitalized receipts, real-time control, and automated reports, special offers for startups and founders, individual credit lines for business expenses, mobile app for real-time balance tracking and financial management on the go.
- Pricing: The Everestcard costs 20 EUR per month. The subscription is billed monthly, and users have the flexibility to cancel anytime. The standard 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 user 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." However, another user appreciated the card's features, stating, "The Everestcard has streamlined our expense management process significantly." For more detailed reviews, visit the Everestcard Reviews page.
6. Moss
Moss is a spend management solution that offers real-time tracking of budgets, employee card management, receipt management, and month-end closing processes. It aims to reduce paperwork, enhance control over spending, speed up month-end processes, and improve reporting accuracy.
- Unique Features: Employee cards with adaptable limits and custom approval policies, effortless receipt capture via app or email integrations, real-time, automatically categorized card spend with two-way accounting software integrations, 4.5x ROI, 47% increase in productivity, end-to-end security with GDPR compliance.
- Pricing: Moss Starter is free and includes up to 3 users, unlimited virtual debit cards, 1 physical card per user, web and mobile app access, and standard accounting integrations. Custom packages are available with additional features like advanced controlling, advanced accounting, procurement, and ERP integrations, with pricing based on selected modules and transaction volume.
- Testimonials: Users generally appreciate Moss for its efficiency and ease of use. Farida Fouad mentioned, "Moss is a great financial tool for companies looking for an uncomplicated, straightforward solution with great customer support." However, Pow noted, "It worked really well at first...until their recent make-over update. The website layout is no longer user-friendly, and the customer care team is unresponsive." For more detailed reviews, visit the Moss Reviews page.
7. Brex
Brex offers a comprehensive financial platform that includes modern corporate cards, expense management, business banking, bill pay, accounting automation, and travel management. Their services are designed to help businesses of all sizes spend smarter, automate financial processes, and maximize their financial resources globally.
- Unique Features: AI-powered automation, global reach in 120+ countries, 4.31% yield on business accounts, real-time tracking and AI-powered expense assistant, auto-enforced controls for budgets and spend limits, up to 20x higher credit limits, thousands of two-way ERP integrations, five-star mobile app, 99% expense policy compliance.
- Pricing: Essentials Plan: $0 per user/month, Premium Plan: $12 per user/month, Enterprise Plan: Custom pricing, Smart Card: Custom pricing. Features vary by plan, with Essentials offering global card acceptance and AI-powered custom rules, while Premium and Enterprise plans include advanced features like multiple customizable expense policies and unlimited entities.
- Testimonials: Users generally appreciate Brex for its ease of use and comprehensive features. One user mentioned, "Brex makes expense reporting so simple. The text feature on your phone to record receipts makes it almost impossible to forget to record expenses." 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, even if you started at the beginning. It is so weird. You always have to delete whatever you typed and start all over." For more detailed reviews, visit the Brex Reviews page.
8. Payhawk
Payhawk is a comprehensive spend management platform designed for multi-national businesses. It combines company cards, international bank payments, accounts payable with purchase orders, expense management, bank accounts in dedicated currencies, and leading integrations with ERP and accounting software into one system. The platform offers real-time visibility and control over operational spend, reduces manual work, and speeds up month-end closing.
- Unique Features: Dedicated IBANs in multiple currencies, Visa debit and credit cards in 7 currencies across 32+ countries, fully digitised employee reimbursements and travel expenses, end-to-end software for purchase orders and invoice management, market-leading integrations with ERP and accounting software, significant savings from VAT reclaim and cashback, global card program with advanced spend rules, AI-powered data extraction, low-cost payments in 50+ currencies, centralised multi-entity dashboard, unlimited custom fields for expense categorisation, dedicated customer support, compliance with international security standards.
- Pricing: Payhawk offers three main pricing plans. The Premium Cards plan includes dedicated bank accounts, Visa credit and debit cards, virtual and physical cards, advanced card controls, carbon emissions tracking, automatic expense creation, automated reconciliation, and accounting software integrations. The All-In-One Spend plan includes all Premium Cards features plus expense management, free domestic reimbursements, end-to-end invoice management, advanced approval workflow, budget tracking, and a dedicated customer success manager. The Enterprise plan includes all All-In-One Spend features plus purchase orders with 3-way matching, multi-entity dashboard, enterprise accounting integrations, HR integrations, and SSO/SAML authentication. Additionally, there is a Growth Program priced at £149/month for 24 months, available for businesses with less than 50 employees in the EEA or UK/I.
- Testimonials: Users generally have a highly positive sentiment towards Payhawk, praising its ease of use, helpful support staff, and efficiency in managing expenses. Fabio De La Cruz mentioned, "This is a great payment platform for automated online billing. It has made our bookkeeping so much easier and reduced the administrative time required." However, some users have faced issues, such as Bastian Gotter, who noted, "Payhawk changed their business focus to larger customers and gave me ten business days' notice to close my account. It's just a terrible way to treat and end a relationship with a customer, after 2 years." For more detailed reviews, visit the Payhawk Reviews page.
9. Wallester
Wallester Business offers a comprehensive platform for managing corporate expenses through virtual and physical cards. The platform provides real-time transaction monitoring, instant card issuance, and expense control services. It is designed to streamline financial processes, facilitate media buying, and ensure full spending control. Wallester Business is suitable for any business registered in the EEA and offers various tariff plans, including a free option.
- Unique Features: Instant card issuance, expense control services, no setup or monthly fees, API integration, comprehensive financial management, IBAN account, award-winning platform.
- Pricing: Wallester offers a free package that includes 300 virtual cards and unlimited physical cards with no monthly fees. For more extensive needs, the 3000 Virtual Cards Package costs €199 per month, and the 15000 Virtual Cards Package costs €999 per month. Custom solutions are also available upon request.
- Testimonials: Users generally have mixed feelings about Wallester. Giacomo Solimene praised it as the "absolute number one for business card and global payroll system," highlighting its fast assistance and excellent card design. On the other hand, Mike Ferrab criticized the platform, calling it a "bunch of scammers with terrible support" and mentioning issues with account suspension and money holding. For more detailed reviews, visit the Wallester review page on Trustpilot.
10. Vivid Business
Vivid Europe offers a business account tailored for companies and freelancers, featuring fast registration, German IBANs, instant transfers, and comprehensive financial tools. The account includes benefits like free IBANs, accounting software integrations, high-interest rates, cashback on purchases, and secure fund management.
- Unique Features: Free account with up to 30 German IBANs, 5% p.a. interest rate on positive balance for the first 2 months (then up to 3.5%), cashback on every purchase, SWIFT and SEPA instant transfers, funds invested in AAA/Aaa rated Money Market Funds, compliance with PCI DSS, 3D Secure, and GDPR, team access with personalized permissions, integration with accounting software like DATEV and sevDesk, mobile and web apps for account management.
- Pricing: Vivid Business offers several plans:
- Free Start: €0/month, 5% interest for 2 months then 1%, up to 1% cashback, free virtual and plastic cards, €100,000 card spending limit, 1 team member, 1 account, 5 free outgoing SEPA transfers/month.
- Basic: €7/month (excl. VAT), 5% interest for 2 months then 2%, up to 1% cashback, free virtual and plastic cards, €100,000 card spending limit, 3 team members, 3 accounts, 100 free outgoing SEPA transfers/month.
- Pro: €19/month (excl. VAT), 5% interest for 2 months then 3%, up to 2% cashback, free virtual and plastic cards, €100,000 card spending limit, 10 team members, 10 accounts, 250 free outgoing SEPA transfers/month.
- Enterprise: €79/month (excl. VAT), 5% interest for 2 months then 3.5%, up to 4% cashback, free virtual and plastic cards, €100,000 card spending limit, 30 team members, 30 accounts, 1000 free outgoing SEPA transfers/month.
- Enterprise+: €249/month (excl. VAT), 5% interest for 2 months then 3.5%, up to 5% cashback, free virtual and plastic cards, €200,000 card spending limit, 50 team members, 50 accounts, 1000 free outgoing SEPA transfers/month.
- Testimonials: Users generally appreciate Vivid Business for its comprehensive features and ease of use. One user mentioned, "Keep up the great work, guys! As a newcomer in Germany, I received a personal recommendation to open my account at VIVID. It’s been the best decision ever!" However, another user noted, "Vivid has terminated my account since October and they’re holding 6,700 Euros of my money! If you try to contact them they give the same copy paste response for more than two weeks now, and my money is still stuck with them." For more detailed reviews, visit the Vivid Money Reviews page.
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 comprehensive financial services, exceptional customer support, and seamless integration of fiat and cryptocurrency transactions. Whether you're a startup or an established business, OneSafe provides a robust and user-friendly solution that simplifies financial management. Although any of these alternatives could be a good fit depending on your specific requirements, we recommend OneSafe if you're looking for a reliable and versatile spend management platform. Explore OneSafe today and experience the difference.
