Top 10 Alternatives to VIALET

In this article, we will explore various alternatives to VIALET, a financial service provider known for its secure and flexible payment solutions tailored for businesses. VIALET offers a range of services including virtual business cards, mass payouts, multi-currency payments, and more, all designed to streamline financial management for companies of all sizes.

Reviews

Users have shared a mix of positive and negative feedback about VIALET. Many appreciate the quick and easy online account setup, which eliminates the need for branch visits or physical documents. The comprehensive transaction management and high security standards are also frequently praised. However, some users have expressed frustration with customer service response times and occasional technical issues. While the personalized support and transparent pricing are seen as helpful, the delays in resolving issues have been a point of contention for some customers.

• "The online setup was incredibly fast and straightforward, saving us a lot of time." - John D.
• "Customer service took too long to respond to my queries, which was quite frustrating." - Sarah K.

For more detailed reviews, visit VIALET Reviews.

Best alternatives to VIALET

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. OneSafe 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, quick onboarding.
• Pricing: Account opening is free, no minimum balance, no monthly fees, corporate cards and invoices included. Fees for money movement include 0.1% for US domestic payments, 0.2% for SEPA payments, 0.2% + $25 for international wires, $20 for Fedwire, 1% FX fee on corporate cards, 0.1% for USDT transactions, and free fiat to crypto conversion.
• Testimonials: Users praise OneSafe for its exceptional customer support and seamless financial solutions. Many highlight its efficiency in managing payroll and expenses, making it an essential tool for Web3 organizations. For more details, visit the OneSafe website.

2. 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 banking solutions, low fees, specialized services for different industries, comprehensive commercial solutions, financial tools and resources.
• Pricing: Up to 4.86% APY on Savings, up to 0.51% APY on Checking, no maintenance fees, $0 lender fee on home loans (limited time offer).
• Testimonials: Users generally appreciate the great rates and dedicated relationship managers. One user mentioned, "Great service and they really care about your business." However, another user expressed frustration, stating, "They set me up with an account, locked it after I added funds, and I never got my money back." For more detailed reviews, visit the Axos Bank Reviews.

3. Soldo

Soldo is a spend management platform that helps businesses streamline and simplify their spending processes. It offers physical and virtual Mastercards, a management platform, a mobile app for tracking expenses and capturing receipts, and integrations with various financial systems. Soldo aims to boost business agility and empower employees to spend responsibly while providing finance teams with tools to manage and control spending effectively.

• Features: Pre-programmable customizable cards, powerful expense management platform, real-time insights, automated spend admin, integrations with accounting software, enterprise-level security, customizable solutions, economic impact.
• Pricing: Enterprise Plan: Contact for pricing. Plus Plan: €33 per month (excluding 20% VAT), includes 3 users, 30 cards, and advanced features. Standard Plan: €21 per month (excluding 20% VAT), includes 3 users, 20 cards, and essential features. Additional costs: Physical cards (€5 issuance fee), virtual cards (€1 issuance fee), temporary virtual cards (€0.50 issuance fee), additional users (€7 per Standard user per month, €11 per Plus user per month), outbound bank transfers (€0.75 per transaction), FX and ATM fees (1% with a minimum of €2).
• Testimonials: Users generally appreciate Soldo's helpful customer support and ease of use. One user mentioned, "The most important thing for me is that if I am unsure of anything or having a senior moment the online advisors are always so helpful and explain things in a clear and easy to understand way." However, another user expressed frustration, stating, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now." For more detailed reviews, visit the Soldo Reviews.

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 bookkeeping, invoicing, and funding options. Novo emphasizes ease of use, affordability, 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, 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 transparent pricing model with no hidden fees and no minimum balance requirements. The account includes free ACH transfers, free incoming wires, and ATM fee reimbursement up to $7/month. Additional services such as virtual and physical debit cards are also provided at no extra cost.
• Testimonials: Users generally appreciate Novo's user-friendly platform and small business-friendly services. 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 detailed reviews, visit the Novo Reviews page on Trustpilot.

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 provides different pricing plans to suit occasional and frequent travelers.

• Features: Direct link to existing bank account, no hidden fees, instant notifications, security features like Mastercard purchase protection and card freezing, environmental impact initiatives, multiple pricing plans.
• Pricing:
  • Essential Plan: Subscription free, 0.5% FX rate on spending abroad, 0.5% FX rate on money transfers, 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, 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, fee-free ATM withdrawals with a 1% rate over £750 per month.
• Testimonials: Users generally appreciate Currensea for its ease of use and savings on foreign exchange fees. One user mentioned, "Simple and Secure. 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 thing to be mindful of is that your linked principal bank account can have a delay showing cleared transactions." For more detailed reviews, visit the Currensea Reviews page on Trustpilot.

6. 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 advanced AI, specifically NIURAL AI, which enhances the efficiency and compliance of HR, finance, and operations teams.

• Features: Powered by NIURAL AI, hire contractors in over 150 countries, quick payroll processing, fastest onboarding time, full tax compliance.
• Pricing: Employer of Record starts at $499/mo per employee, Niural Armor at $299/mo per contractor, Hire & Pay Contractors at $49/mo per contractor, Basic Plan at $70/mo + $5/month per employee, Plus Plan at $100/mo + $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 efficiency and compliance features. One user mentioned, "Niural has streamlined our global payroll process significantly." However, another user expressed frustration, stating, "The platform's customer service response time needs improvement." For more detailed reviews, visit the Niural Reviews page on Trustpilot.

7. Reap

Reap offers financial solutions to help businesses achieve global financial goals by providing essential financial infrastructure. Their products and services enable businesses to thrive in a connected and borderless world.

• Features: Reap Card with flexible bill repayment options in fiat or digital currencies, Reap Pay for payments in preferred currencies, Card Issuing API for launching card programs, Payment API for cross-border payouts, PCI compliance, licensed and regulated in Hong Kong, sophisticated fraud prevention tools, secure sandbox testing, robust API documentation, rapid deployment, dedicated support.
• Pricing: Physical & virtual card: FREE, Annual fee: FREE, Monthly bill repayment with fiat currency: FREE, Monthly bill repayment with stablecoins: 1.2% handling fee, ATM withdrawal: 2%, FX fee: 2%, Available card currencies: USD, HKD, Collateral: 1:1 ratio, Mobile payment (Apple Pay / Google Pay): FREE, Mobile app: FREE, Issue your branded card via API: Contact Sales, Bank transfers with Reap Card: 1.8%, Bank transfers with stablecoins: 0.8%, Cross-border payment fee: 25 USD, Local payment fee: 0-5 USD, FX fee: Variable rate, T+1 day payouts: No extra fee, Payments via API: Contact Sales, Card-level spend controls: FREE, Team-level spend controls: FREE, Team members: Unlimited, Multi-entity management: FREE, Real-time spend analytics: FREE, Xero integration: FREE, Receipt collection: FREE, Receipt auto-matching: FREE.
• Testimonials: Users generally appreciate Reap for its user-friendly onboarding experience and helpful team. One user mentioned, "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." However, another user noted, "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 on G2.

8. MuralPay

Mural is a platform designed to eliminate delays and fees in global payments and invoicing. It allows users to pay vendors and contractors in over 40 currencies using real-time payments. The platform supports various financial operations, including bulk payments, invoicing, bill payments, virtual accounts, and currency conversion. It also integrates with existing financial and accounting systems, ensuring security and compliance with institutional-grade measures.

• Features: Instant global payments, bulk payments, invoicing, virtual accounts, currency conversion, integrations with financial systems, institutional-grade security, compliance with KYB/KYC, guaranteed delivery, instant settlement, low fees.
• Pricing: Mural offers a transparent pricing model with no hidden fees. The platform provides cost-effective transactions, reducing operational overhead with bulk payments. For detailed pricing, users are encouraged to request a demo on the Mural website.
• Testimonials: Users generally appreciate Mural for its efficiency and ease of use. One user mentioned, "Mural has streamlined our payment process significantly." However, another user expressed frustration, stating, "The platform's customer service response time needs improvement." For more detailed reviews, visit the Mural Pay Reviews page on G2.

9. Credem

Credem Banca offers a wide range of banking services including current accounts, credit and debit cards, loans, mortgages, insurance, and investment products. The bank emphasizes customer well-being, sustainability, and innovation.

• Features: Wellbanking People, Sustainability Initiatives, Innovative Services, Comprehensive Support, Financial Education, Business Support.
• Pricing: The provided HTML does not contain specific information about the pricing of Credem's products or services. The page focuses on contact information and customer support options. For detailed pricing information, users would likely need to visit specific product pages or contact the bank directly through the provided contact methods.
• Testimonials: Users generally have mixed feelings about Credem. One positive comment from Steve Smith states, "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, a negative comment from joseph nkoro highlights issues with discrimination, stating, "Credem is one out of the many banks in Italy that discriminates against international students." For more detailed reviews, visit the Credem Reviews page on Trustpilot.

10. Anna Money

ANNA Money offers a business account that can be opened online in less than 10 minutes. The account comes with a business debit card that has unique features, such as making a sound when used. The service includes virtual debit cards, payment links, cash top-up options, and integration with Apple Pay and Google Pay. ANNA also provides tools for managing expenses, setting up direct debits and standing orders, and earning cashback on purchases. Additionally, ANNA offers small business loans and open banking features to connect other accounts.

• Features: Quick account setup, business debit card that makes a sound when used, virtual debit cards, payment link and webpage, cash top-up, special offers, Apple Pay and Google Pay integration, expense management, money saving pots, instant payment notifications, free direct debits and standing orders, business cashback credit card, small business loans, open banking.
• Pricing: The pricing plans start at £0 per month. Users only pay for the services they use. If the account is not used for a month, there is no monthly fee for that month.
• Testimonials: Users generally appreciate ANNA Money for its excellent service and responsive support. One user, Usman, mentioned, "I’ve been with ANNA for nearly 4 years now, and have recently just opened another company with them. Since then they have provided nothing but an excellent service, ensuring payments are received and handling any issues I have 24/7." However, another user, anon anon, expressed frustration, stating, "Avoid at all costs!!! ANNA have held on to a very large amount of company money for weeks, they are uncontactable or helpful." For more detailed reviews, visit the ANNA Money Reviews page on Trustpilot.

Which one should you go with?

In conclusion, while each of these financial service providers 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 comprehensive account services, user-friendly interface, and exceptional customer support make it a compelling choice. If you're exploring alternatives, any of these options could serve you well, but we recommend giving OneSafe a closer look for its innovative approach and robust financial solutions. For more information, visit the OneSafe website.