Top 10 Alternatives to Vivid Business

In this article, we will explore alternatives to Vivid Business, a financial platform tailored for companies and freelancers. Vivid Business offers a range of features including fast registration, German IBANs, instant transfers, and a suite of financial tools designed to help businesses thrive. Stay tuned as we delve into other options that might suit your business needs just as well.

Reviews

Users have shared a mix of positive and negative feedback about Vivid Business. Many appreciate the platform's fast registration process, the availability of German IBANs, and the convenience of instant transfers. The comprehensive financial tools and the cashback program are also frequently highlighted as beneficial features. However, some users have expressed frustration with customer service response times and occasional technical issues. Despite these concerns, the overall sentiment remains largely positive, with users finding the platform's features helpful for managing their business finances.

• "The fast registration and instant transfers have been a game-changer for my business." - John D.
• "Customer service could be more responsive, but the financial tools are top-notch." - Sarah K.

For more detailed reviews, visit Vivid Money Reviews.

Best alternatives to Vivid Business

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, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security.
• Account opening: Free, Minimum balance: $0, Monthly fees: None, Corporate cards: Included, Invoices: Included, US domestic payments: 0.1% fee, 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 to crypto conversion: Included.
• Users rave about OneSafe's exceptional customer support and innovative solutions. Testimonials highlight its seamless USD to USDC conversion, simplified payroll, and efficient banking processes. For more details, visit the OneSafe website.

2. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies with low fees and no hidden charges. The service is designed for individuals and businesses, providing features like multi-currency accounts, international money transfers, Wise debit cards, and earning interest on balances. Wise is regulated by the Financial Conduct Authority and is trusted by millions of customers worldwide.

• Unique Features: Multi-currency account, low fees, Wise card, interest on balances, fast transfers, high security, business accounts, customer trust.
• 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 in specific currencies is free, receiving USD wire and Swift payments costs $6.11 USD per payment, and receiving CAD Swift payments costs 10 CAD per payment.
• Testimonials: Users generally appreciate Wise for its ease of use and low fees. One user mentioned, "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, another user criticized the customer support, stating, "Customer Support is the worst among all the products that I used, they're just incompetent." For more detailed reviews, visit the G2 Wise Business Reviews.

3. Soldo

Soldo is a spend management platform that provides physical and virtual Mastercards, a management platform, and a mobile app to track expenses and capture receipts. It integrates with various financial systems to streamline business spending, offering a customizable solution that adapts to different company sizes and budget complexities.

• Unique Features: Pre-programmable customizable cards, powerful expense management platform, integrations with financial systems, real-time insights, enterprise-level security, automated spend admin, customizable solution.
• Pricing: The Enterprise Plan offers a customizable solution for large organizations with unlimited users and cards, and pricing is available upon request. The Plus Plan costs €33 per month (excluding 20% VAT) and includes 3 users and 30 cards, among other features. The Standard Plan costs €21 per month (excluding 20% VAT) and includes 3 users and 20 cards. Additional fees apply for card issuance, users, and bank transfers.
• Testimonials: Users generally appreciate Soldo for its helpful customer service and efficient spend management. One user mentioned, "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." For more detailed reviews, visit the Trustpilot Soldo Reviews.

4. Fiducial Banque

FIDUCIAL Banque offers an online banking account specifically designed for professionals, starting at 12€ HT/month. The service includes a dedicated advisor, a wide range of banking services, and 24/7 access through a client space and mobile application. The bank is recognized for its competitive pricing, comprehensive service offerings, and strong support from the FIDUCIAL Group.

• Unique Features: Dedicated advisor, licensed by ACPR, comprehensive payment methods (CB, cheques, SEPA transfers, international transfers, cash), complete banking services (placements, financings), 24/7 availability, transparent pricing, 100% French-based, awarded best online bank for professionals in 2024.
• Pricing: The professional account starts at 12€ HT/month.
• Testimonials: Users have mixed feelings about FIDUCIAL Banque. One user mentioned, "I am personally very satisfied with this bank. It is the only one that offers a dedicated advisor." However, another user criticized, "A group of scammers Fabien Thomas a dishonest and vicious salesperson who does not keep his commitments." For more detailed reviews, visit the Trustpilot Fiducial Reviews.

5. Brex

Brex is a financial technology company offering a comprehensive suite of financial services including corporate credit cards, expense management, business banking, bill pay, accounting automation, and travel management. Their platform leverages AI to automate financial processes, providing real-time tracking and control over expenses, and is designed to support businesses at various stages of growth from startups to enterprises.

• Unique Features: AI-powered automation, global reach in 120+ countries, 4.24% yield on business accounts, auto-enforced spend controls, up to 20x higher credit limits, tailored financial solutions for various business sizes, integrated travel management, comprehensive financial stack, high security and compliance.
• Pricing: The Essentials Plan is free per user per month and includes global card acceptance, AI-powered custom rules, accounting integrations, and more. The Premium Plan costs $12 per user per month, offering additional features like multiple customizable expense policies and advanced approvals. The Enterprise Plan has custom pricing and includes all Premium features plus unlimited entities, local card issuance, and more. The Smart Card also has custom pricing and offers global cards accepted worldwide and custom approvals.
• 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. We moved all of our business banking over to their platform." However, another user criticized, "When typing in descriptions or other details on the app, if you make a mistake, you always have to delete whatever you typed and start all over." For more detailed reviews, visit the G2 Brex Reviews.

6. Propulse by CA

Propulse by Crédit Agricole is a 100% online professional account service designed to support entrepreneurs in managing their business finances. It offers a comprehensive suite of tools and resources, including a Visa Business card, invoicing and quoting tools, simplified accounting, and automatic URSSAF declarations. The service is available with no commitment, starting at 8 € HT/month, with the first month free.

• Unique Features: Fully online professional payment account, quick setup in less than 5 minutes, payment limits up to 40,000 € per month, integrated invoicing tools, automatic URSSAF declarations, comprehensive support with over 1500 articles and guides, free business plan tool, insurance coverage included.
• Pricing: The service starts at 8 € HT/month with no commitment, and the first month is free.
• Testimonials: Users generally appreciate the ease of use and helpful features of Propulse by CA. One user mentioned, "L’application pour iPhone est très claire, simple et efficace." However, another user noted, "Franchement super application mais dommage que les virements instantanée sont pas disponibles et l'envoie des factures ou devis depuis l'application." For more detailed reviews, visit the Trustpilot Propulse Reviews.

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. Bunq provides multiple features such as creating up to 25 bank accounts, accepting contactless payments, automation tools for bookkeeping and VAT, high-interest rates on savings, collaborative account management, and environmental initiatives.

• Unique Features: Create up to 25 bank accounts, accept contactless payments using the bunq app, automation tools for bookkeeping and VAT, earn 1.05% interest on EUR and 2.3% on USD and GBP, share account access with co-directors and employees, open accounts with IBANs from multiple countries and in 22 currencies, virtual and physical Mastercards with real-time notifications, plant trees with every card use, manage business accounts from any device using bunq Web.
• 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 for its innovative features and high-interest rates. One user mentioned, "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." However, another user criticized, "Earlier this year, on May 6, 2024, I posted a review about Bunq Bank. My main complaint in that review was that the bank’s customer service is barely reachable; instead of responding within the promised 'few business days,' it can take ages to receive any kind of follow-up to a submitted inquiry." For more detailed reviews, visit the Trustpilot Bunq Reviews.

8. Novo

Novo offers a business checking account with no hidden fees, no monthly fees, and no required minimum balance. The account is 100% online, allowing users to manage their business finances without upfront costs or sneaky charges. Users can access their funds globally, anytime, on both desktop and mobile platforms.

• Unique Features: No hidden fees, no minimum balance, 100% online, free ACH with low-cost express availability, free incoming wires, free physical and virtual debit cards, ATM fee reimbursement, AI-powered bookkeeping, exclusive partner discounts, fraud monitoring, FDIC insurance.
• Pricing: Novo offers a straightforward pricing model with no hidden fees, no monthly fees, and no minimum balance requirements. Users can enjoy free ACH transfers, free incoming wires, and up to $7 per month in ATM fee reimbursements.
• Testimonials: Users generally appreciate Novo for its ease of use and small business-friendly features. One user mentioned, "Novo is super easy to use and has become an absolute lifeline for my business." However, another user criticized, "This bank is terrible. My account was closed due to inactivity without any notification." For more detailed reviews, visit the Trustpilot Novo Reviews.

9. 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 business growth through various financial products and services.

• Unique Features: Manage all banking tasks from a single dashboard, set auto-transfer rules, send free USD wires, unlock credit cards with low deposit minimums and earn 1.5% cashback, FDIC insurance up to 20x the industry standard, AI-powered bill pay, seamless invoicing, expense management, sync transactions with accounting software like QuickBooks and Xero, earn high yields on idle cash with Mercury Treasury, access venture debt and fundraising tools like SAFEs, connect with a network of investors, founders, and experts through Mercury Raise.
• Pricing: Mercury offers three pricing plans: Mercury at $0/month, Mercury Plus at $35/month, and Mercury Pro at $350/month. The basic plan includes essential business banking features, while the Plus and Pro plans offer advanced features like recurring invoicing, enriched NetSuite automations, and dedicated support.
• Testimonials: Users generally appreciate Mercury for its ease of use and powerful API. One user mentioned, "The application process was very simple and the approval came within 24 hours. I use Mercury for all my business endeavors." However, another user criticized, "Mercury closed my account with funds inside and refuses to even respond to any of my emails." For more detailed reviews, visit the Trustpilot Mercury Reviews.

10. Finom

Finom offers a business account with features like cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration. The account can be opened online and provides benefits such as a German IBAN in 24 hours, international payments, up to 3% cashback, and personal assistance within 1 minute.

• Unique Features: German IBAN in 24 hours, international payments, up to 3% cashback, personal assistance in 1 minute, €0 tariff plan for freelancers, free cards, simple invoicing, safe access for employees and accountants, reconciliation and money collection tools, analytic data reports, accounting software integrations, support for companies under registration.
• Pricing: The Corporate Plan starts from €149 per month (paid monthly) or €119 per month (paid annually). The Enterprise Plan starts from €339 per month (paid monthly) or €249 per month (paid annually). Additional fees apply for services like extra team members, ATM withdrawals, and international payments.
• Testimonials: Users generally appreciate Finom for its customer-friendly approach and fast support. One user mentioned, "Very customer friendly, especially if you are expat in Germany and looking for modern bank, with very fast and helpful support (special thanks to Andrea) and more important - English speaking." However, another user criticized, "Crap company, asked to send a few documents, I did try everything then closed bank account, thanks ok coz I got another one with rebolut,and also they have roved me 18 euros. Never again with fenon,and I will tell everyone I know about fenon nmbeen crap." For more detailed reviews, visit the Trustpilot Finom Reviews.

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 innovative solutions. Whether you're a freelancer, a startup, or an established enterprise, OneSafe provides a comprehensive suite of services designed to simplify your financial operations. Although any of these options could be a good fit, we recommend OneSafe if you're looking for a reliable and forward-thinking alternative to Vivid Business. Explore your options and choose the one that best aligns with your business goals.