For freelancers and small businesses exploring their banking options, Blank presents a specific set of features, but it may not be the right fit for everyone due to certain reported service issues. This article will explain what Blank is, delve into why you might consider other platforms, and outline several alternatives based on your unique business needs.
What is Blank?
Blank is a French company offering online professional accounts tailored for freelancers and small businesses. Their services feature a French IBAN, a Visa Business card, automated Urssaf declarations, and integrated tools for accounting, quotes, and invoices.
The platform operates on three tiered pricing plans, each with a free trial and progressively more features. While many users praise its user-friendly interface, some customer reviews mention issues with account closures and delays in fund transfers.
What to Consider When Selecting a Blank Alternative?
When searching for an alternative to Blank, it's helpful to evaluate platforms based on a few key criteria that align with your business operations:
- Fees and Pricing Structure:Understand the full cost, including monthly subscriptions, transaction fees, and foreign exchange markups, to avoid unexpected charges.
- International Capabilities:Check for multi-currency accounts and competitive rates for cross-border payments if your business operates globally.
- Software Integrations:Ensure the platform connects with your existing accounting software, like Xero or QuickBooks, to automate financial workflows.
- Customer Support:Look into the quality and accessibility of support, as responsive service can be a lifesaver when issues arise.
- Specialized Features:Consider whether you need specific tools, such as advanced expense management, crypto-to-fiat conversions, or industry-specific insurance.
If these factors resonate with your business priorities, explore our curated list of alternatives in the next section.
10 Best Alternatives to Blank
1. OneSafe
OneSafe is a finance platform built to modernize banking for businesses, particularly those operating in the Web3 and crypto industries. We provide the essential tools for straightforward fund management, quick payments, and access to both traditional and digital assets.
Our platform enables a direct 1:1 conversion from USD to USDC on Polygon, simplifying payroll and expense management for global teams. Businesses also benefit from streamlined onboarding, frictionless transfers, and responsive customer support tailored for the digital asset space.
Pricing
Here's a look at our straightforward pricing structure:
- Free Account Services: We don't charge for account opening, maintenance, or card issuance, and there are no monthly subscription fees or minimum balance requirements.
- Low-Fee Domestic Transfers: Our US domestic ACH and wire transfers come with a simple 0.1% fee per transaction, while Fedwire transfers are a flat $25.
- Competitive International Payments: We facilitate global business with a 0.2% fee for SEPA payments and 0.2% plus a $50 SWIFT fee for international wires.
- Transparent Digital Asset Transactions: USDT transactions are just 0.1%, and our direct USD-to-USDC conversions are included at market rates with no hidden fees.
- Simple Corporate Card FX: For any non-USD spending on your corporate card, we apply a clear 3% foreign exchange fee.
Reviews
Clients consistently praise our platform for its exceptional customer support and for solving the unique financial challenges faced by modern businesses, particularly those operating in Web3.
- Amit Chu, Investments @ Celo Foundation: “OneSafe has the best customer support I've ever experienced from a bank.”
- Marco, CEO of Ensuro: “OneSafe is a game-changer. They solve so many headaches for our company. Finally a banking solution that gets it.”
Ready to simplify your business banking? Check us out here.
2. Airwallex
Airwallex is a financial technology company founded in Melbourne, Australia, in 2015, with its headquarters now in Singapore. The company offers a suite of financial services, including cross-border payments, multi-currency business accounts, expense management, and corporate cards.
The platform enables businesses to hold funds in over 20 currencies and facilitates foreign exchange with a markup of 0.5% to 1% above interbank rates. Additionally, it provides free local transfers to more than 120 countries, corporate cards with no international fees, and integration with accounting software like Xero and QuickBooks.
Pricing
Here is a look at Airwallex's pricing structure:
- Free Explore Plan: This plan is free for users who deposit at least $5,000 per month or maintain a $10,000 minimum balance. It includes multiple business accounts and free transfers to over 120 countries.
- $99/month Grow Plan: This plan includes all features of the Explore Plan, adding international batch transfers, expense management, and bill pay services.
- $499/month Accelerate Plan: This option includes all Grow Plan features, plus centralized management of finances across global entities and single sign-on capabilities.
- Custom Plan: Pricing is tailored for high-volume businesses or those needing custom API implementations.
Reviews
User feedback indicates varied experiences, with some customers reporting issues related to customer service, account suspensions, and the verification process. Check out more Airwallex reviews here.
3. Multipass
Multipass is a UK-based financial technology company that provides businesses with multi-currency virtual IBANs, local accounts in the EU, UK, and US, and corporate cards. The platform enables businesses to send, receive, and exchange funds in over 70 currencies.
Each account is assigned a dedicated relationship manager for support, and the service offers local payment capabilities in the UK, Europe, and the USA. Its online banking dashboard is designed to give businesses an overview for managing their finances.
Pricing
Multipass pricing is tailored to each business, with costs based on the following components:
- Onboarding: Account opening and due diligence fees start from £500.
- Maintenance: A monthly fee for account upkeep starts from £100.
- Payments: Various fees are applied to local and international transactions like SEPA, ACH, and SWIFT.
- Cards: Charges apply for card issuance, replacement, maintenance, and transactions.
- Additional Users: Adding users after the initial account setup costs £100 per user.
Reviews
User reviews often comment on the platform's interface, its handling of international payments, and its multicurrency features. A small percentage of reviewers have rated the service with one star. Check out more Multipass reviews here.
4. Mercury
Mercury is a financial technology company that provides online business banking services designed for startups and small businesses. It supports U.S.-incorporated companies, enabling founders from around the world to open accounts without being U.S. residents.
The platform offers FDIC-insured checking and savings accounts, corporate cards, and tools for bill pay and invoicing through a single dashboard. Mercury has no monthly account fees or minimum balance requirements, but applies a 1% fee on currency conversions.
Pricing
Here is a look at their pricing options:
- Free Mercury Plan: Offers essential banking services including checking and savings accounts, corporate debit and credit cards, bill pay, invoicing, and reimbursements.
- $35/month Mercury Plus: Includes all features of the Mercury Plan with additional reimbursements and invoicing capabilities.
- $350/month Mercury Pro: Encompasses all features of Mercury Plus along with advanced workflows and dedicated support.
For businesses with balances over $10 million, Mercury provides custom solutions with tailored pricing.
Reviews
User feedback for Mercury is mixed, with some customers reporting issues with account management and support, citing sudden account closures, frozen funds, and delays in payment processing. Check out more Mercury reviews here.
5. Credem
Credem, or Credito Emiliano S.p.A., is an Italian banking institution founded in 1910 and headquartered in Reggio Emilia. The bank offers a variety of services, including retail and corporate banking, insurance, and investment solutions.
The institution operates through distinct divisions for retail, corporate, and private banking. It also has a practice of accepting Parmigiano Reggiano cheese wheels as collateral for loans.
Pricing
Credem's pricing varies depending on the specific product or service, with account maintenance fees starting from €4 per month and free card issuance. Investment services have custom pricing, and it is advisable to contact the bank directly for complete details.
Reviews
User reviews mention issues such as delays in receiving debit and credit cards. Other feedback points to a lack of digital card options and concerns about customer service responsiveness. Check out more Credem reviews here.
6. Primis Bank
Primis Bank, established in 2005 as Sonabank and rebranded in 2021, is a Virginia-based financial institution offering a range of FDIC-insured services, including business and personal accounts. The bank holds over $3.4 billion in assets and provides high-yield savings and CDs.
Accounts operate with no monthly fees, no overdraft charges, no minimum balance requirements, and unlimited transactions. The bank also provides free business insights and 24/7 customer support from its staff.
Pricing
Primis Bank does not publicly disclose specific pricing for its services. For detailed information on account fees, interest rates, and other pricing structures, it is recommended to contact the bank directly.
Reviews
Some customer reviews mention issues with long customer service wait times and difficulties with account access. Other users report that business account applications have been denied without a clear explanation. Check out more Primis Bank reviews here.
7. Soldo
Soldo is a spend management platform designed to help businesses streamline and control their expenses. The system combines a user app with various payment methods to manage decentralized company spending.
The service provides real-time monitoring of multi-currency expenses and allows for customizable user roles within an organization. It also offers integration with accounting software such as Xero for financial record-keeping.
Pricing
Soldo provides a tiered pricing structure, though specific costs are not publicly disclosed. The company offers a free trial, and it is recommended to contact them directly for detailed pricing information.
Reviews
User feedback indicates mixed opinions on customer support, with some customers reporting issues such as login problems, slow statement delivery, and challenges with account closure processes. Check out more Soldo reviews here.
8. N26
N26 is a German financial technology company, established in 2013, that delivers a mobile-only banking platform. Its services include transaction accounts, debit cards, overdraft options, and various investment products.
The service operates through an app that displays transactions in real time and provides tools for financial management. Users can organize their spending and set aside funds in designated sub-accounts.
Pricing
Here is a glance at their pricing options:
- Free N26 Standard: This account has no maintenance fees and includes a virtual Mastercard for online and mobile payments.
- €4.90/month N26 Smart: This plan provides tools for spending and saving, with the ability to create up to 10 sub-accounts.
- €9.90/month N26 Go: This account is geared toward travel, offering free ATM withdrawals abroad and travel insurance.
- €16.90/month N26 Metal: This premium plan includes a metal card, travel insurance, and priority customer support.
Reviews
User feedback indicates several recurring issues, including slow and unhelpful customer support, sudden account closures without explanation, and frozen funds. Check out more N26 reviews here.
9. Brex
Brex is a financial technology company founded in 2017 that provides a suite of services including corporate cards, expense management, and business accounts. These offerings are integrated into a single platform for managing company finances.
The platform incorporates AI-powered custom rules, real-time reporting, and integrations with accounting software. It is designed to provide scalable solutions for startups, mid-sized companies, and global enterprises.
Pricing
Here is a look at their pricing options:
- Free Essentials: This plan is for startups and growing companies and includes features such as global card acceptance, accounting integrations, and bill pay.
- $12/user/month Premium: This tier includes all Essentials features, adding multiple expense policies, advanced approvals, and multi-entity support.
- Custom Enterprise: This plan is for global enterprises and includes all Premium features, plus a named account manager and customizable implementation.
Reviews
User feedback on Brex indicates some customers have experienced issues with customer service, citing unresponsiveness and difficulties resolving queries. Other reported challenges involve sudden account closures and problems with receipt syncing. Check out more Brex reviews here.
10. Revolut
Revolut is a British financial technology company founded in 2015 that offers a range of banking services. Its products include current accounts, debit and credit cards, stock and cryptocurrency trading, and peer-to-peer payments.
The platform facilitates international transactions by allowing users to manage and exchange over 25 currencies, and it supports global payments. Additionally, businesses can issue team cards with spending controls and integrate with accounting software such as Xero and Sage.
Pricing
Here is a look at their pricing options:
- From £10/month Basic Plan: Provides essential features for running a business.
- From £30/month Grow Plan: Offers additional tools to manage spending and operations.
- From £90/month Scale Plan: Designed for businesses with higher transaction volumes and advanced needs.
- Custom Enterprise Plan: Features pricing tailored to specific business requirements.
Reviews
User reviews indicate mixed experiences, with some customers reporting challenges related to customer support and account verification. Others have noted limitations in certain banking functionalities when compared to traditional institutions. Check out more Revolut reviews here.
Which One Should You Go With?
Choosing the right financial partner from this list depends on your specific business needs, but if you're looking for a modern and supportive alternative, we recommend OneSafe. Our platform is built to handle the unique challenges of today's digital economy. Ready for a banking solution that just gets it? Sign up for OneSafe and simplify your finances today.
