While Fiducial Banque is designed for professionals and SMEs, some user reviews point to issues with customer service and technical performance, leading many to explore other banking solutions. This article will examine Fiducial Banque's offerings, discuss the reasons you might look for an alternative, and outline other options available based on your business requirements.
What is Fiducial Banque?
Fiducial Banque is an online banking institution founded in 2014 to serve professionals, SMEs, merchants, and associations. As a subsidiary of the Fiducial Group, it provides clients with a dedicated advisor and 24/7 digital account management from the moment they sign up.
The bank also provides various financing solutions, such as business loans and leasing options, to help businesses expand. Its offerings are organized into three primary account packages designed to meet a range of professional requirements.
What to Consider When Selecting a Fiducial Banque Alternative?
When searching for a banking solution to replace Fiducial Banque, it's helpful to weigh several key factors based on your business needs:
- Customer Support: Look for a provider known for responsive and helpful service, especially if you've faced delays or technical issues previously.
- Digital Asset Management: If your business operates in Web3, consider platforms that offer native support for cryptocurrencies like USDC for streamlined payroll and expense management.
- Pricing and Fees: Evaluate the fee structure, as many modern alternatives offer accounts with no monthly maintenance fees, minimum balance requirements, or transaction limits.
- International Capabilities: For businesses with global teams or clients, assess the platform's efficiency and cost for handling international payments and foreign exchange.
- Platform Performance and Integrations: A user-friendly interface and the ability to connect with essential accounting and business tools can significantly improve your operational workflow.
If these considerations resonate with your priorities, explore some of the top alternatives we've outlined in the next section.
10 Best Alternatives to Fiducial Banque
1. OneSafe
OneSafe is a finance platform built to streamline banking for modern businesses, particularly those operating in the Web3 and crypto sectors. We provide the tools for effortless fund management, quick payments, and access to both traditional and digital assets.
Our platform facilitates a direct 1:1 conversion from USD to USDC on Polygon for instant, borderless transactions and offers end-to-end expense and payroll management. We also provide streamlined onboarding, rapid account setup, and responsive customer support tailored for businesses in the digital asset space.
Pricing
We believe in transparent pricing. Here’s a look at our straightforward fee structure:
- Free Account Basics: We charge nothing for account opening, monthly maintenance, or card issuance, and we don't require a minimum balance.
- 0.1% US Domestic Transfers: A small fee applies to all ACH and standard wire transfers within the United States.
- From 0.2% International Payments: This rate applies to SEPA (EUR) transactions and international wires, with the latter including a standard SWIFT fee.
- 0.1% Digital Asset Transactions: For USDT transactions. Fiat-to-crypto conversions are included at market rates with no hidden charges.
- 3% Corporate Card FX: For any spending on your corporate card in a currency other than USD.
Reviews
Clients consistently praise our platform for its outstanding customer support and ability to resolve major operational challenges for modern companies. Users highlight how our solutions simplify financial management, particularly for businesses in the Web3 space.
- “OneSafe has the best customer support I've ever experienced from a bank.” – Amit Chu, Investments @ Celo Foundation
- “OneSafe is a game-changer. They solve so many headaches for our company. Finally a banking solution that gets it.” – Marco, CEO of Ensuro
Want to learn more? Check us out here.
2. Novo
Novo is a financial technology company that provides FDIC-insured business deposit accounts through a partnership with Middlesex Federal Savings. The company offers a mobile-first banking experience tailored for small business owners, freelancers, and entrepreneurs.
Its business checking account has no monthly fees or minimum balance requirements and includes a built-in invoicing tool. The platform also connects with business applications like Xero and Stripe and provides account holders with access to partner discounts.
Pricing
Novo provides a business checking account that does not have monthly fees, minimum balance requirements, or transaction fees. The account includes free incoming wires and provides refunds for ATM fees up to $7 per month.
Reviews
User feedback indicates varied experiences, with some customers reporting issues related to customer service responsiveness, dispute resolution, and account management. Check out more Novo reviews here.
3. Soldo
Soldo is a spend management solution designed for businesses to control and streamline their expenses. It provides a platform that combines a user app with various payment methods to manage decentralized spending.
The system includes real-time monitoring of multi-currency expenses, customizable user roles, and integration with accounting software. This approach allows employees to make purchases while the company maintains financial oversight, which can reduce administrative work.
Pricing
Soldo offers a tiered pricing structure, but specific costs are not publicly disclosed. For detailed pricing information, businesses are advised to contact the company directly.
Reviews
User feedback points to issues such as login difficulties, delays in statement delivery, and challenges with account closure. Additionally, opinions on customer support response times and the quality of assistance are varied. Check out more Soldo reviews here.
4. RelayFi
RelayFi is a financial technology company that provides an online banking platform tailored for small businesses. The service offers a suite of tools designed to help companies manage their finances.
The platform allows for the creation of up to 20 checking accounts with no monthly fees or minimum balance requirements and provides automated savings accounts. It also connects with accounting software like QuickBooks and Xero and is the official banking partner for the Profit First methodology.
Pricing
Here is a look at RelayFi's pricing plans:
- $0 per month Starter Plan: This plan is for solopreneurs and new businesses, offering banking features, automated savings, and integrations with QuickBooks and Xero.
- $30 per month Grow Plan: This tier includes all Starter Plan features, adding multi-step bill approval rules, bookkeeping automation, and branded invoices.
- $90 per month Scale Plan: This plan provides all Grow Plan features, plus AI-powered automation, cash flow insights, and faster customer support.
Reviews
User feedback for RelayFi points to its customer service and platform usability, though some customers have noted transaction delays and varied support response times. Check out more RelayFi reviews here.
5. Wallester
Wallester is a financial technology company that provides corporate expense management solutions through virtual and physical Visa cards. Their services are designed to help businesses of all sizes manage their financial operations with a focus on security.
The platform offers real-time expense control, detailed financial reporting, and integrations with accounting software. It also supports instant virtual card issuance, multiple currencies, and advanced API integration.
Pricing
Here is a look at Wallester's pricing:
- Free Plan: Includes up to 300 virtual cards, unlimited physical card issuance, and no account or minimum balance fees.
- €0.20 per card/month Add-on: For each additional virtual card.
- Premium Plans: Available for businesses requiring more cards, with pricing details provided by the company.
Reviews
User feedback often discusses the platform's interface and customer support, while some reviews note challenges with integration and occasional delays in technical support. Check out more Wallester reviews here.
6. Currensea
Currensea is a UK-based financial technology company that provides a travel debit card intended to lower foreign exchange fees compared to traditional banks. The card links to users' existing UK bank accounts, which eliminates the need to top up or transfer funds for spending abroad.
The service offers real-time exchange rates, immediate spend notifications, and a user-friendly app interface. By providing competitive exchange rates without hidden fees, the card can lead to savings for travelers.
Pricing
Here's their pricing at a glance:
- Free Essential Plan: This plan includes real-time exchange rates and a £500 monthly card spend at the real-time rate, with a 1% fee thereafter. ATM withdrawals are fee-free up to £200 per month, then a 2% fee applies. A £4.95 card delivery fee is charged.
- £39.95 annually Pro Plan: This tier provides all Essential features, market-leading exchange rates, unlimited fee-free card spending, and £500 in fee-free ATM withdrawals per month.
- £150 annually Elite Plan: This option includes all Pro features, with an increased fee-free ATM withdrawal limit of £750 per month and additional perks.
Reviews
User feedback often mentions the card's ease of use, transaction notifications, and exchange rates. Some reviews point to issues with card acceptance in certain locations and varying experiences with customer support responsiveness. Check out more Currensea reviews here.
7. Finom
Finom is a European financial technology company founded in 2019 that provides digital banking and financial management services for SMEs, freelancers, and self-employed individuals. The platform offers online account opening with local IBANs, invoicing, accounting integrations, and expense management.
The service provides free physical and unlimited virtual debit cards, offers up to 3% cashback on business purchases, and supports multiple currencies for international payments. Finom also aims to provide a user-friendly interface and customer support to help businesses manage their financial operations.
Pricing
Here's their pricing at a glance:
- Free Solo Plan: Suitable for freelancers and self-employed individuals, this plan includes one user, a personal IBAN, free physical VISA cards, and basic invoicing features.
- €9 per month Start Plan: Designed for small businesses, this plan includes two users, a personal IBAN, free physical VISA cards, and advanced invoicing features.
- €28 per month Premium Plan: This tier offers five users, a personal IBAN, free physical VISA cards, and comprehensive invoicing and accounting integrations.
- €149 per month Corporate Plan: Tailored for larger businesses, this plan provides ten users, a personal IBAN, free physical VISA cards, and advanced invoicing and accounting features.
- €339 per month Enterprise Plan: This plan includes fifteen users, a personal IBAN, free physical VISA cards, and all features available in the Corporate Plan.
Reviews
User feedback indicates a range of experiences, with some customers reporting concerns about unexpected fees, account management, and occasional technical problems with transaction processing. Check out more Finom reviews here.
8. Kontist
Kontist is a German financial service provider that offers business banking solutions tailored for freelancers and self-employed individuals. The company's services are structured to address the financial requirements of this specific professional demographic.
The platform includes automatic tax estimation, real-time tax calculation, and the ability to reserve funds for tax obligations. These tools are integrated into the service to assist users with their financial management.
Pricing
Here's their pricing at a glance:
- Free Business Account: Includes a German IBAN, a physical Visa debit card, and real-time tax estimation.
- €11 per month + VAT Start Plan: Provides subaccounts and 30 SEPA transfers.
- €25 per month + VAT Plus Plan: Offers VAT return and business evaluation features.
Reviews
User feedback indicates a range of experiences. Some customers have reported issues with high fees, limited free transactions, and the responsiveness of customer service. Check out more Kontist reviews here.
9. Axos Bank
Axos Bank, founded as Bank of Internet USA in 2000, is a digital financial institution headquartered in San Diego, California. The bank offers a range of services that cover personal and business banking, loans, and investment solutions.
It provides accounts with competitive interest rates, low to no fees, and access to funds through an extensive ATM network. Offerings include Basic Business Checking with no monthly maintenance fees and Business Interest Checking that provides an APY on qualifying balances.
Pricing
Here's a look at their pricing:
- Basic Business Checking: This account has no monthly maintenance fees, unlimited fee-free transactions, and free incoming wires.
- Business Interest Checking: A $10 monthly fee applies, which is waived with an average daily balance of at least $5,000. This account offers a 1.01% APY on balances up to $49,999.99.
- Business Premium Savings: This account has no monthly maintenance fees and provides a 3.80% APY.
Axos Bank does not publicly list prices for all services, and some accounts may require specific balance thresholds to waive fees. For detailed pricing, it is advisable to contact the bank directly.
Reviews
User feedback for Axos Bank is varied, with some customers reporting issues related to the app's functionality, such as glitches and slow performance. Check out more Axos Bank reviews here.
10. OneMoneyWay
OneMoneyWay is a digital platform designed to manage global financial operations for small and medium-sized enterprises in Europe. The company provides a suite of services, including international transfers, foreign exchange, and various payment solutions through regulated partners.
The platform offers local IBAN accounts, foreign exchange for over 24 currencies, and imposes no transaction limits. It also provides virtual and physical corporate cards, business accounts, and payment terminals.
Pricing
Here's their pricing at a glance:
- Free Freemium: For businesses with annual revenue below £150,000, this plan includes one business account, one virtual corporate card, and live chat support.
- £49 per month Starter: Billed annually, this plan provides up to three business accounts, two virtual and two physical corporate cards, a personal advisor, and bookkeeping integrations.
- £99 per month Business: Billed annually, this plan offers up to five business accounts, unlimited virtual and four physical corporate cards, a personal advisor, and bookkeeping integrations.
Reviews
User feedback often discusses the company's service quality and staff support during the onboarding process, while some reviews also note the time required for account setup. Check out more OneMoneyWay reviews here.
Which One Should You Go With?
Choosing the right banking partner depends on your unique business goals, and any of the platforms listed can be a great fit. However, if you're a modern company looking for streamlined financial operations and dedicated support, we believe OneSafe is the ideal solution. Ready to see how we can help your business grow? Sign up for OneSafe today.
