For businesses exploring new banking and global payment solutions, the search for an alternative to Januar may stem from a need for more transparent pricing or concerns about customer service. This article breaks down what Januar is, examines reasons to consider other providers, and highlights different options based on your specific requirements.
What is Januar?
Januar is a financial infrastructure provider that offers specialized services for crypto businesses. The company provides an IBAN account for crypto-related transactions, a real-time fiat payment network, institutional-grade crypto storage, and multi-exchange trade execution.
A key aspect of their operation is a comprehensive compliance stack, including a Payment Institution License from the Danish Financial Supervisory Authority. This allows them to operate across all EEA markets while adhering to strict anti-money laundering directives.
What to Consider When Selecting a Januar Alternative?
When searching for a financial partner to replace Januar, it's helpful to weigh your options against a few key considerations:
- Pricing Transparency: A clear and upfront fee structure helps you avoid unexpected costs and manage your budget effectively.
- Crypto-Specific Features: Look for platforms that offer native support for digital assets, such as direct fiat-to-crypto conversions and secure wallets.
- Customer Support: Responsive and knowledgeable support is vital for resolving issues quickly, especially when dealing with complex financial operations.
- Regulatory Compliance: Ensure the provider holds the necessary licenses and adheres to financial regulations to protect your assets and maintain operational integrity.
- Ease of Use: A platform with a straightforward onboarding process and an intuitive interface can save significant time and administrative effort.
If these factors resonate with your business needs, explore the alternatives we've detailed in the next section.
10 Best Alternatives to Januar
1. OneSafe
OneSafe is a finance platform built to streamline banking for businesses, particularly those operating in the Web3 and crypto industries. We offer the tools for effortless fund management, rapid payments, and access to both traditional and digital assets.
Our platform facilitates direct 1:1 conversions from USD to USDC on Polygon for borderless transactions and provides comprehensive expense and payroll management. We pride ourselves on our responsive customer support and a reliable, secure environment for organizations handling crypto-based payments.
Pricing
Here's a look at our straightforward pricing:
- Free Account Basics: Enjoy free account opening and maintenance, no monthly subscription fees, free virtual and physical card issuance, and no minimum balance requirements.
- Low-Cost Domestic Transfers: Pay just 0.1% for US domestic ACH and wire transfers, with a flat $25 fee for Fedwire transactions.
- Competitive International Payments: Send SEPA payments for 0.2% per transaction and international wires for 0.2% plus a $50 SWIFT fee.
- Transparent Crypto Fees: Benefit from a low 0.1% fee on USDT transactions and direct fiat-to-crypto conversions with no hidden charges.
- Flexible Card Spending: Use your corporate card globally with a 3% foreign exchange fee on non-USD spending.
Reviews
Users consistently praise our platform for its exceptional customer support and for providing a straightforward banking solution that understands the unique needs of Web3 companies.
- 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.”
Want to learn more? Check us out here.
2. Currensea
Currensea is a UK-based financial technology company that provides a travel debit card linked directly to a user's existing bank account. This card is designed to offer an alternative to the foreign exchange fees typically associated with high-street banks.
The service provides real-time exchange rates and removes the need for topping up or transferring funds before spending abroad. Users receive immediate notifications detailing transaction amounts and any savings made through a companion app.
Pricing
Here's a glance at their pricing:
- Free Essential: This plan has no monthly fee and allows for £500 in card spending at the real-time rate, after which a 1% fee applies. ATM withdrawals are fee-free up to £200 per month, with a 2% fee beyond that. A £4.95 card delivery fee is charged.
- £39.95 annually Pro: This plan includes all Essential features, market-leading exchange rates, unlimited fee-free card spending, and fee-free ATM withdrawals up to £500 per month.
- £150 annually Elite: This plan contains all Pro features, with an increased fee-free ATM withdrawal limit of £750 per month and additional benefits.
Reviews
User reviews often mention the card's ease of use, transaction notifications, and exchange rates. Other feedback points to occasional issues with card acceptance in some locations and concerns about customer support responsiveness. Check out more Currensea reviews here.
3. Everestcard
Everestcard is a neobank that offers financial management services designed for businesses. The company provides instant issuance of both virtual and physical Mastercard credit cards to give teams access to funds.
Its platform is managed entirely online, allowing for real-time control over cards and expenses through a dashboard and web application. Everestcard also includes expense management tools like automated reports, digital receipt scanning, and transaction history tracking.
Pricing
Here is a look at their pricing:
- €20 Monthly Subscription: Includes up to three Mastercard credit cards and access to various expense management tools.
- €5 Additional Card: Each card beyond the initial three costs an extra €5 per month.
- 90-Day Free Trial: A trial period is available for businesses to explore features before subscribing.
Reviews
Available user feedback for Everestcard is limited. Reviewers raise concerns regarding the company's reliability and responsiveness, pointing to issues like slow customer support and problems with account access. Check out more Everestcard reviews here.
4. Wallester
Wallester is a financial technology company specializing in corporate expense management solutions through virtual and physical Visa cards. Their services are designed to help businesses manage financial operations with a focus on user-friendly interfaces and security measures.
The platform offers real-time expense control, detailed financial reporting, and integrations with accounting software. Additionally, it provides instant virtual card issuance, multi-currency support, and advanced API integration for businesses of all sizes.
Pricing
Here is a look at their pricing:
- Free Plan: Includes up to 300 virtual cards and unlimited physical card issuance, with no account or minimum balance fees.
- Additional Virtual Cards: Each card beyond the initial 300 costs €0.20 per month.
- Premium Plans: Available for businesses that require more cards; pricing details are provided by the company.
- Demo Portal: Users can explore the platform's features without registration.
Reviews
User feedback often mentions the platform's interface and financial reporting, while some have reported challenges with integration and occasional delays in technical support. Check out more Wallester reviews here.
5. Credem
Credem is an Italian banking institution established in 1910 that has since grown to offer a variety of financial products. The bank provides services across retail and corporate banking, as well as insurance and investment solutions.
It operates through distinct divisions for retail, corporate, and private banking to serve different client needs. The institution is also known for accepting wheels of Parmigiano Reggiano cheese as collateral for loans.
Pricing
Here is a look at their pricing:
- €4+ Monthly Account Fee: Account maintenance fees begin at €4 per month.
- Free Card Issuance: The bank does not charge a fee for issuing cards.
- Free ATM Withdrawals: No fees are charged for withdrawals made at Credem ATMs.
- Custom Investment Pricing: Fees for investment services are tailored to the specific product.
Reviews
User feedback points to several recurring issues, including delays in receiving debit and credit cards, a lack of digital card options, and concerns about customer service responsiveness. Check out more Credem reviews here.
6. Soldo
Soldo provides a spend management solution designed to help businesses control their expenses. The platform combines a user app with various payment methods to manage decentralized spending.
It allows for real-time monitoring of multi-currency expenses, customizable user roles, and integration with accounting software. This approach is intended to let employees make necessary purchases while the company maintains financial oversight.
Pricing
Soldo provides a tiered pricing structure, but specific details are not publicly available. The company offers a free trial, and businesses must contact them directly for pricing information.
Reviews
User feedback indicates varied experiences, with some reviewers citing issues like login problems, slow statement delivery, and difficulties with the account closure process. There are also mixed opinions regarding the responsiveness and quality of customer support. Check out more Soldo reviews here.
7. Fiducial Banque
Fiducial Banque is an online banking institution established in 2014 that serves professionals, small to medium-sized enterprises, and associations. As a subsidiary of the Fiducial Group, it offers a range of banking services designed for entrepreneurs.
Clients receive a dedicated advisor from account opening and have access to a fully digitalized management system for 24/7 online account handling. The institution also provides various financing solutions, such as business loans and leasing options, to support company growth.
Pricing
Here is a look at their pricing:
- €12/month (excl. tax) PRO Base: This package includes a professional current account, a dedicated banking advisor, 24/7 online banking access, a Visa Business debit card, unlimited SEPA direct debits and transfers, and check deposit services.
- €25/month (excl. tax) PRO Plus: This option includes all PRO Base services, plus the ability to accept card payments, a choice of Visa cards with different debit options, and checkbooks.
- €45/month (excl. tax) PRO Excellence: This package contains all PRO Plus services, with unlimited account movement commissions, one free monthly cash deposit through a partner network, and a Visa Premier card with deferred debit.
Reviews
User reviews point to recurring issues with customer service responsiveness and technical reliability, with some reports mentioning delays in assistance and problems with the mobile application. Check out more Fiducial Banque reviews here.
8. VIALET
VIALET is a Lithuanian Electronic Money Institution established in 2017, offering digital banking services for small and medium-sized enterprises. The company provides dedicated International Bank Account Numbers for SEPA, SEPA Instant, and SWIFT transactions, as well as card processing solutions.
Its platform supports various payment methods, including C2B, B2B, and B2C, and offers banking APIs and mass payouts for global SMEs. Additionally, VIALET accepts payments involving cryptocurrency processors and provides accounts for EU-licensed crypto exchanges.
Pricing
VIALET does not publicly disclose its pricing information. To receive an initial price list, businesses must complete an application, and final fees may be customized based on the information provided.
Reviews
User feedback indicates several areas of concern, including reports of unprofessional behavior and poor customer service. Some users also describe difficulties with the account opening process, citing excessive information requests and prolonged response times. Check out more VIALET reviews here.
9. Countingup
Countingup is a UK-based company established in 2017 that provides a business current account with integrated accounting software. The platform combines these services into a single application for small businesses to handle their finances.
It offers features such as instant invoicing, automatic expense categorization, receipt capture, and real-time tax estimates. The system is designed to automate financial administration tasks for business owners.
Pricing
Here is a look at their pricing:
- £3 per month: For total monthly deposits up to £750.
- £9 per month: For total monthly deposits between £750 and £7,500.
- £18 per month: For total monthly deposits exceeding £7,500.
- Transaction Fees: Account transfers and direct debits are 30p each, and foreign transactions have a 3% fee.
- Additional Charges: ATM withdrawals cost £1 each, cash loads incur fees, and a replacement card is £5.
Reviews
User feedback indicates a range of experiences, with some reviewers pointing to issues such as account suspensions and delays in fund transfers. Other comments mention limited customer support, citing slow response times and a lack of phone assistance. Check out more Countingup reviews here.
10. Hype
Hype is an Italian fintech company established in 2015 that offers digital banking services for individuals and businesses. The company provides tailored products like HYPE Business, which is designed for professionals and small enterprises.
The service operates through a mobile app that delivers real-time notifications and includes tools for budgeting, savings goals, and instant payments. Its business account provides a World Elite Mastercard, free SEPA transfers, and features for expense monitoring.
Pricing
Here is a look at their pricing:
- €2.90/month HYPE Business: This plan includes a World Elite Mastercard, free SEPA transfers, free F24 payments, and tools for expense monitoring. It also provides free cash withdrawals in euros from any ATM.
Reviews
User feedback points to several recurring issues, such as unresponsive customer support, problems with account access, and app reliability. Some users also note the presence of ads within the application. Check out more Hype reviews here.
Which One Should You Go With?
Choosing the right financial partner depends entirely on your business needs, and any of the platforms listed could be a great fit. If you're looking for a banking solution that truly understands the demands of Web3 and offers responsive support, we believe OneSafe is the best alternative. Ready to simplify your finances? Sign up for OneSafe today.
