While Moss provides a suite of expense management tools, some businesses may find its features restrictive for complex needs or encounter slow support responses. This article breaks down what Moss offers, explores common reasons for seeking an alternative, and introduces other platforms that might better suit your company's specific financial operations.
What is Moss?
Moss is a technology-enabled financial management solution designed to streamline all aspects of company spending. Its platform provides smart corporate cards, automates invoice processing, and offers direct accounting integrations for enhanced financial oversight.
The company operates on a modular pricing model, allowing businesses to select features that fit their specific needs. It is generally well-regarded for its user-friendly interface and for simplifying complex expense management workflows.
What to Consider When Selecting a Moss Alternative?
When searching for a platform to replace Moss, it's helpful to evaluate alternatives based on a few key criteria:
- Pricing Structure: Consider whether a platform's modular, subscription-based, or pay-as-you-go pricing model aligns with your company's budget and growth.
- Integration Capabilities: Evaluate how well a new tool connects with your existing accounting, ERP, or specialized systems like Web3 protocols.
- Global and Currency Support: Assess the platform's ability to handle international payments, multi-currency accounts, and digital asset conversions for borderless operations.
- Customer Support: Look into the responsiveness and quality of customer service, as timely support is vital for resolving financial issues quickly.
- Specialized Features: Determine if an alternative offers unique tools tailored to your industry, such as automated tax preparation or native crypto payroll management.
If these considerations strike a chord with your company's needs, explore the alternatives detailed in the next section to find a better match.
10 Best Alternatives to Moss
1. OneSafe
OneSafe is a finance platform built to modernize banking for businesses, especially those in the Web3 and crypto industries. We provide the necessary tools for straightforward fund management, fast payments, and access to both traditional and digital assets.
Our platform facilitates a direct 1:1 conversion from USD to USDC on Polygon, which simplifies payroll and expense management for global teams. We also provide streamlined onboarding, rapid account setup, and responsive customer support tailored for organizations handling digital assets.
Pricing
Here's a look at our straightforward pricing structure:
- Free Account Services: We offer free account opening and maintenance, no monthly subscriptions, and complimentary virtual and physical cards. We don't require a minimum balance.
- Domestic Money Movement: Send US domestic ACH and wire transfers for a simple 0.1% per transaction, with a flat $25 fee for Fedwire transfers.
- International Payments: Manage your global finances with SEPA payments at 0.2% per transaction and international wires at 0.2% plus a $50 SWIFT fee.
- Digital Asset Transactions: We charge a 0.1% fee for USDT transactions, and our fiat-to-crypto conversions are included at market rates with no surprise fees.
- Corporate Card FX: Spend internationally on your corporate card with a 3% foreign exchange fee on any non-USD transactions.
Reviews
Our clients consistently praise our responsive customer support and our platform's ability to solve complex financial challenges, particularly for businesses 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.”
Want to learn more? Check us out here.
2. Kontist
Kontist is a German financial service provider that offers business banking solutions tailored for freelancers and self-employed individuals. Its services are designed to address the specific financial management requirements of independent professionals.
The platform provides automatic tax estimation and real-time tax calculation to assist with financial planning. It also includes the ability for users to set aside funds designated for tax payments.
Pricing
Here is a glance at Kontist's pricing:
- Free Business Account: Includes a German IBAN, a physical Visa debit card, and real-time tax estimation.
- €11/month + VAT Start Plan: Adds subaccounts and 30 SEPA transfers.
- €25/month + VAT Plus Plan: Includes VAT return and business evaluation.
Reviews
User reviews point to concerns about the platform's fee structure, with some finding the service overpriced. Others have noted issues with customer support responsiveness and technical reliability. Check out more Kontist reviews here.
3. Credem
Credem is an Italian banking institution founded in 1910 that provides retail and corporate banking, insurance, and investment solutions. The bank operates through several divisions, including Credem Banca for retail, Credem Banca d'Impresa for corporate clients, and Credem Private Banking.
A notable aspect of its operations is the acceptance of Parmigiano Reggiano cheese wheels as collateral for loans. This practice reflects the bank's distinct approach to securing financing for its clients.
Pricing
Credem's pricing structure varies depending on the specific product or service. For detailed and current pricing information, it is necessary to contact the company directly.
Reviews
User feedback often points to issues with delays in receiving debit and credit cards and a lack of digital card options. Some customers also raise concerns about the responsiveness of customer service. Check out more Credem reviews here.
4. Axos Bank
Axos Bank, founded as Bank of Internet USA in 2000, is a digital bank headquartered in San Diego, California. It offers a range of financial services, including personal and business banking, loans, and investment solutions.
The bank provides competitive interest rates, low to no fees on certain accounts, and access to funds through a large ATM network. Some accounts may require specific balance thresholds to waive fees.
Pricing
Here is a glance at their pricing:
- No Monthly Fee for Basic Business Checking: This account has no monthly maintenance fees, unlimited fee-free transactions, and free incoming wires. Cash deposits can be made via Allpoint and MoneyPass ATMs.
- $10/month for Business Interest Checking: This fee is waived with an average daily balance of at least $5,000. It offers 1.01% APY on balances up to $49,999.99.
- No Monthly Fee for Business Premium Savings: This account has no monthly maintenance fees and offers a 3.80% APY.
Reviews
Customer reviews for Axos Bank are mixed, with some users reporting issues with the app's functionality, such as glitches and slow performance. Check out more Axos Bank reviews here.
5. Wise
Wise, formerly TransferWise, is a UK-based financial technology company founded in 2011. It specializes in international money transfers by utilizing the mid-market exchange rate.
The platform provides a multi-currency account to hold and manage funds in over 40 currencies, along with a debit card for global spending. Wise operates on a pay-as-you-go pricing model with no monthly subscription fees.
Pricing
Here is a glance at their pricing:
- From 0.57% Money Transfers: Fees for sending money vary by currency.
- $0 Domestic Payments: Receiving money is free for domestic payments in certain currencies, while international wire transfers have fixed fees.
- $9 Multi-Currency Card: A one-time fee for the card. Spending is free, but ATM withdrawals over $100 per month have additional fees.
- $31 Business Account Setup: A one-time fee for businesses to receive account details in 23 currencies.
- $0 Account Holding: Holding money in the account is free.
Reviews
User feedback for Wise points to some recurring issues, including account freezes and unresponsive customer support. Check out more Wise reviews here.
6. Propulse by CA
Propulse by CA is an online banking and management platform designed for entrepreneurs, freelancers, and small businesses. It provides a suite of tools intended to manage financial and administrative tasks for its users.
The service offers an online business account with a French IBAN, automated invoicing, and expense management. It also facilitates direct URSSAF contribution filings and includes insurance with its Visa Business card.
Pricing
Here is a glance at their pricing:
- Starter Plan: €8 per month
- Start+ Plan: €17 per month
Reviews
User feedback indicates some customers have experienced challenges with customer support, leading to delays in account creation and issue resolution. Check out more Propulse by CA reviews here.
7. Countingup
Countingup is a UK-based company founded in 2017 that offers a business current account with integrated accounting software. This combination allows small businesses to manage their finances within a single app.
The platform provides features like instant invoicing, automatic expense categorization, receipt capture, and real-time tax estimates. It is designed to automate financial administration, which lets business owners focus on their primary operations.
Pricing
Here is a glance 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: Additional fees apply for actions such as account transfers (30p), ATM withdrawals (£1), and foreign transactions (3%).
- Three-Month Free Trial: A trial period is available to test the service before committing to a subscription.
Reviews
User feedback indicates some customers have experienced issues such as account suspensions, delays in fund transfers, and limited customer support with no phone service. Check out more Countingup reviews here.
8. Tide Bank
Tide is a UK-based financial technology company established in 2015, providing mobile-first banking services for small and medium-sized enterprises. The platform offers current accounts, automated bookkeeping, and integration with accounting software.
Users can open an account through the app, manage team spending with expense cards, and make cash deposits at Post Office or PayPoint locations. The service also includes built-in accounting tools and the ability to handle international payments.
Pricing
Here's their pricing at a glance:
- Free Plan: No monthly fee. Charges include 20p per UK transfer and £1 per ATM withdrawal.
- £12.49 + VAT per month Smart Plan: Includes 25 free UK transfers, one expense card, and priority in-app support. Foreign currency card transactions have a 2.75% FX fee.
- £24.99 + VAT per month Pro Plan: Offers unlimited UK transfers, two expense cards, and 24/7 phone and legal support. Foreign currency card transactions are fee-free.
- £69.99 + VAT per month Max Plan: Provides unlimited UK transfers, three expense cards, and a dedicated account manager. Foreign currency card transactions are fee-free.
Reviews
User feedback indicates some customers have experienced challenges with customer support, leading to delays in resolving issues. Others have reported problems with account access, such as unexpected freezes or difficulties during compliance reviews. Check out more Tide Bank reviews here.
9. Blank
Blank is a French financial technology company that provides online professional accounts for freelancers and small businesses. The platform offers a French IBAN, a Visa Business card, and various administrative tools.
The service integrates financial management with administrative functions like automated Urssaf declarations and invoice creation. Depending on the plan, users can also access features such as income maintenance insurance and extended customer support.
Pricing
Here's their pricing at a glance:
- €6 excluding tax per month Simple: Includes 30 SEPA transfers, quote and invoice creation tools, automated Urssaf declarations, and expense tracking.
- €17 excluding tax per month Confort: Includes all Simple plan features plus phone support (5 days a week), 30 additional SEPA transfers, higher card limits, and income maintenance insurance.
- €39 excluding tax per month Complète: Includes all Confort plan features plus unlimited SEPA transfers, email and phone support (6 days a week), and higher card limits.
- Free Trial: Each plan offers a free trial period.
Reviews
User feedback points to some issues with account closure and fund transfers, with some customers citing delays in accessing their money. Check out more Blank reviews here.
10. Finom
Finom is a European financial technology company founded in 2019 that offers digital banking and financial management services for SMEs and freelancers. The platform provides online accounts with local IBANs, invoicing, accounting integrations, and expense management.
The service issues free physical and unlimited virtual debit cards and offers up to 3% cashback on business purchases. It also supports multiple currencies and international payments for businesses operating across Europe.
Pricing
Here's their pricing at a glance:
- Free Solo Plan: Includes one user, a personal IBAN, free physical VISA cards, and basic invoicing features.
- €9 per month Start Plan: Includes two users, a personal IBAN, free physical VISA cards, and advanced invoicing features.
- €28 per month Premium Plan: Offers five users, a personal IBAN, free physical VISA cards, and comprehensive invoicing and accounting integrations.
- €149 per month Corporate Plan: Provides ten users, a personal IBAN, free physical VISA cards, and advanced invoicing and accounting features.
- €339 per month Enterprise Plan: Includes fifteen users, a personal IBAN, free physical VISA cards, and all features available in the Corporate Plan.
Reviews
User feedback for Finom often centers on its interface and invoicing system, while some users have reported issues with unexpected fees, account management, and transaction processing. Check out more Finom reviews here.
Which One Should You Go With?
Choosing the right financial platform depends on your company's unique needs, and any of the alternatives listed can be a great fit. If you're looking for a modern banking solution that simplifies global payments and digital asset management, we believe OneSafe stands out as the top choice. Sign up for OneSafe today to see how we can streamline your financial operations.
