Niural provides a broad suite of global payroll and HR services, but its complexity and occasional support delays have led some businesses to seek other options. This guide will explain what Niural is, explore the reasons you might consider an alternative, and introduce other platforms that could better fit your specific needs.
What is Niural?
Niural is an AI-powered global Professional Employer Organization (PEO) and B2B payments platform operating in over 150 countries. It offers a comprehensive suite of services, including international payroll and compliance management, leveraging AI to automate complex HR tasks.
Its pricing structure is adaptable, with specific plans for US payroll, PEO services, and international Employer of Record. While users on Trustpilot praise its efficiency, some find its extensive features complex to navigate and report occasional support delays.
What to Consider When Selecting a Niural Alternative?
When evaluating alternatives to Niural, it's important to weigh several factors to find the platform that best aligns with your business needs:
- Global Reach and Compliance: Ensure the platform supports payroll and HR in all the countries you operate in while managing local labor laws.
- Transparent Pricing: Look for a fee structure that is straightforward and predictable, without hidden costs for essential services like international transfers or currency conversion.
- Responsive Customer Support: Verify that you can depend on timely and effective assistance when you encounter issues with payroll or payments.
- Specialized Financial Services: Consider if the platform offers unique features tailored to your industry, such as crypto-to-fiat conversions for Web3 companies.
- Ease of Use and Integration: Determine if the platform is intuitive to navigate and connects well with your existing accounting or financial software.
If these considerations resonate with your priorities, explore the alternatives in the next section to find a solution that better suits your company.
10 Best Alternatives to Niural
1. OneSafe
OneSafe is a finance platform designed to modernize banking for businesses, especially those in the Web3 and crypto industries. We provide essential tools for effortless fund management, quick payments, and access to both traditional and digital assets.
Our platform simplifies global payroll and expense management with a direct 1:1 conversion from USD to USDC on Polygon for instant, borderless transactions. We pride ourselves on responsive customer support and a reliable, secure environment, making us an optimal choice for companies handling digital asset payments.
Pricing
Here's a look at our straightforward pricing:
- Free Account Services: We believe in getting you started without barriers. That’s why account opening, maintenance, and card issuance are all free, with no minimum balance required.
- Low-Cost Domestic Transfers: Move money within the US efficiently with a 0.1% fee for ACH and wires, or a flat $25 for Fedwire transfers.
- Affordable International Payments: Our global payment fees are transparent, with SEPA transfers at 0.2% and international wires at 0.2% plus a standard $50 SWIFT fee.
- Competitive Crypto Transactions: Manage your digital assets with a simple 0.1% fee on USDT transactions. Fiat-to-crypto conversions are included at market rates with no hidden fees.
- 3% Corporate Card FX: For non-USD spending on your corporate card, a standard 3% foreign exchange fee applies.
Reviews
Clients consistently highlight our exceptional customer support and ability to simplify complex financial operations, especially for Web3 companies. Our platform is often described as a game-changer that resolves major operational headaches.
- "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. Airwallex
Airwallex is a financial technology company offering services such as cross-border payments, multi-currency business accounts, and expense management. Founded in 2015, it provides a platform for businesses to manage their international financial operations.
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. It also provides corporate cards without international fees and connects with accounting software like Xero and QuickBooks.
Pricing
Here's a glance at their pricing:
- Free Explore Plan: This plan is for small businesses and is free for users who deposit at least $5,000 monthly or keep a $10,000 minimum balance. It provides multiple business accounts, free transfers to over 120 countries, and access to interbank FX rates.
- $99/month Grow Plan: Aimed at growing businesses, this tier includes all features from the Explore Plan, adding international batch transfers, expense management, and bill pay services.
- $499/month Accelerate Plan: For larger businesses, this plan offers everything in the Grow Plan, plus centralized financial management across global entities and single sign-on capabilities.
- Custom Plan: Pricing is tailored for high-volume businesses or those requiring custom API implementations.
Reviews
User feedback indicates challenges with delayed customer service, account suspensions without clear explanations, and difficulties during the verification process. Check out more Airwallex reviews here.
3. Currensea
Currensea is a UK-based financial technology company that offers a travel debit card connected to users' existing bank accounts. The card is intended to provide an alternative to traditional banks for foreign exchange transactions.
The service operates with real-time exchange rates and does not require users to top up or transfer funds before spending abroad. It also sends immediate notifications that detail the transaction amount and any calculated savings.
Pricing
Here's their pricing at a glance:
- Free Essential Plan: This plan has a one-time £4.95 card delivery fee. It includes real-time exchange rates and spend notifications. A 1% fee applies to card spending over £500 monthly, and a 2% fee applies to ATM withdrawals over £200 monthly.
- £39.95 Annually Pro Plan: This tier includes all Essential features, market-leading exchange rates, unlimited fee-free card spending, and fee-free ATM withdrawals up to £500 per month, along with other benefits.
- £150 Annually Elite Plan: This option includes all Pro features but increases the fee-free ATM withdrawal limit to £750 per month and adds other perks.
Reviews
User reviews offer varied feedback; some mention issues with card acceptance in certain locations and concerns about customer support responsiveness. Check out more Currensea reviews here.
4. N26
N26 is a German fintech company founded in 2013 that provides a mobile banking experience. It offers services such as transaction accounts, debit cards, overdrafts, and investment products.
The platform delivers real-time banking through a user-focused app interface. It also includes tools designed for managing spending and savings.
Pricing
Here's their pricing at a glance:
- 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, including the ability to create up to 10 sub-accounts.
- €9.90/month N26 Go: Designed for travel, this account offers free ATM withdrawals abroad and travel insurance.
- €16.90/month N26 Metal: This premium account comes with a metal card, travel insurance, and priority customer support.
Reviews
User feedback often points to challenges with customer support, including slow response times, alongside reports of sudden account closures and frozen funds without clear explanations. Check out more N26 reviews here.
5. Everestcard
Everestcard is a neobank that provides financial management services for businesses. It offers instant issuance of both virtual and physical Mastercard credit cards for team access to funds.
The platform allows for online management of cards and expenses through a dashboard and includes tools for automated reporting and digital receipt scanning. The service operates on a subscription model with a monthly fee for a set number of cards and an option to add more for an additional cost.
Pricing
Here's their pricing at a glance:
- €20 Monthly Fee: This plan provides up to three Mastercard credit cards and access to expense management tools.
- €5 Per Additional Card: Each card beyond the initial three costs an additional €5 per month.
- 90-Day Free Trial: A trial period is available for businesses to test the features before committing to a subscription.
- Further Details: For more specific information, businesses are instructed to contact the company directly.
Reviews
User feedback indicates concerns about the company's reliability, citing slow customer support and problems with account access. Check out more Everestcard reviews here.
6. Wallester
Wallester is a financial technology company specializing in corporate expense management solutions. It provides businesses with virtual and physical Visa cards to handle financial operations.
The platform offers real-time expense control, detailed financial reporting, and integrations with accounting software. It also provides instant virtual card issuance, multi-currency support, and advanced API integration.
Pricing
Here's their pricing at a glance:
- Free Plan: Includes up to 300 virtual cards and unlimited physical card issuance, with no account or minimum balance fees.
- Additional Virtual Cards: €0.20 per card/month: A fee is charged for each virtual card added beyond the free plan's allocation.
- Premium Plans: Available for businesses requiring more cards, with pricing details provided by the company.
- Demo Portal: Users can explore the platform's features without registration.
Reviews
User feedback indicates some customers have experienced challenges with platform integration, transaction processing, and the responsiveness of technical support. Check out more Wallester reviews here.
7. Payhawk
Payhawk is a spend management platform that integrates corporate cards, expense management, and accounts payable into a single system. It is designed to provide businesses with enhanced visibility and control over company expenditures through real-time tracking and reporting.
The platform offers Visa cards in multiple currencies, automated receipt collection, and AI-powered data extraction in over 65 languages. It also supports multi-entity management and connects with various accounting systems.
Pricing
Payhawk does not publicly disclose its pricing structure. Instead, the company provides personalized demos for potential customers to discuss pricing based on their specific business requirements.
Reviews
User feedback mentions issues with mobile app synchronization, delays in transaction updates, and challenges with the initial setup process and administrative clarity. Check out more Payhawk reviews here.
8. Kontist
Kontist is a German financial service provider offering business banking solutions tailored for freelancers and self-employed individuals. The company provides a business account with a German IBAN and a physical Visa debit card.
The platform incorporates automatic tax estimation and real-time tax calculation, with the ability to set aside funds for taxes. Paid plans add features such as subaccounts, a higher number of SEPA transfers, and VAT return services.
Pricing
Here's their pricing at a glance:
- Free Business Account: Provides 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 feedback indicates some customers have experienced issues with high fees and the overall cost structure. There are also reports of challenges with the responsiveness of customer support. Check out more Kontist reviews here.
9. Credem
Credem, also known as Credito Emiliano S.p.A., is an Italian banking institution founded in 1910 that has since expanded into retail and corporate banking, insurance, and investment services. The bank operates through several divisions to serve different client needs across these financial sectors.
A notable aspect of its operations is the acceptance of Parmigiano Reggiano cheese wheels as collateral for loans. The bank also provides free card issuance and allows for no-cost withdrawals at its proprietary ATMs.
Pricing
Credem's pricing structure varies depending on the service, with account maintenance fees starting from €4 per month and investment services having custom pricing. While card issuance is free and withdrawals are no-cost at Credem ATMs, detailed information on other fees requires direct contact with the bank.
Reviews
User feedback indicates issues with 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.
10. OneMoneyWay
OneMoneyWay is a digital platform that provides global financial services for small and medium-sized enterprises (SMEs) in Europe. It offers international transfers, foreign exchange for over 24 currencies, and various payment solutions, including SWIFT and SEPA.
The platform provides local IBAN accounts, virtual and physical corporate cards, and does not have transaction limits. It also includes tools for automatic bookkeeping and an invoice module for managing payments.
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 higher transaction fees.
- £49/month Starter: Billed annually, this plan provides up to three business accounts, two virtual and two physical corporate cards, and lower transaction fees.
- £99/month Business: Billed annually, this option offers up to five business accounts, four physical corporate cards, unlimited virtual cards, and the lowest transaction fees.
- Indicative Pricing: All listed prices are indicative and may vary based on the company's revenue and industry.
Reviews
User reviews frequently address the company's customer support and the onboarding process, with some customers mentioning extended processing times for account setup. Check out more OneMoneyWay reviews here.
Which One Should You Go With?
Choosing the right financial platform depends entirely on your company's unique needs, and any of the alternatives listed can be a great fit. If you're looking for a modern, reliable solution that excels in global payroll and digital asset management, we believe OneSafe stands out as an excellent choice. Ready to simplify your financial operations? Sign up for OneSafe today and see the difference for yourself.
