Propulse by CA offers a variety of financial management tools for entrepreneurs, but some users have reported challenges with customer support, prompting them to explore other options. This guide will examine what Propulse by CA provides, the reasons you might consider a different platform, and several alternatives to evaluate based on your business needs.
What is Propulse by CA?
Propulse by CA is an online banking and management platform designed for entrepreneurs, freelancers, and small businesses. It offers a suite of tools including a business account with a French IBAN, automated invoicing, and direct URSSAF contribution filing.
The service has a Starter plan for €8 per month and a Start+ plan for €17 per month. It holds a 3.6 out of 5 rating on Trustpilot, where users praise the app's simplicity but some report challenges with customer support.
What to Consider When Selecting a Propulse by CA Alternative?
When searching for a platform to replace Propulse by CA, it's important to weigh several key aspects to find the right fit for your business operations. Here are five factors to consider:
- Customer Support:Evaluate the responsiveness and quality of the support team, as this can significantly impact your ability to resolve issues quickly.
- Pricing Structure:Look beyond the monthly subscription to understand all transaction fees, foreign exchange rates, and any potential hidden costs.
- Core Business Tools:Ensure the platform offers robust features for invoicing, expense management, and multi-currency accounts to handle your daily financial tasks.
- Digital Asset Integration:If your business operates in the Web3 space, consider whether the platform supports cryptocurrency conversions and management.
- Software Integrations:Check for compatibility with your existing accounting, payroll, or other business software to automate workflows and save time.
If these points resonate with your business priorities, explore our detailed breakdown of the top alternatives in the next section.
10 Best Alternatives to Propulse by CA
1. OneSafe
OneSafe is a finance platform built to modernize banking for businesses, particularly those operating in the Web3 and crypto sectors. We offer a suite of tools for effective 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 for borderless transactions and provides comprehensive expense and payroll management. Businesses also benefit from our quick onboarding, frictionless transfers, and responsive customer support tailored for the digital asset space.
Pricing
Here's a glance at our straightforward pricing structure:
- Free Account Management: We charge no fees for account opening, maintenance, or card issuance, and there's no monthly subscription or minimum balance required.
- Low-Cost Domestic Transfers: US domestic ACH and standard wire transfers are just 0.1% per transaction, with Fedwire transfers at a flat $25 fee.
- Competitive International Payments: SEPA transfers are 0.2%, while international wires are 0.2% plus a $50 SWIFT fee.
- Efficient Crypto Transactions: USDT transactions have a 0.1% fee, and fiat-to-crypto conversions are included at market rates with no hidden charges.
- 3% Corporate Card FX: For non-USD spending on our corporate cards, a 3% foreign exchange fee applies.
Reviews
Clients consistently praise our platform for its exceptional customer support and its ability to solve complex financial headaches, especially for businesses in the Web3 space.
- 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, check us out here.
2. Finom
Finom is a European financial technology company founded in 2019, providing digital banking and financial management services for SMEs and freelancers. The platform offers a suite of services including online accounts with local IBANs, invoicing, and expense management.
Users receive free physical and unlimited virtual debit cards, can earn up to 3% cashback on business purchases, and have support for international payments. The company also provides several subscription plans tailored to different business needs, from a free solo plan to enterprise-level options.
Pricing
Here is a look at their pricing plans:
- Free Solo Plan: For freelancers and self-employed individuals, this plan includes one user and basic invoicing features.
- €9/month Start Plan: This plan includes two users and advanced invoicing features for small businesses.
- €28/month Premium Plan: This option provides five users with invoicing and accounting integrations.
- €149/month Corporate Plan: Tailored for larger businesses, this plan offers ten users and advanced invoicing and accounting features.
- €339/month Enterprise Plan: This plan includes fifteen users and all features available in the Corporate plan.
Reviews
User feedback often comments on the platform's interface and invoicing tools, while some have reported concerns with account management, transaction processing, and fees. Check out more Finom reviews here.
3. Payhawk
Payhawk is a spend management platform that combines corporate cards, expense management, accounts payable, and procurement into a single system. This integration provides businesses with real-time tracking and reporting for greater visibility and control over company expenditures.
The platform offers multi-currency Visa cards, automated receipt collection, and AI-powered data extraction in over 65 languages. It also supports multi-entity management for businesses with multiple subsidiaries and connects with various accounting systems.
Pricing
Payhawk does not publicly list its pricing on its website. Potential customers must schedule a personalized demo to receive pricing information tailored to their business requirements.
Reviews
User feedback often addresses the platform's interface and expense tools, with some reviewers noting issues like mobile app synchronization, transaction update delays, and difficulties with the initial setup. Check out more Payhawk reviews here.
4. Wise
Wise, formerly known as TransferWise, is a UK-based financial technology company founded in 2011 that specializes in international money transfers. The company provides a multi-currency account and debit card for its individual and business customers.
Its platform operates by using the mid-market exchange rate for transactions, with a pay-as-you-go pricing model instead of monthly subscriptions. Users can hold funds in over 40 currencies and spend internationally with the Wise debit card.
Pricing
Here is a glance at their pricing:
- From 0.57% Sending Fee: A variable fee for sending money, which changes based on the currency.
- $9 One-Time Card Fee: A single charge for the Wise Multi-Currency Card.
- $31 One-Time Business Setup Fee: A fee for businesses to receive account details in 23 currencies.
- Variable ATM Fees: Fees apply for ATM withdrawals exceeding $100 per month.
- Variable Receiving Fees: Receiving domestic payments in certain currencies is free, while international wire transfers have fixed fees.
Reviews
User feedback often points to issues with account freezes and unresponsive customer support, with some customers also reporting payment processing delays. Check out more Wise reviews here.
5. Revolut
Revolut is a British financial technology company founded in 2015 that offers a range of banking services. Its offerings include current accounts, debit and credit cards, stock and cryptocurrency trading, and peer-to-peer payments.
The platform enables users to manage and exchange over 25 currencies at the interbank rate and supports international money transfers. Additionally, it provides team management tools like issuing cards with spending controls and integrates with accounting software such as Xero and Sage.
Pricing
Here is a glance at their pricing:
- 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 Pricing Enterprise Plan: Tailored to specific business requirements.
Reviews
User reviews often discuss the platform's interface and payment capabilities, while some customers have noted challenges with customer support and limitations in specific banking features. Check out more Revolut reviews here.
6. Credem
Credem, or Credito Emiliano S.p.A., is an Italian banking institution founded in 1910. The bank offers retail and corporate banking, insurance, and investment solutions through its various divisions.
A distinct aspect of its operations is the practice of accepting wheels of Parmigiano Reggiano cheese as collateral for loans. This approach to financing is part of its business model.
Pricing
Credem's pricing structure varies depending on the service, with account maintenance fees starting from €4 per month and free card issuance. Investment services have custom pricing, and information regarding free plans is not specified.
Reviews
User feedback indicates issues with service delivery, including delays in receiving debit and credit cards. Customers have also noted a lack of digital card options and expressed concerns about the responsiveness of customer support. Check out more Credem reviews here.
7. Vivid Business
Vivid Money is a financial platform that provides services for personal, business, and freelance accounts. It offers users tools for banking, payments, and investments.
The service includes the ability to hold up to 30 German IBANs, issue virtual and physical cards, and earn interest on account balances. Different plans are available, which vary in the number of accounts and team members supported.
Pricing
Here is a glance at their pricing plans:
- €0/month Free Start: This plan includes 12 accounts, one team member, and an interest rate of 4% p.a. for the first four months, then 0.1% p.a. thereafter.
- €7/month Basic: This plan includes 15 accounts, 15 team members, and an interest rate of 4% p.a. for the first four months, then 0.5% p.a. thereafter.
- €19/month Pro: This plan includes 20 accounts, 30 team members, and an interest rate of 4% p.a. for the first four months, then 1.3% p.a. thereafter.
Reviews
User feedback often addresses the platform's app functionality and payment features, though some customers have reported issues with account freezes or funds being held without clear explanation. Check out more Vivid Business reviews here.
8. Niural
Niural is an AI-powered global Professional Employer Organization (PEO) and B2B payments platform that operates in the United States and over 150 other countries. The company provides a suite of services including US and international payroll, PEO services, benefits administration, and compliance management.
By leveraging AI technology, Niural automates complex HR and payroll tasks to help maintain compliance with local labor laws and facilitate payroll processing. This integration allows businesses to manage their workforce, whether they have a small team or thousands of employees.
Pricing
Here's a glance at their pricing:
- $100/month + $20/employee/month US Payroll Basic: This plan includes standard payroll services for businesses.
- Custom Pricing US Payroll Plus: This plan adds multi-state payroll, custom pay schedules, and unlimited runs for a higher fee.
- $120/employee/month US PEO Basic: This option offers HR and compliance support.
- Custom Pricing US PEO Plus: This plan includes additional benefits like mental health resources and COBRA administration for a higher fee.
- From $599/employee/month Employer of Record: This service is for managing international employees.
Reviews
User feedback often addresses the platform's management of HR and payroll and its interface, with some reviews noting occasional customer support delays and difficulties navigating its features. Check out more Niural reviews here.
9. N26
N26 is a German fintech company founded in 2013 that provides a fully mobile banking experience. The company offers services such as transaction accounts, debit cards, overdrafts, and investment products.
Its platform delivers real-time banking updates and a user interface designed for financial management. Additionally, it incorporates tools for monitoring expenditures and setting aside funds.
Pricing
Here is a glance at their pricing:
- 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 offers tools for spending and saving, including the ability to create up to 10 sub-accounts.
- €9.90/month N26 Go: This account is designed for travel, offering benefits like 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 points to challenges with customer support, including slow response times and unhelpful replies. Some customers also report issues such as account closures without clear explanation and frozen funds. Check out more N26 reviews here.
10. Primis Bank
Primis Bank, established in 2005 as Sonabank and rebranded in 2021, is a Virginia-based financial institution with over $3.4 billion in assets. The bank provides a range of FDIC-insured services, including business and personal accounts, high-yield savings, and CDs.
Accounts come with no monthly fees, no overdraft charges, no minimum balance requirements, and unlimited transactions. The bank also provides business insights and 24/7 customer support.
Pricing
Primis Bank does not publicly list a detailed pricing structure, though it states that its accounts have no monthly fees, overdraft charges, or minimum balance requirements. For more specific information on other potential fees or interest rates, prospective customers are advised to contact the bank directly.
Reviews
User feedback indicates some customers have experienced challenges with the bank's services. Common points of concern include denied business account applications without clear reasons, long wait times for customer service, and difficulties with account access. Check out more Primis Bank reviews here.
Which One Should You Go With?
Choosing the right financial platform is a big decision, and any of the alternatives listed can serve your business well. However, if you're looking for a modern solution that understands the unique needs of digital-first businesses, we recommend giving OneSafe a try. Ready to see how we can simplify your finances? Sign up for OneSafe today.
