While Request Finance provides a platform for managing both crypto and fiat finances, its specific features or pricing structure might lead you to search for other solutions. This guide will explain what Request Finance offers, detail reasons why you might consider an alternative, and introduce other platforms tailored to different business needs.
What is Request Finance?
Request Finance is a financial management platform for businesses operating with both cryptocurrency and traditional fiat currencies. It features versatile crypto-to-fiat payments and supports over 350 cryptocurrencies across 18 payment networks.
The platform has earned positive user reviews on sites like Capterra and Trustpilot for its user-friendly interface and responsive support. However, some users note a need for more instructional materials and enhanced invoice customization options.
What to Consider When Selecting a Request Finance Alternative?
When searching for a platform to replace Request Finance, it's helpful to compare several key factors to find the right fit for your business:
- Dual Currency Management:Assess the platform's ability to handle both cryptocurrency and traditional fiat currencies for payments, payroll, and expenses.
- Core Business Features:Determine if the platform provides essential tools for accounts payable, accounts receivable, and expense management that fit your operational needs.
- Fee Structure:Compare the pricing models, from monthly subscriptions to per-transaction fees, to find the most cost-effective solution for your transaction volume.
- Software Integration:Check for compatibility with your existing accounting software, such as Xero or QuickBooks, to ensure streamlined financial reporting.
- Customer Support and User Experience:Consider the quality of customer service and the platform's ease of use, as highlighted in user reviews and testimonials.
If these considerations resonate with your business priorities, check out the alternatives detailed in the next section to find your ideal financial platform.
10 Best Alternatives to Request Finance
1. OneSafe
At OneSafe, we offer a finance platform designed to streamline banking processes for businesses, especially those operating in the Web3 and crypto industries. Our services provide the necessary 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, simplifying payroll and expense management for global teams. We also provide end-to-end expense and payroll solutions, along with rapid onboarding and dedicated customer support for businesses in the digital asset space.
Pricing
Here’s a look at our straightforward pricing structure:
- Free Account Essentials: We don't charge for opening or maintaining your account, issuing cards, or have a monthly subscription. Plus, there's no minimum balance required.
- 0.1% US Domestic Transfers: This rate applies to both ACH and wire transfers within the United States.
- From 0.2% International Payments: This covers SEPA (EUR) transactions, while international wires have this rate plus a $50 SWIFT fee.
- 0.1% Crypto Transactions: A low fee for USDT transactions. Our fiat-to-crypto conversions are included at market rates with no hidden charges.
- 3% Corporate Card FX: This fee applies to non-USD spending on your corporate card.
Reviews
Our clients consistently praise our platform for its outstanding customer support and for providing an intuitive banking solution that resolves major operational headaches for 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 a banking solution that gets it? Check us out here.
2. RelayFi
RelayFi is a financial technology company that offers an online banking platform tailored for small businesses. The platform provides tools to help companies handle their financial operations.
Users can create up to 20 fee-free checking accounts with no minimum balance and connect with accounting software like QuickBooks and Xero. The service also includes automated high-yield savings accounts, customizable debit cards with spending controls, and is the official banking platform for the Profit First methodology.
Pricing
Here is a look at RelayFi's pricing plans:
- $0 per month Starter Plan: This plan includes banking features, automated savings, and integrations with accounting software like QuickBooks and Xero.
- $30 per month Grow Plan: This plan offers all features from the Starter Plan, adding tools such as multi-step bill approval rules, customizable bookkeeping automation, and branded invoices.
- $90 per month Scale Plan: Currently discounted from $120 per month, this plan provides all Grow Plan features, plus AI-powered automation, cash flow insights, and faster customer support.
Reviews
User reviews frequently discuss the platform's features, including its user interface and integrations with accounting software. Some users have reported transaction delays and account freezes, while others have noted concerns about customer support responsiveness. Check out more RelayFi reviews here.
3. Wise
Wise, formerly TransferWise, is a financial technology company that specializes in international money transfers. It serves both individual and business customers through its various platform offerings.
The service provides a multi-currency account to hold and manage funds in over 40 currencies, along with a debit card for spending worldwide. Its pricing is based on a pay-as-you-go model, using the mid-market exchange rate for transactions.
Pricing
Here is a look at their pricing:
- Pay-As-You-Go Model: Wise operates without monthly subscriptions or fees.
- From 0.57% Sending Money: Fees for sending money are variable and depend on the currency.
- $9 One-Time Fee Multi-Currency Card: This is a one-time charge for the card, with additional fees for ATM withdrawals over $100 per month.
- $31 One-Time Fee Business Account: This is a setup fee for businesses to receive account details in multiple currencies.
- Varies Receiving Money: Receiving domestic payments in certain currencies is free, while international wire transfers have fixed fees.
Reviews
User reviews mention the platform's usability for international transfers, but also cite issues like account freezes and unresponsive customer support. Check out more Wise reviews here.
4. Tide Bank
Tide is a UK-based financial technology company established in 2015, offering mobile-first banking services for small and medium-sized enterprises. The platform provides current accounts, automated bookkeeping, integrated invoicing, and works with accounting software such as Sage, QuickBooks, and Xero.
Businesses can open an account through the Tide app, which includes built-in accounting and tax tools for financial management. The service also facilitates cash deposits at UK Post Office or PayPoint locations, offers expense cards for team members, and supports international payments.
Pricing
Here is a look at their pricing at a glance:
- No monthly fee Free Plan: This plan charges 20p per UK transfer, £1 per ATM withdrawal, and a 0.99% fee (minimum £2.50) for cash deposits at the Post Office.
- £12.49 + VAT per month Smart Plan: This plan includes 25 free UK transfers, one free expense card, and priority in-app support. Foreign currency card transactions have a 2.75% FX fee.
- £24.99 + VAT per month Pro Plan: This plan offers unlimited free UK transfers, two free expense cards, and 24/7 phone and legal support. Foreign currency card transactions are fee-free.
- £69.99 + VAT per month Max Plan: This plan provides unlimited free UK transfers, three free expense cards, and a dedicated account manager. Foreign currency card transactions are fee-free.
Reviews
User reviews indicate some customers have experienced issues with customer support responsiveness and account access. Reports mention delays in communication and occasional problems during the onboarding process. Check out more Tide Bank reviews here.
5. Credem
Credem, or Credito Emiliano S.p.A., is an Italian banking institution founded in 1910 and headquartered in Reggio Emilia. The bank offers retail and corporate banking, insurance, and investment solutions through its different divisions.
A notable aspect of Credem's operations is its practice of accepting wheels of Parmigiano Reggiano cheese as collateral for loans. This method is an example of its approach to banking services.
Pricing
Credem's pricing varies depending on the specific product or service, with account maintenance fees starting from €4 per month. While card issuance and withdrawals at Credem ATMs are free, investment services have custom pricing, and information regarding free plans or demos is not specified.
Reviews
User feedback often points to issues such as delays in receiving debit and credit cards and a lack of digital card options. Some customers also report concerns regarding the responsiveness of customer service. Check out more Credem reviews here.
6. Airwallex
Airwallex is a financial technology company founded in 2015 that offers a suite of financial services for businesses. The platform provides tools for cross-border payments, multi-currency business accounts, expense management, and corporate cards.
Businesses can hold funds in over 20 currencies and make local transfers to more than 120 countries. The service also includes corporate cards with zero international fees and integration with accounting software like Xero and QuickBooks.
Pricing
Here is a look at their pricing plans:
- Free Explore Plan: For small businesses, this plan is free for users who deposit at least $5,000 per month or maintain a minimum balance of $10,000. It includes multiple business accounts, free transfers to over 120 countries, and access to interbank FX rates.
- $99 per month Grow Plan: This plan includes all features of the Explore Plan, adding international batch transfers, expense management, and bill pay services.
- $499 per month Accelerate Plan: This plan includes all features of the Grow Plan, along with centralized management of finances across global entities and single sign-on capabilities.
- Custom Plan: Pricing is tailored for high-volume businesses or those needing custom API implementations based on specific requirements.
Reviews
User reviews indicate some customers have experienced issues with customer service, including delayed responses and account suspensions without clear explanations. Some users also report challenges with the Know Your Customer (KYC) process and limited support options. Check out more Airwallex reviews here.
7. Fiducial Banque
Fiducial Banque is an online banking institution established in 2014 as a subsidiary of the Fiducial Group, serving professionals, SMEs, merchants, and associations. The bank offers a range of services tailored to the needs of entrepreneurs.
Clients are provided with a dedicated advisor and can manage their accounts online at any time. The institution also provides financing solutions, such as business loans and leasing options, to support business development.
Pricing
Here is a look at their pricing at a glance:
- €12/month (excl. tax) PRO Base: This package includes a professional current account, a dedicated banking advisor, 24/7 online access, a Visa Business debit card, unlimited SEPA transfers, and check deposit services.
- €25/month (excl. tax) PRO Plus: This includes all PRO Base services, plus the ability to accept card payments, a choice of debit cards, and checkbooks.
- €45/month (excl. tax) PRO Excellence: This includes all PRO Plus services, plus unlimited account movement commissions, one free monthly cash deposit, and a Visa Premier debit card with deferred debit.
Reviews
User feedback points to issues with customer service responsiveness and technical difficulties with the bank's digital platforms. Some clients have mentioned delays in receiving support and occasional system failures. Check out more Fiducial Banque reviews here.
8. Ampere
Ampere is a UK-based financial services provider that offers a business current account for startups and small to medium-sized enterprises. The platform provides tools intended to help companies manage their financial operations.
The service includes multi-currency accounts, currency exchange at a 0.35% rate, and the ability to create invoices from the bank account. It also provides business loans, commercial mortgages, and merchant accounts with settlements twice a week.
Pricing
Here is a look at their pricing at a glance:
- £35 Setup + £20/month Business Account: For UK residents, this includes the first month's maintenance and card issuance.
- £25 Setup + £10/month Private Account: This setup cost covers the first month's maintenance and card issuance.
- Free Local Transfers: Transfers in GBP (UK Faster Payments) and EUR (SEPA) are free of charge.
- Varies International & Card Fees: International SWIFT transfers are £25, currency exchange is 0.35%, and ATM withdrawals are 2% plus £1.50.
- From IC++0.35% Merchant Services: Setup is free for low and medium-risk merchants, with acquiring fees starting at IC++0.35%.
Reviews
User feedback often discusses the platform's usability, multi-currency features, and transaction speeds. Some reviews note a need for more advanced business features and mention issues with customer service responsiveness and payment processing. Check out more Ampere reviews here.
9. N26
N26 is a German fintech company established in 2013 that delivers a fully mobile banking experience. The company provides services including transaction accounts, debit cards, overdrafts, and various investment products.
Its platform operates in real-time through a mobile app interface that includes tools for managing spending and savings. Users can access a virtual Mastercard for online payments, create sub-accounts for budgeting, and obtain travel insurance depending on their account plan.
Pricing
Here is a look at their pricing at a glance:
- Free N26 Standard: This is a free account that includes a virtual Mastercard for online purchases and mobile payments.
- €4.90/month N26 Smart: This account 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 and includes benefits like free ATM withdrawals abroad and travel insurance.
- €16.90/month N26 Metal: This premium account includes a metal card, travel insurance, and priority customer support.
Reviews
User feedback often points to issues with customer support, including slow response times and unhelpful replies. Some customers also report account closures without clear explanations and problems with frozen funds. Check out more N26 reviews here.
10. Mercury
Mercury is a financial technology company that provides online business banking services for startups and small businesses. The platform offers a range of financial products to support their operations.
The service includes FDIC-insured accounts, corporate cards, and tools for bill pay and invoicing within a single dashboard. Entrepreneurs outside the U.S. can open accounts for their U.S.-incorporated companies.
Pricing
Here is a look at their pricing at a glance:
- Free Mercury Plan: This plan offers essential banking services, including checking and savings accounts, corporate cards, bill pay, invoicing, and reimbursements.
- $35 per month Mercury Plus: This plan includes all features of the Mercury Plan with additional reimbursements and invoicing capabilities.
- $350 per month Mercury Pro: This plan includes all features of Mercury Plus, along with advanced workflows and dedicated support.
- Custom Pricing: For businesses with balances over $10 million, Mercury provides custom solutions with tailored pricing.
Reviews
User reviews mention a variety of experiences, with some customers reporting issues like sudden account closures, frozen funds, and payment processing delays. Others have noted concerns about the responsiveness of customer support. Check out more Mercury reviews here.
Which One Should You Go With?
Choosing the right financial platform depends on your unique business needs, and any of the options listed can be a great fit. If you're looking for a powerful alternative built for the digital age, we recommend giving OneSafe a look. Ready to simplify your business banking? Sign up for OneSafe today!
