Roma offers financial services connecting traditional and digital currencies, but its focus on institutional clients and lack of transparent pricing may lead some to seek other options. This article will explain what Roma is, detail the reasons you might consider an alternative, and explore other global payment solutions available. We will cover various platforms to help you find one that better suits your specific needs.
What is Roma?
Roma is a financial services firm that specializes in connecting fiat currencies and digital assets for its institutional clientele. It provides on- and off-ramp support for AED, USD, and EUR, alongside a 24/7 over-the-counter trading platform with enterprise-grade security.
The company does not publicly list its pricing, requiring prospective clients to contact them directly for details. Furthermore, there are no public reviews available, making it difficult to assess customer satisfaction or overall ratings.
What to Consider When Selecting a Roma Alternative?
When searching for a Roma alternative, it's helpful to evaluate platforms based on a few key characteristics:
- Pricing Structure: Evaluate whether the platform uses a subscription model, per-transaction fees, or a pay-as-you-go system to find the most cost-effective option for your business volume.
- Digital Asset Capabilities: Determine if the service supports direct conversions between fiat currencies and digital assets, a key feature for companies operating in the Web3 space.
- Target Audience and Features: Consider if the platform is built for your type of business—whether you need robust payroll management, corporate expense cards, or simple multi-currency accounts.
- Customer Support and Reputation: Investigate public reviews and user feedback to gauge the quality of customer service and the platform's overall reliability.
- Fees and Exchange Rates: Compare the costs for international transfers, currency conversions, and other transactions to understand the total expense of using the service.
If these factors resonate with your business needs, explore some of the top alternatives available in the next section.
10 Best Alternatives to Roma
1. OneSafe
OneSafe is a finance platform built to streamline banking processes for businesses, particularly those operating in the Web3 and crypto sectors. We offer a suite of tools for straightforward 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, which allows for uncomplicated payroll and expense management for international teams. This is paired with end-to-end expense management, frictionless transfers, and highly responsive customer support tailored for the digital asset space.
Pricing
Here's our pricing at a glance:
- Free Account Services: We charge no fees for account opening, maintenance, or card issuance, and there's no minimum balance required.
- Low-Cost Domestic Transfers: Pay just 0.1% for US domestic ACH and standard wires, or a flat $25 fee for Fedwire transfers.
- Competitive International Payments: SEPA payments in EUR are 0.2% per transaction, while international wires are 0.2% plus a $50 SWIFT fee.
- Transparent Crypto Fees: We charge a 0.1% fee for USDT transactions, and our fiat-to-crypto conversions are included with market rates, with no hidden charges.
- Corporate Card FX: A 3% foreign exchange fee applies to all non-USD spending on your corporate card.
Reviews
Clients consistently praise our platform for its exceptional customer support and for providing a banking solution that truly understands and resolves the challenges faced by modern businesses, especially those 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 to see what we can do for you? Check us out here.
2. Airwallex
Airwallex is a financial technology company that provides a suite of services including cross-border payments, multi-currency business accounts, and expense management. Founded in 2015, the platform is designed to support businesses with their global financial operations.
The service enables businesses to hold funds in over 20 currencies and provides foreign exchange rates at 0.5% to 1% above the interbank rate. It also offers corporate cards without international fees and can be integrated with accounting platforms like Xero and QuickBooks.
Pricing
Here's their pricing at a glance:
- Free Explore Plan: This plan is for small businesses and is free for users who deposit at least $5,000 per month or maintain a minimum balance of $10,000.
- $99/month Grow Plan: Suited for growing businesses, this plan adds international batch transfers, expense management, and bill pay services to the features of the Explore Plan.
- $499/month Accelerate Plan: This plan is for large businesses and includes features from the Grow plan, along with centralized financial management and single sign-on capabilities.
- Custom Plan: For businesses with high volume or custom API needs, pricing is determined based on specific requirements.
Reviews
User reviews for Airwallex point to varied experiences with the platform. Some customers report issues with customer service, including delayed responses and account suspensions, while others have noted challenges with the onboarding process. Check out more Airwallex reviews here.
3. Ampere
Ampere is a UK-based financial services provider with a business current account designed for startups and small to medium-sized enterprises. The platform offers multi-currency accounts and allows users to create invoices directly from their bank account.
The service provides currency exchange at a 0.35% rate, business loans, commercial mortgages, and merchant accounts with acquiring fees starting from 0.65%. It also includes twice-weekly settlements for merchant services.
Pricing
Here's their pricing at a glance:
- £35 Setup + £20/month Business Account: This includes a £20 monthly maintenance fee and a £15 card issuance fee.
- £25 Setup + £10/month Private Account: This covers a £10 monthly maintenance fee and a £15 card issuance fee.
- Transfer Fees: Local GBP and EUR transfers are free, while international SWIFT transfers cost £25.
- Transaction Fees: Currency exchange for GBP and EUR is charged at 0.35%, and ATM withdrawals have a 2% fee plus £1.50 per transaction.
- Merchant Services: Setup is free, with acquiring fees starting from IC++0.35% for low-risk and IC++0.95% for medium-risk transactions.
Reviews
User feedback indicates a desire for more advanced business features and support for additional currencies like USD, while some reviews point to issues with customer service response times and payment processing. Check out more Ampere reviews here.
4. Reap
Reap is a financial technology company founded in 2018 that offers a suite of products to manage financial operations for businesses. Its offerings include the Reap Card, a secured corporate credit card, alongside payment solutions and API services for embedded finance.
The platform’s corporate card allows for bill repayments in both fiat and digital currencies, with features for spend control and global coverage. Reap also provides API solutions for businesses to issue their own cards and automate global payouts.
Pricing
Here's their pricing at a glance:
- No Annual Fee for Reap Card: The corporate card is available with no annual or hidden service fees.
- 1.2% Fee for Stablecoin Repayments: A handling fee is applied when making repayments with stablecoins.
- 2% Fee for ATM & FX Transactions: A fee is charged for both ATM withdrawals and foreign exchange transactions.
- Custom Pricing for API Solutions: Pricing for card issuing, payment APIs, and compliance APIs is customized and based on product usage.
Reviews
User reviews for Reap are mixed, with some customers reporting issues related to credit limit changes without notice, customer service responsiveness, and overall financial standards. Check out more Reap reviews here.
5. Wallester
Wallester is a financial technology company specializing in corporate expense management solutions through virtual and physical Visa cards. The platform is built to streamline financial operations for businesses of various sizes.
It offers real-time expense control, detailed financial reporting, and integrations with accounting software. The service also provides instant virtual card issuance, multi-currency support, and API integration capabilities.
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.
- €0.20 per card/month for Additional Virtual Cards: This fee is applied for each virtual card issued beyond the 300 included in the free plan.
- Premium Plans: Available for businesses requiring more cards, with pricing details provided by the company.
Reviews
User reviews note that some customers have reported challenges with integration and occasional delays in technical support. Check out more Wallester reviews here.
6. Revolut
Revolut is a British financial technology company founded in 2015 that offers a range of banking services, including current accounts, debit cards, and trading for stocks and cryptocurrency. The platform also provides peer-to-peer payments and other financial transaction capabilities.
Its accounts allow for the management and exchange of over 25 currencies, alongside support for global payments. The service includes team management features like issuing cards with spending controls and integrations with accounting software such as Xero and Sage.
Pricing
Here's their pricing at a glance:
- 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 Enterprise Plan: Pricing is tailored to specific business requirements.
Reviews
User feedback indicates a mix of experiences, with comments on the app's interface and payment features, alongside reports of challenges with customer support and certain banking functions. Check out more Revolut reviews here.
7. Bunq
Bunq is a Dutch fintech company established in 2012, offering mobile banking services for personal and business use across 30 European countries. The platform provides accounts with features such as multiple IBANs, multi-currency support, and a public API for developers.
It also incorporates a sustainability program where trees are planted based on the user's subscription plan and provides options to invest in environmental projects. Users can also access cryptocurrency exchange and other investment features through the service.
Pricing
Here's their pricing at a glance:
- Free bunq Free: Free for sole proprietors, includes 3 bank accounts with IBANs.
- €7.99/month bunq Core: Includes 3 bank accounts with IBANs.
- €13.99/month bunq Pro: Includes 5 bank accounts with IBANs.
- €23.99/month bunq Elite: Includes 25 bank accounts with IBANs.
Reviews
User reviews indicate varied experiences with the platform, with some customers reporting challenges related to customer support, slow response times, and difficulties resolving account issues. Check out more Bunq reviews here.
8. Blank
Blank is a French company that offers online professional accounts designed for freelancers and small businesses. The service provides users with a French IBAN and a Visa Business card for their financial operations.
The platform includes tools for creating quotes and invoices, automated Urssaf declarations, and simplified accounting. It also provides access to professional insurance solutions and various partner offers.
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, 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, and higher card limits.
Reviews
User feedback for Blank indicates varied experiences. Some customers have reported difficulties with account closure processes and delays in accessing their funds. Check out more Blank reviews here.
9. Wise
Wise, formerly known as TransferWise, is a UK-based financial technology company founded in 2011. The company specializes in international money transfers and serves both individual and business clients.
It provides transfers using the mid-market exchange rate and offers a multi-currency account to hold and manage funds in over 40 currencies. A debit card is also available for spending and withdrawing cash worldwide.
Pricing
Wise operates on a pay-as-you-go model with no monthly subscription fees, and charges for sending money start from 0.57%, varying by currency. A one-time fee of $31 applies to set up a business account for receiving payments, and the multi-currency card has a one-time fee of $9, with other costs for specific transactions like ATM withdrawals.
Reviews
User feedback points to varied experiences, with some customers reporting issues like account freezes, delayed transfers, and difficulties with customer support. Check out more Wise reviews here.
10. RelayFi
RelayFi is a financial technology company that offers an online banking platform tailored for small businesses. The service is structured to support various business banking needs through its digital interface.
The platform allows users to open up to 20 checking accounts, issue multiple debit cards with spending controls, and provides integrations with accounting software like QuickBooks and Xero. It also offers automated savings accounts with competitive APYs and is the official banking platform for the Profit First methodology.
Pricing
Here's their pricing at a glance:
- $0/month Starter Plan:This plan is for solopreneurs and new businesses and includes banking features, automated savings with a 1.03% APY, and integrations with QuickBooks and Xero.
- $30/month Grow Plan:This plan is for small teams and includes all Starter Plan features plus multi-step bill approval rules, bookkeeping automation, and branded invoices.
- $90/month Scale Plan:This plan is for larger teams and includes all Grow Plan features along with AI-powered automation, cash flow insights, and faster customer support.
Reviews
User feedback often comments on customer service and the platform's interface. While some users report issues such as transaction delays or account freezes, others mention the platform's accounting software integrations and features that support cash flow management. Check out more RelayFi reviews here.
Which One Should You Go With?
Navigating the world of global finance can be complex, but any of the platforms listed can be a great choice depending on your specific needs. If you're looking for a solution that truly understands the digital asset space, we believe OneSafe offers the most comprehensive tools for modern businesses. Ready to see the difference? Sign up for OneSafe today.
