SmartValor is a digital asset platform, but mixed user experiences, particularly concerning customer service and fund access, have led many to explore other options for their banking and global payment needs. This article will delve into what SmartValor offers, examine the reasons you might consider a different service, and highlight several alternatives tailored to your specific requirements.
What is SmartValor?
Established in 2017, SmartValor is a Switzerland-based Web3 AI company offering a regulated crypto investment platform for retail and institutional clients. It provides AI-driven market intelligence and a full suite of services, including trading and staking, under strict regulatory oversight.
While many users praise the platform's user-friendly interface and low fees, the overall sentiment is mixed. Some customers report significant issues with customer support, account management, and withdrawal delays.
What to Consider When Selecting a SmartValor Alternative?
When searching for a SmartValor alternative, it's important to weigh several factors to find the right fit for your business needs:
- Regulatory and Security Framework: How well does the platform protect your assets and comply with financial regulations?
- Crypto and Fiat Capabilities: Does the service support both traditional currency and digital assets, including easy conversions between them?
- Customer Support Quality: Can you rely on responsive and effective support when you encounter issues with your account or transactions?
- Fee Structure: Are the fees for transactions, conversions, and account maintenance transparent and competitive?
- Business Management Tools: Does the platform offer integrated tools for payroll, expense management, or invoicing to streamline your operations?
If these considerations resonate with you, check out the alternatives we've detailed in the next section.
10 Best Alternatives to SmartValor
1. OneSafe
OneSafe is a finance platform designed to modernize banking for businesses, particularly those operating in the Web3 and crypto sectors. We provide the tools for straightforward fund management, quick 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. Businesses also benefit from our rapid account setup, frictionless transfers, and highly responsive customer support tailored for the digital asset space.
Pricing
Here's a look at our straightforward pricing structure:
- Free Account Services: We believe in transparent banking, which is why we offer free account opening, maintenance, and card issuance with no monthly subscription or minimum balance requirements.
- Low-Cost Domestic Transfers: Move funds within the US for just 0.1% per transaction for ACH and standard wires, or a flat $25 fee for Fedwire.
- Competitive International Payments: Send SEPA payments for only 0.2% per transaction and international wires for 0.2% plus a standard $50 SWIFT fee.
- Affordable Crypto Operations: Manage your digital assets with a low 0.1% fee on USDT transactions and enjoy fiat-to-crypto conversions with no hidden charges, just market rates.
- Transparent Card Fees: Use your corporate card globally with a straightforward 3% FX fee on non-USD spending.
Reviews
Clients consistently praise our platform for its outstanding customer support and for providing an intuitive banking solution that resolves major operational headaches for modern businesses.
- 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.”
Ready to simplify your banking? Check us out here.
2. Credem
Credem, or Credito Emiliano S.p.A., is an Italian banking institution founded in 1910. The bank offers a variety of financial products, including retail and corporate banking, insurance, and investment solutions.
One notable aspect of its operations is the acceptance of Parmigiano Reggiano cheese wheels as collateral for loans. This practice highlights its specialized approach to banking within its regional market.
Pricing
Here's their pricing at a glance:
- €4+ Monthly Fee: Account maintenance fees begin at €4 per month.
- Free Card Issuance: There is no charge for card issuance.
- Free ATM Withdrawals: Withdrawals from Credem ATMs do not incur a fee.
- Custom Investment Pricing: Pricing for investment services is determined on a case-by-case basis.
Reviews
User feedback often points to several areas of concern, including delays in receiving debit and credit cards, a lack of digital card options, and issues with customer service responsiveness. Check out more Credem reviews here.
3. 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 global money transfers. Additionally, it provides team management capabilities, such as issuing cards with spending controls, and integrates with accounting software like Xero and Sage.
Pricing
Here's their pricing at a glance:
- From £10/month Basic Plan: Provides features for running a business.
- From £30/month Grow Plan: Offers 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: Pricing is tailored to specific business requirements.
Reviews
User feedback often centers on the app's interface, payment speed, and currency exchange features. However, some users report challenges with customer support, account verification, and limitations on certain banking functionalities. Check out more Revolut reviews here.
4. Bunq
Bunq is a Dutch fintech company founded in 2012 that provides mobile banking services across 30 European countries. It offers both personal and business accounts with features such as multiple International Bank Account Numbers (IBANs) and multi-currency support.
The platform provides a public API for developers and incorporates a sustainability initiative where trees are planted based on the user's subscription plan. Customers also have the option to direct their investments toward environmental projects.
Pricing
Here's their pricing at a glance:
- Free bunq 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 often mention the platform's app design and range of features, while some customers report issues with customer support responsiveness and challenges in resolving account problems. Check out more Bunq reviews here.
5. VIALET
VIALET is a Lithuanian Electronic Money Institution (EMI) established in 2017 that offers digital banking services for small and medium-sized enterprises. The company provides dedicated International Bank Account Numbers (IBANs) for SEPA, SEPA Instant, and SWIFT transactions, along with card processing solutions.
The platform supports various payment methods, including C2B, B2B, and B2C, and offers banking APIs and mass payouts for global SMEs. Additionally, VIALET accepts payments involving cryptocurrency processors and provides accounts for EU-licensed crypto exchanges.
Pricing
VIALET does not publicly list its pricing details. Prospective clients must submit an application to receive an initial price list, with final fees potentially customized based on the business's specific needs.
Reviews
User feedback points to challenges with customer service and instances of unprofessional conduct. Some customers also report difficult account opening processes with lengthy response times and extensive information requirements. Check out more VIALET reviews here.
6. Finom
Finom is a European financial technology company founded in 2019, offering digital banking and financial management services for small to medium-sized enterprises and freelancers. The platform provides online account opening with local IBANs, invoicing tools, accounting integrations, and expense management.
It issues free physical and unlimited virtual debit cards and provides up to 3% cashback on business purchases. The service also supports multiple currencies and international payments, aiming to streamline financial operations for businesses across Europe.
Pricing
Here's their pricing at a glance:
- Free Solo Plan: Includes one user, a personal IBAN, and basic invoicing features.
- €9/month Start Plan: Includes two users, a personal IBAN, and advanced invoicing features.
- €28/month Premium Plan: Offers five users, a personal IBAN, and invoicing and accounting integrations.
- €149/month Corporate Plan: Provides ten users, a personal IBAN, and advanced invoicing and accounting features.
- €339/month Enterprise Plan: Includes fifteen users, a personal IBAN, and all features from the Corporate Plan.
Reviews
User feedback often discusses the platform's interface, invoicing system, and customer support, though some customers report issues with account management, unexpected fees, and transaction processing. Check out more Finom reviews here.
7. Wise
Wise, formerly TransferWise, is a UK-based financial technology company established in 2011. It focuses on international money transfers by using the mid-market exchange rate.
The platform provides a multi-currency account for holding and managing funds in over 40 currencies, along with a debit card for global spending. Its services extend to both individual and business clients through offerings like Wise Business and Wise Platform.
Pricing
Here's their pricing at a glance:
- Pay-as-you-go Model: The service operates without subscriptions or monthly fees.
- From 0.57% Transfer Fee: The cost for sending money varies depending on the currency.
- $9 Card Fee: A one-time charge is applied for the multi-currency card.
- $31 Business Setup Fee: A one-time fee for businesses to get account details in 23 currencies.
- Variable ATM Fees: Withdrawals over $100 per month are subject to additional charges.
Reviews
User feedback often centers on the platform's international transfer capabilities, but some customers report significant issues, including account freezes and unresponsive customer support. Check out more Wise reviews here.
8. Moss
Moss is a technology-enabled expense and financial management solution designed to organize company spending. The platform provides tools for handling various financial operations within a business.
It offers corporate credit cards with customizable limits, digital invoice management for multiple currencies, and purchase controls. The system also includes functions for employee reimbursements and connects with accounting and ERP systems for data processing.
Pricing
Moss utilizes a modular pricing structure with a base package and optional add-ons for advanced features. Specific pricing details are not publicly available and require direct contact with the company for a personalized quote.
Reviews
User feedback on the platform is varied, with some customers noting limitations in feature customization and occasional delays in support responses. Check out more Moss reviews here.
9. Propulse by CA
Propulse by CA is an online banking and management platform developed for entrepreneurs, freelancers, and small businesses. The service provides a business account with a French IBAN and an accompanying Visa Business card.
Its features include tools for creating and tracking invoices, managing expenses, and filing URSSAF declarations directly within the application. The platform also integrates insurance and guarantees with its payment cards to support business operations.
Pricing
Here's their pricing at a glance:
- €8 per month Starter Plan: The monthly fee for the starter package.
- €17 per month Start+ Plan: The monthly fee for the Start+ package.
Reviews
User feedback points to challenges with customer service responsiveness, which can lead to delays in account creation and resolving problems. Check out more Propulse by CA reviews here.
10. Countingup
Countingup is a UK-based company founded in 2017 that provides a business current account with integrated accounting software. The service is designed for small businesses to manage their finances within a single application.
The platform includes tools for instant invoicing, expense categorization, receipt capture, and real-time tax estimates. However, some users report issues with account suspensions, fund transfer delays, and limited customer support options.
Pricing
Here's their pricing at a glance:
- £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.
- Additional Fees: Transaction fees apply, including 30p for transfers, £1 for ATM withdrawals, and 3% for foreign transactions.
- Three-Month Free Trial: A trial period is available to test the service before committing to a subscription.
Reviews
User feedback often discusses the platform's invoicing and bookkeeping tools, while some customers report challenges with account suspensions, fund transfers, and limited customer support. Check out more Countingup reviews here.
Which One Should You Go With?
Choosing the right financial partner depends on your unique business needs, and any of the platforms listed can be a solid choice. If you're looking for a modern banking solution that truly understands the digital asset space, we recommend considering OneSafe as your go-to alternative. Ready to simplify your business finances? Sign up for OneSafe today.
