While WithTap provides a platform for managing both fiat and crypto assets, some users have encountered challenges with account access and customer service. This guide will explore what WithTap is, common reasons for seeking an alternative, and other global payment solutions that might better suit your financial requirements.
What is WithTap?
WithTap is a financial institution that offers a comprehensive platform for managing both traditional and digital currencies. The service features real-time trading of over 50 assets, dedicated accounts, and a card that allows for global spending with up to 8% cashback.
The platform has a Trustpilot rating of 3.4 out of 5; users often praise its user-friendly design, while some have reported issues with fund accessibility. WithTap also offers several premium plans that provide members with exclusive benefits and features.
What to Consider When Selecting a WithTap Alternative?
When searching for a platform to replace WithTap, it's important to evaluate several key aspects to ensure the new service aligns with your financial needs. Here are five factors to consider:
- Fiat and Crypto Capabilities: Assess how well the platform integrates traditional money and digital assets for deposits, withdrawals, and spending.
- Fee Structure: Examine the platform’s pricing for transactions, currency conversions, and account maintenance to avoid unexpected costs.
- Customer Support: Investigate the quality and responsiveness of the customer service team, as this can be vital when you need assistance.
- Business-Specific Tools: Determine if the service offers features tailored for business operations, such as payroll processing or expense management.
- Security and Fund Accessibility: Verify the platform's security measures and track record for allowing consistent and reliable access to your funds.
If these considerations resonate with your priorities, explore the alternatives we've detailed in the next section.
10 Best Alternatives to WithTap
1. OneSafe
OneSafe is a finance platform designed to modernize banking for businesses, particularly those operating in the Web3 and crypto sectors. We provide essential tools for effortless 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, simplifying payroll and expense management for global teams. Businesses also benefit from our responsive customer support, streamlined onboarding, and reliable infrastructure for handling crypto-based payments.
Pricing
Here's a look at our straightforward pricing structure, designed to be transparent and affordable for your business.
- Free Account Basics: We charge nothing for account opening, monthly maintenance, or issuing virtual and physical cards.
- 0.1% US Domestic & USDT Transactions: Enjoy low fees on all domestic ACH/wire transfers and USDT transactions.
- 0.2% European & International Payments: A small fee applies to SEPA payments, with international wires at 0.2% plus a standard $50 SWIFT fee.
- $25 Flat Fee Fedwire: Send US domestic wires via Fedwire for a simple, flat rate.
- Included Fiat ↔ Crypto Conversion: Convert between fiat and crypto at market rates with no hidden fees.
Reviews
Clients consistently praise our platform for its exceptional customer support and ability to solve complex banking challenges for Web3 companies. Users find our tools transform their financial operations, making payroll and expense management straightforward.
- 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 learn more? Check us out here.
2. Axos Bank
Axos Bank, originally founded as Bank of Internet USA in 2000, is a digital financial institution based in San Diego, California. The bank provides a range of financial services, including personal and business banking, loans, and investment solutions.
The platform offers competitive interest rates on certain accounts and maintains a low-to-no-fee structure for many of its services. Customers can access their funds through an extensive network of ATMs.
Pricing
Here is a glance at their pricing:
- No Monthly Fee for Basic Business Checking: This account includes unlimited fee-free transactions and free incoming wires.
- $10 Monthly Fee for Business Interest Checking: This fee is waived with an average daily balance of at least $5,000 and offers 1.01% APY on balances up to $49,999.99.
- No Monthly Fee for Business Premium Savings: This account has no monthly maintenance fees and offers a 3.80% APY.
Reviews
Customer feedback on Axos Bank is mixed, with some users reporting issues with the app's functionality, such as glitches and slow performance, and challenges with the payment system. Check out more Axos Bank reviews here.
3. Credem
Credem, also known as Credito Emiliano S.p.A., is an Italian banking institution founded in 1910. The bank offers services in retail and corporate banking, insurance, and investment solutions.
It operates through several divisions, including Credem Banca for retail and Credem Private Banking. The institution is also known for accepting Parmigiano Reggiano cheese wheels as collateral for loans.
Pricing
Here is a glance at their pricing:
- From €4 Monthly Account Maintenance: Fees for maintaining an account start at this rate.
- Free Card Issuance: There is no charge for issuing a card.
- Free ATM Withdrawals: Withdrawals are free at Credem ATMs.
- Custom Investment Services Pricing: Fees for investment services are tailored to the specific product.
Reviews
Customer feedback indicates some users experience issues such as delays in receiving debit and credit cards and a lack of digital card options. There are also concerns regarding the responsiveness of customer service. Check out more Credem reviews here.
4. Everestcard
Everestcard is a neobank that provides financial management services for businesses. The platform offers instant issuance of both virtual and physical Mastercard credit cards for team use.
Account holders can manage cards and track spending in real-time through an online dashboard. The service also includes tools for expense management, such as automated reports and digital receipt scanning.
Pricing
Here is a glance at their pricing:
- €20 Monthly Fee: This plan includes up to three Mastercard credit cards, both virtual and physical, and access to expense management tools.
- €5 Additional Card Fee: Each card beyond the initial three costs an additional €5 per month.
- 90-Day Free Trial: The platform provides a 90-day free trial for businesses to use its features before committing to a subscription.
Reviews
Available customer feedback is limited, with reviewers raising concerns about the company's reliability and responsiveness. Users have reported issues including slow customer support and problems with account access. Check out more Everestcard reviews here.
5. 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 greater visibility and control over company expenditures through real-time tracking and reporting.
The service offers Visa credit and debit cards in multiple currencies, automated receipt collection, and AI-powered data extraction. The platform also supports multi-entity management and connects with accounting software such as Xero, QuickBooks, and NetSuite.
Pricing
Payhawk does not make its pricing structure public. Instead, the company offers a personalized demo to prospective customers to discuss pricing based on their specific needs.
Reviews
User feedback notes occasional issues with mobile app synchronization, delays in transaction updates, and challenges during the initial setup. Check out more Payhawk reviews here.
6. Vivid Business
Vivid Business is a financial platform that provides services for personal, business, and freelance accounts. It offers various account types with different features and pricing structures.
The platform provides users with up to 30 German IBANs, virtual and physical cards, and investment opportunities. Some customers have reported issues with account freezes and funds being held without clear reasons.
Pricing
Here is a glance at their pricing:
- €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, which then becomes 0.1% p.a.
- €7/month Basic: This plan includes 15 accounts, 15 team members, and an interest rate of 4% p.a. for the first four months, which then becomes 0.5% p.a.
- €19/month Pro: This plan includes 20 accounts, 30 team members, and an interest rate of 4% p.a. for the first four months, which then becomes 1.3% p.a.
Reviews
User reviews indicate a range of experiences, with some customers reporting issues such as accounts being frozen or funds being held without clear explanation. Check out more Vivid Business reviews here.
7. 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, and integrated invoicing, which connect with various accounting software.
Businesses can open an account through the app, which includes built-in accounting and tax tools. The service also offers cash deposit options at UK Post Office and PayPoint locations, along with expense cards for team spending.
Pricing
Here is a glance at their pricing:
- Free Plan: No monthly fee. Charges include 20p per UK transfer and £1 per ATM withdrawal.
- £12.49 + VAT per month Smart Plan: Includes 25 free UK transfers, one free expense card, and priority in-app support.
- £24.99 + VAT per month Pro Plan: Offers unlimited free UK transfers, two free expense cards, and 24/7 phone and legal support.
- £69.99 + VAT per month Max Plan: Provides unlimited free UK transfers, three free expense cards, and a dedicated account manager.
Reviews
User feedback indicates some customers have experienced issues with customer support responsiveness, account access, and payment processing delays. Check out more Tide Bank reviews here.
8. Revolut
Revolut is a British financial technology company founded in 2015 that offers a range of banking services. These include current accounts, debit and credit cards, stock and cryptocurrency trading, and peer-to-peer payments.
The platform facilitates the management and exchange of over 25 currencies and supports global payments. It also provides team management tools, such as issuing cards with spending controls, and integrates with various accounting and business software.
Pricing
Here is a glance at their pricing:
- From £10 per month Basic Plan: Provides essential features for running a business.
- From £30 per month Grow Plan: Offers additional tools to manage spending and operations.
- From £90 per month Scale Plan: Designed for businesses with higher transaction volumes and advanced needs.
- Custom pricing Enterprise Plan: Tailored to specific business requirements.
Reviews
User feedback often points to the app's interface, payment speed, card management options, and currency exchange features. Some users have reported difficulties with customer support, limitations in certain banking functions, and issues during account verification. Check out more Revolut reviews here.
9. Novo
Novo is a financial technology company that provides business deposit accounts through a partnership with Middlesex Federal Savings. The platform offers a mobile-first banking experience tailored for small business owners, freelancers, and entrepreneurs.
The service includes a business checking account with no monthly fees or minimum balance requirements, plus refunds on ATM fees. It also features a built-in invoicing tool, integrations with various business applications, and access to partner perks.
Pricing
Novo provides a business checking account with no monthly fees, minimum balance requirements, or transaction fees. The account includes refunds on ATM fees up to a specified monthly limit and access to invoicing tools and various business application integrations.
Reviews
User feedback indicates some customers experience issues with customer support, including slow response times and difficulties with dispute resolution. Other reported drawbacks include account closures without clear explanation and limited options for depositing cash. Check out more Novo reviews here.
10. N26
N26 is a German financial technology company established in 2013 that delivers a fully mobile banking experience. The platform provides services including transaction accounts, debit cards, overdrafts, and various investment products.
The service operates with real-time banking and a user-focused app interface for financial management. It also incorporates tools for organizing spending and savings, such as the ability to create sub-accounts.
Pricing
Here is a glance at their pricing:
- Free N26 Standard: This account has no maintenance fees and includes a virtual Mastercard.
- €4.90/month N26 Smart: This plan provides tools for spending and saving, including up to 10 sub-accounts.
- €9.90/month N26 Go: This account is designed for travel, offering 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
Some users have reported issues with customer support, citing slow response times and unhelpful replies. Other reported problems include account closures without clear explanation and difficulties with frozen funds. Check out more N26 reviews here.
Which One Should You Go With?
Choosing the right financial partner is a big decision, and any of the platforms listed can serve you well depending on your specific needs. However, if you're a business operating in the Web3 space looking for a modern banking solution, we believe OneSafe is the ideal choice for managing your global payments and digital assets. Sign up for OneSafe today to see how we can transform your financial operations.
