Commerce · alternatives · 2026

24 alternatives to Waiver

Block overdraft, maintenance and credit card late fees

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Waiver launched in 2021; newer entries below may have overtaken it.

1. 1
   Cushion▲137

   Your bank & credit card fees, refunded

   2018 · its alternatives →

2. 2
   Robinhood Checking & Savings▲465

   Earn 3% on your money. Pay no fees.

   2018 · its alternatives →

3. 3
   MoneyCoach▲98

   Manage money, credit cards, budget & track your spending

   2023 · its alternatives →

4. 4
   Waivr API▲191

   Smart recurring payments

   2023 · its alternatives →

5. 5
   Debitize▲160

   Credit card perks without credit card debt

   2016 · its alternatives →

6. 6
   TransferWise Borderless Account▲302

   Send, receive and organize your money without crazy fees

   2017 · its alternatives →

7. 7
   Final▲453

   Never worry about fraud, breaches, or cancelled credit cards

   2014 · its alternatives →

8. 8
   Recurring Payments▲183

   No need to create invoices. No need to remind clients to pay

   2017 · its alternatives →

9. 9
   Terms and Conditions: Podcast▲77

   A podcast where a guy reads terms and conditions from banks

   2019 · its alternatives →

10. 10
    Square Card▲215

    Access your money as soon as you make a sale

    2019 · its alternatives →

11. 11
    Underpay▲87

    You don't need a credit card to earn rewards (anymore)

    2022 · its alternatives →

12. 12
    Tandem▲267

    Limit Venmo requests & money fights with expense sharing

    2023 · its alternatives →

13. 13
    Current Student Account▲170

    Bringing allowances into the digital age

    2017 · its alternatives →

14. 14
    Stilt▲275

    Free US bank account and card for Immigrants

    2020 · its alternatives →

15. 15
    Affirm▲289

    The future of credit, now on your homescreen.

    2017 · its alternatives →

16. 16
    Perch Credit▲191

    Use recurring expenses to boost your credit score

    2021 · its alternatives →

17. 17
    Sweep Transfers for Astra▲86

    Auto transfer surplus funds without stretching your balance

    2019 · its alternatives →

18. 18
    Ramp Reimbursements▲152

    Reimbursements & corporate cards in one.

    2020 · its alternatives →

19. 19
    Debitize▲19

    Credit card perks without the debt, now on iOS

    2018 · its alternatives →

20. 20
    Lean▲60

    Cancel your subscriptions

    2020 · its alternatives →

21. 21
    RightCard▲117

    The honest credit card picker — no bank login

    Aug 2026 · apps.apple.com · its alternatives →

22. 22
    Bankoff Business▲83

    Borderless banking without banks

    2021 · its alternatives →

23. 23
    Recurring Payments by Decentro▲112

    Accept recurring bank to bank payments automatically

    2022 · its alternatives →

24. 24
    Account & Expense Manager▲91

    App lets you easily manage your day-to-day transactions

    2023 · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →