u/Southern-Object-4814

There is lots of talk about Venn on this subreddit as it's quickly become a popular fintech option for small businesses here in Canada, wanted to give my honest review after ~6 ish months of daily use. I use Wealthsimple for my personal investing and trialed the business account when it came out but found it lackluster in h2h comparison with Venn.

Pros:

1. The USD/EUR/GBP accounts are genuinely really solid if you're working with international vendors. You're actually able to send/receive an ACH which alone saves me time and headaches when dealing with Americans (iykyk)
2. I don't have great personal credit and didn't want to tie a personal guarantee to my business, corporate cards were a great option to get around this. Still maintain a LOC with big 5 in case I need it, but try to only use for emergencies.
3. The functionality of the platform is genuinely really good. It's just way easier to log in and send a wire or look at finances than it was with Big 5, activity and reporting has really improved over the last 6 months as well. Great to get that view of the data.
4. Support has been solid. I had a wire delayed and they resolved it within the hour.
5. Recent app launch shows that they're actually listening to users. It's for sure not perfect, but appreciate them giving me something to use on the road and expecting this to improve in future.

Cons:

1. On the free plan you can find better rates than .45% for fx conversions honestly (Wise etc). With my volume it made sense to go to Pro for the .25% but if you're smaller this could be a deterrent.
2. No cheque deposit. Feel like they're gonna release this soon hopefully, feels easy with the app launch but who knows. Pretty annoying as I have one customer who still insists on cheque payments but not the end of the world.

Curious what other people think? I also use QBO for the accounting side so the integration is pretty sweet, been looking at Wave but I just don't wanna switch another software. So annoying.

I feel like I consistently see so many outdoor cats in Toronto, especially in more residential parts of the city. On one hand I adore cats and seeing my neighbours cat every morning is selfishly a great start to the day and then also understand that they are an apex predator for other wildlife + you're putting your cat in danger.

What are peoples thoughts on this?