The Veem Insider’s Guide
Everything we know about Veem in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Veem
The Insider’s Guide
Cross-border and domestic business payments with a wallet
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Veem’s own pages.
Made by Veem · checked Nov 13, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Veem’s own pages, its app-store listings and our grades. Every fact in it is on Veem’s page too, where it is kept up to date. Checked Nov 13, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 46 of the 76 other spend and bill pay tools we grade
Veem is a business payments service for sending and receiving money domestically and across borders by bank transfer, international wire, check or card. It also offers a multi-currency wallet, a virtual bank account and a virtual card. A free Basic plan and a paid Premium plan set the platform fee, and each payment carries its own fee.
To get you started, here are 9 things to know about Veem, taken from its own pages and our grades.
You set up a business account and add payees.
- 1
Best for sending business payments across borders
Veem sends and receives business payments by bank transfer, wire, check or card, with a wallet, a virtual account and a virtual card.
- 2
Paid plans start at $24.99 a month
As its pricing page puts it: $24.99 per month.
- 3
There is a free plan
Basic plan: free platform fee, but domestic bank transfers cost $1 each and some features are Premium only.
- 4
It runs on Web
Web.
- 5
International payments
Send by international wire in local currency, by bank transfer, by check in the US, or by card, in 1 to 6 business days depending on the country.
- 6
Virtual bank account and wallet
A local bank account in your name and a wallet that holds funds in up to 15 currencies, with FDIC insurance as described in the help center.
- 7
Virtual card
A virtual card for spending funds, which the help center says is accepted by over 150 million merchants.
- 8
A 2.2 GPA, above 46 of 76
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
To replace Veem you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one.
Veem at a glance
- Pricing
- Free plan, from $24.99 per month
- Free plan
- Yes
- Free trial
- New users get Premium free for 30 days (users who joined on or after Jan 1, 2025).
- Runs on
- Web
- Made by
- Veem
- Category
- Spend & Bill Pay
- Our grade
- 2.2 GPA, fair
The report card
Best for sending business payments across borders
Veem sends and receives business payments by bank transfer, wire, check or card, with a wallet, a virtual account and a virtual card. The Basic plan is free but each domestic bank transfer costs $1, and Premium at $24.99 a month unlocks free transfers, mass pay and accounting links.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | Premium is $24.99 a month ($34.99 CAD). That's between the expense category's middle at $12 and its dearer quarter at $29.90, and each payment carries its own fee on top. |
| Free plan and trial | C | Basic is free, but US and Canada bank transfers cost $1 each and card payments cost 3.5%. New users get Premium free for 30 days. |
| Features | C | International payments, a virtual bank account and wallet, a virtual card, invoicing and recurring payments. Mass pay, user roles and accounting integrations need Premium. |
| Ease of use | C | No store rating on record. You set up a business account and add payees. |
| Platforms and integrations | B | Web, with QuickBooks, NetSuite, Xero and Zapier. No phone or desktop app listed. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Veem is for
- Fits if you pay overseas suppliers or contractors by wire, check or card
- Works for businesses that want a virtual card and a multi-currency wallet
Who it is not for
- Tight if you stay on Basic: US and Canada bank transfers cost $1 each
- Pricey if you pay by card, at 3.5% with a $3.50 minimum on business US credit cards
- Watch out: mass pay, user roles, reminders and accounting integrations need Premium
- Watch out: Veem's main site showed a bot check, so these prices come from its help center pages dated 2025
Good to know
Good for
- Small businesses paying overseas suppliers and contractors
- Teams that want payments reconciled into QuickBooks, Xero or NetSuite
- Businesses that need to receive international payments into a local bank account
Worth knowing
- Veem's main site returned a bot check when read, so prices and fees come from its help center pages, which date from 2025 updates.
- Per-payment fees apply: business US credit card payments cost 3.5% (minimum $3.50), and same-day bank transfers cost 0.5%.
- Basic-plan bank transfers cost $1 each, and Basic users paying by card pay 3.5%.
- Several features, including mass pay, user roles and accounting integrations, need Premium.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$24.99
A month to start. There is a free plan too
Veem has a free plan. Paid plans start at $24.99 per month.
Basic
$0
Pay and get paid by international wire, check, card and wallet, with recurring payments and invoices. No free bank transfers in the US and Canada.
Premium
$24.99
per month
Adds free ACH/EFT bank transfers in the US and Canada, mass pay, user roles, payment reminders and accounting integrations. $34.99 CAD for Canadian clients.
The free plan
Basic plan: free platform fee, but domestic bank transfers cost $1 each and some features are Premium only.
Trying it first
New users get Premium free for 30 days (users who joined on or after Jan 1, 2025).
Read from help.veem.com on Nov 13, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
Cross-border and domestic business payments with a wallet. Here is what it does, as its own site describes it, and what it covers: workflow automation, invoicing, bill pay, company cards.
International payments, a virtual bank account and wallet, a virtual card, invoicing and recurring payments.
- International payments
- Send by international wire in local currency, by bank transfer, by check in the US, or by card, in 1 to 6 business days depending on the country.
- Virtual bank account and wallet
- A local bank account in your name and a wallet that holds funds in up to 15 currencies, with FDIC insurance as described in the help center.
- Virtual card
- A virtual card for spending funds, which the help center says is accepted by over 150 million merchants.
- Invoicing and recurring payments
- Request payments, create invoices and schedule recurring payments and invoices, with payment tracking and reports.
- Accounting integrations
- Premium syncs and reconciles payments with bookkeeping partners and supports Zapier, QuickBooks, NetSuite and Xero.
Where it runs
- Web
What it works with
- QuickBooks
- NetSuite
- Xero
- Zapier
Veem is made by Veem.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
46/76
Other spend and bill pay tools it is graded above
Veem's GPA of 2.2 is higher than 46 of the 76 other spend and bill pay tools we grade, and level with 8.
It stands best on platforms and integrations (B, above 18 of 76) and worst on ease of use (C, above 0).
Its paid plans start at $24.99 a month, against a middle price of $12 for the category: 26 of the 36 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 14 tools score higher and cost less.
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Veem’s own letter is outlined.
- CValue for moneyAbove 5 of 76
- CFree plan and trialAbove 45 of 76
- CFeaturesAbove 4 of 76
- CEase of useAbove 0 of 76
- BPlatforms and integrationsAbove 18 of 76
Price against what you get
Each dot is one of 39 spend and bill pay tools. Further left costs less; higher up scores better on features, ease of use and platforms. Veem is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Veem you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one.
It costs $299.88 a year.
What you could make
- Invoicing: an app builder makes this well.
What you could not
- Money moved between bank accounts, which takes a licensed payments partner.
- Connections to other products, each kept working as those products change.
- Cards issued through a bank.
What this rests on. Veem’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Wise Business, Airwallex, Routable, BILL and Tipalti
The 5 tools Veem is most often weighed against, with where each one differs from it.
- 2.2GPA
Wise Business
From $31 one-time
Multi-currency business account for international payments.
- Veem has a free plan. Wise Business does not.
- Only Wise Business lists iOS and Android apps.
- Veem also covers workflow automation, invoicing and bill pay.
- 3.2GPA
Airwallex
Free plan · from $12/mo
Multi-currency business accounts, cards, bill pay and expenses.
- Only Airwallex lists iOS and Android apps.
- Veem also covers workflow automation.
- Airwallex also covers expense tracking.
- 1.6GPA
Routable
From $1,250/mo
Mass payouts, vendor onboarding and AP automation.
- Veem has a free plan. Routable does not.
- Veem also covers invoicing and company cards.
- Routable also covers partner payouts.
- 2.6GPA
BILL
Free plan · from $49/mo
Bill pay, invoicing and free company cards for small businesses.
- Only BILL lists iOS and Android apps.
- Veem also covers workflow automation.
- BILL also covers expense tracking.
- 1.8GPA
Tipalti
From $99/mo
Accounts payable automation and global payouts.
- Veem has a free plan. Tipalti does not.
- Veem also covers invoicing and company cards.
- Tipalti also covers expense tracking and partner payouts.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Veem free?
Veem has a free plan. Basic plan: free platform fee, but domestic bank transfers cost $1 each and some features are Premium only.
How much does Veem cost?
Veem lists 2 plans. Basic: $0.
What platforms does Veem work on?
Veem is available on Web.
Does Veem have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Veem is listed for Web.
Does Veem have an iPhone app?
No iPhone app was listed when its pages were read on Nov 13, 2026. Veem is listed for Web.
Is Veem open source?
Veem is not described as open source on its own site, as read on Nov 13, 2026.
What does Veem integrate with?
Veem's listing names QuickBooks, NetSuite, Xero and Zapier. A listing names up to eight integrations, so it may connect to more.
Does Veem have a free trial?
Yes. New users get Premium free for 30 days (users who joined on or after Jan 1, 2025).
Who makes Veem?
Veem is made by a company of the same name.
What are the alternatives to Veem?
The closest alternatives to Veem in our directory are Wise Business, Airwallex, Routable, BILL and Tipalti.
How does Veem compare with other spend and bill pay tools?
Veem's GPA of 2.2 is higher than 46 of the 76 other spend and bill pay tools we grade, and level with 8.
Is Veem good value for money?
ToolGPA grades Veem C for value for money. Its paid plans start at $24.99 a month, against a middle price of $12 for the category: 26 of the 36 others that charge start lower.
Could I make my own version of Veem?
To replace Veem you would be making money moved between bank accounts, which takes a licensed payments partner.
Where this guide comes from
The prices, plans, platforms and features were read from Veem’s own pages on Nov 13, 2026, and the grades were given on Nov 13, 2026. Graded from this listing, whose facts were read from Veem's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Veem. Prices change, so check veem.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
7,721
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
7,721
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Veem, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/veem
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Veem: The Insider's Guide", checked Nov 13, 2026. https://toolgpa.com/tools/veem
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/veem/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Veem, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 77 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Veem’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Veem is a trademark of its owner, and this guide is not made, paid for or approved by Veem. Prices and plans change: check veem.com before you buy.