Baselane is a banking and bookkeeping platform for landlords with built-in business checking accounts, rent collection, and per-property debit cards.
| Feature | Richify | Baselane |
|---|---|---|
| Property Portfolio Tracking | ✓ | ✓ |
| Landlord Banking Account | ✗ | Free business checking |
| Automated Rent Collection | ✗ | Tenant portal + ACH |
| AI Agent for Insights | Built-in AI | ✗ |
| Multi-Country Support | 7+ countries | US only |
| Privacy-First | No bank linking | Bank account required |
| Bookkeeping Tools | Expense tracking | Full bookkeeping |
| Portfolio Analytics | AI-powered | Cash flow reports |
| Pricing | Free trial, then paid plans | Free (earns from interchange) |
| Mobile App | ✓ | ✓ |
| Property-Level Debit Cards | ✗ | Per property debit |
| Goal Tracking | Financial goals | ✗ |
The Verdict
Baselane is ideal if you want an all-in-one landlord banking solution with rent collection and bookkeeping. Richify is better if you want a built-in AI agent for portfolio insights, international property tracking, or prefer not to open a dedicated bank account. Baselane wins on banking; Richify wins on intelligence and privacy.
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Try Richify — Free TrialYes. Baselane's core offering is a free business checking account designed for landlords, with per-property debit cards and built-in bookkeeping that automatically categorizes transactions.
Baselane's banking, bookkeeping, and rent collection tools are free to use. They make money on banking interchange fees and partner referrals rather than subscription fees.
Yes. Richify is privacy-first and requires no bank account linking. You add assets and liabilities manually, which works great for investors who don't want to open a dedicated landlord bank account.
It depends on what you need. Baselane is better if you want a free banking account with rent collection and bookkeeping. Richify is better if you want a built-in AI agent for portfolio insights, multi-country support, or a complete net worth view beyond real estate.
Richify offers a free trial so you can explore the app, followed by affordable monthly and yearly plans. Baselane's banking is free but US-only; Richify's paid plans give you worldwide portfolio tracking and AI-powered insights.
No. Baselane is US-only because its core feature is a US business checking account. International landlords should use Richify, which supports 7+ countries.