Funded startups that want banking, corporate cards, expense management and bill pay from one vendor, and that meet Brex's eligibility rules.
Quick overview
- Pricing
- Business account free; spend platform Essentials $0/user/month, Premium $12/user/month, Enterprise custom
- Plans
- Brex business account: free to open, no monthly fees, no account minimums, $0 domestic and international ACH, $0 checks, $0 incoming and outgoing domestic and international wires (recipient or intermediary banks may charge; non-USD wires use a Brex-chosen exchange rate). Up to 3% FX markup on international card transactions. Software plans: Essentials $0 per user per month; Premium $12 per user per month; Enterprise custom pricing; Smart Card custom pricing (Brex does not state monthly vs annual billing on the pricing page). Account structure: Checking at Column N.A., Member FDIC (up to $250,000); Vault, swept by Brex Treasury LLC across 24 program banks for up to $6M FDIC coverage; Treasury, invested in the BNY Dreyfus Government Cash Management Fund (DGVXX), not FDIC-insured. Uninvested cash earns no yield. No cash deposits and no ATM withdrawals. Brex LLC is a wholly owned subsidiary of Capital One, N.A.
- G2 rating
- Not yet verified
- Comparisons
- Featured in 4 comparisons
Key features
- Checking, Treasury and Vault sub-accounts in one business account
- Up to $6M FDIC coverage for funds placed in Vault
- Treasury return shown at 3.57% to 3.92% by balance tier in October 2026 (variable)
- Corporate Mastercard with no personal guarantee; apply with an EIN
- Integrations with QuickBooks Online, Xero, NetSuite, Sage Intacct and Workday
Pros
- $0 wires (domestic and international), ACH and checks
- Treasury yield from the first dollar, no minimum
- Corporate card with no personal guarantee
- Spend management plan free on Essentials
Cons
- Eligibility targets funded startups or companies above $500,000 revenue
- No cash deposits and no ATM access
- Checking alone is covered only to $250,000; higher coverage needs Vault
Brex in our comparisons
Best Business Bank Accounts for Startups
Mercury is the best default business bank account for most US startups: no monthly fee, $0 domestic and USD international wires, and up to $5M in FDIC coverage through partner banks' sweep networks. Choose Brex if you are funded and want cards and spend management in the same product, or Chase if you handle cash.
Emily RodriguezUpdated October 2026Best Expense Management Software
Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.
Emily RodriguezUpdated October 2026Expensify alternatives
Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.
Emily RodriguezUpdated October 2026Mercury vs Brex
Choose Mercury if you want the best all-round business bank account with free wires and a simple 1.5% cashback card. Choose Brex if you need a corporate card with detailed spend controls, global coverage or treasury yield below $250,000.
Emily RodriguezUpdated October 2026