Business banking & treasury
Digital business accounts, cards, and treasury tooling aimed at startups and growth companies.
Highest scores
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1
Open review
Brex
Growing and multi-entity firms seeking corporate cards, travel and expense policy together in a single system, with local-currency cards for use abroad.
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2
Open review
Mercury
Startups and small firms in the US wanting free business banking, a fee schedule that is clear, and one place for bill pay, cards and treasury.
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3=
Open review
Airwallex
Firms selling in several countries, paying suppliers or basing teams there and seeking multi-currency accounts with FX fees published.
Every review in this category
Brex
Corporate cards and a business account, with software for travel, expenses and bill pay. Capital One has owned it since April 2026. The address is in San Francisco, California.
Best for: Growing and multi-entity firms seeking corporate cards, travel and expense policy together in a single system, with local-currency cards for use abroad.
RecommendMercury
Business banking platform covering checking, savings and cards, with treasury and bill pay, provided by partner banks. Privately held. Based in San Francisco, California.
Best for: Startups and small firms in the US wanting free business banking, a fee schedule that is clear, and one place for bill pay, cards and treasury.
RecommendAirwallex
Accounts in multiple currencies, foreign exchange, cards, spend controls and payment collection for firms that work across borders. Privately held. San Francisco and Singapore are the joint headquarters.
Best for: Firms selling in several countries, paying suppliers or basing teams there and seeking multi-currency accounts with FX fees published.
Conditional recommendRamp
Corporate cards and software covering travel, expenses, bill pay and procurement, plus a checking account a partner bank maintains. Privately held, based in New York.
Best for: Finance teams hoping to automate cards and expenses, as well as bills and procurement, especially companies on NetSuite, Sage Intacct or Workday.
RecommendHow this category is scored
Four criteria track outcomes that matter to buyers in this category. Another four, the same in all categories, address the company and the commercial terms.
| Accounts and payments Buyer outcomes | International transfers, payment rails and account features. |
|---|---|
| Cards and spend controls Buyer outcomes | Expense capture, approvals, limits and corporate cards. |
| Treasury and yield Buyer outcomes | Idle cash choices, deposit protection and how clear the disclosure of both is. |
| Accounting integrations Buyer outcomes | Sync to accounting systems and ERP. |
| Product depth and roadmap Company and commercial | Coverage of the job by the product, and how active development is. |
| Onboarding and support Company and commercial | Implementation aid, documentation and support channels offered by the company. |
| Pricing transparency Company and commercial | How much pricing a buyer can view before any sales conversation. |
| Contract terms Company and commercial | Exit terms, minimums and commitments, to the extent the company publishes them. |