Verdict
Brex is at its best on the spending side. Acceptance for its Mastercard corporate card covers 210+ countries and territories, cards in local currency are offered in 50+ countries, and bill pay, travel and expense software is layered over the card. Its list of integrations is among the longest here, including QuickBooks, Workday and Oracle Fusion.
The business account is sound and does little to stand apart. Checking is held at Column N.A., treasury is quoted from 3.48% to 3.83%, and it sets no minimum deposit, though no date is given for those rates, and a Vault sweep lifts FDIC coverage to $6M. Capital One finished the Brex purchase on April 7, 2026, while some pages on the Brex site still call the company venture-backed, so buyers should check current terms with the company.
Score breakdown
How Brex is scored on criteria buyers in this category care about.
Buyer outcomes
One account holds checking at Column N.A. and a government money market for treasury and a Vault sweep with FDIC coverage of up to $6M, and it has no account minimums and no monthly fees.
A Mastercard corporate card accepted across 210+ countries and territories, together with local-currency cards across 50+ countries, spend controls built in, points rewards, and bill pay, travel and expenses in one product.
Treasury shows 3.48% to 3.83% by balance and requires no minimum deposit, with same-hour liquidity, though the quoted rates have no date attached.
Includes QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics 365, Workday Financials and Oracle Fusion Cloud ERP among many others. Customizable ERP integrations require the Premium plan.
Company and commercial
A wide spend platform that covers banking, travel, bill pay, expenses and cards, with a payment institution licence in the EU since August 2025 and ownership by Capital One from April 2026.
Training sessions that are live, a help center, phone and live chat support at all hours, with a named account manager under the Enterprise plan.
Essentials costs nothing and Premium is $12 a month per user. The Smart Card program and Enterprise are priced on custom terms, and the markup on card currency conversion runs up to 3%.
Brex states that there are no account minimums and no monthly account fees, while enterprise terms are negotiated in private.
The field at a glance
Placement of Brex by Overall Score among Business banking & treasury companies reviewed by us.
Use-case fit
| Use case | Fit | Notes |
|---|---|---|
| Corporate cards for a spread-out team | Strong | Acceptance globally and local-currency cards across 50+ countries. |
| Expense policy, with travel, in one tool | Strong | Receipts, approvals, booking and reports are in the same product. |
| Finance operations, multi-entity | Strong | Customizable ERP integrations and multi-entity support sit on Premium and Enterprise. |
| Free checking suited to very small firms | Mixed | The account is free, though most value sits in spend management. |
Who it's for
Good fit
- Scaling firms whose employees spend in several countries
- Finance teams using NetSuite, Oracle Fusion or Workday
- Firms seeking cards, travel and expenses together in one system
Poor fit
- Sole traders needing only a checking account
- Buyers who need enterprise features to carry published prices
- Companies that choose mostly by treasury yield
Key facts
| Ownership | A wholly owned Capital One subsidiary since April 7, 2026 Source |
|---|---|
| Corporate card | Mastercard covers 210+ countries and territories and offers local-currency cards for 50+ countries Source |
| Business account | A Vault sweep with FDIC coverage of up to $6M, checking at Column N.A., and treasury in one government money market fund Source |
| Plans | Essentials $0, Premium $12 each month per user, and Enterprise custom Source |
| EU licence | Licence as an EU payment institution via the Netherlands, announced on August 7, 2025 Source |
Sources
- Brex homepage and disclosures: https://www.brex.com/ (As of September 23, 2026)
- Brex pricing: https://www.brex.com/pricing (As of September 23, 2026)
- Brex corporate card: https://www.brex.com/product/credit-card (As of September 23, 2026)
- Brex business account: https://www.brex.com/product/business-account (As of September 23, 2026)
- Brex rewards: https://www.brex.com/product/rewards (As of September 23, 2026)
- Brex integrations: https://www.brex.com/product/integrations (As of September 23, 2026)
- Brex contact and support: https://www.brex.com/contact-us (As of September 23, 2026)
- Capital One completes acquisition of Brex: https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/ (As of September 23, 2026)
- Brex EU payment institution licence: https://www.brex.com/journal/press/brex-secures-eu-payment-institution-license (As of September 23, 2026)
Methodology
This page sets out an independent evaluation of Brex for companies choosing a provider in Business banking & treasury. The Fintech Index accepts no payment for placement, sponsorship or advertising, and Brex paid nothing for this review.
The Overall Score averages eight criteria, each given a score from 0 to 10. Four measure outcomes that matter to buyers in this category, and four address the company, including its commercial terms.
Scores are our editorial reading of public information: filings, compliance disclosures, product documentation, and pricing and legal pages. Lab tests were not run and accounts were not opened for this review. We checked the facts on September 23, 2026.