Business banking & treasury
Digital business accounts, cards, and treasury tooling aimed at startups and growth companies.
Top three
-
1
Open profile
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.
-
2
Open profile
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.
-
3=
Open profile
Airwallex
Firms selling in several countries, paying suppliers or basing teams there and seeking multi-currency accounts with FX fees published.
All rated companies in this sector
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.
Built 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.
ShortlistMercury
Business banking platform covering checking, savings and cards, with treasury and bill pay, provided by partner banks. Privately held. Based in San Francisco, California.
Built 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.
ShortlistAirwallex
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.
Built for: Firms selling in several countries, paying suppliers or basing teams there and seeking multi-currency accounts with FX fees published.
Shortlist with caveatsRamp
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.
Built for: Finance teams hoping to automate cards and expenses, as well as bills and procurement, especially companies on NetSuite, Sage Intacct or Workday.
ShortlistCriteria for this sector
Four criteria measure buyer needs in this sector. The other four remain identical from sector to sector and cover the vendor and its commercial terms.
| Accounts and payments Sector criteria | International transfers, payment rails and account features. |
|---|---|
| Cards and spend controls Sector criteria | Expense capture, approvals, limits and corporate cards. |
| Treasury and yield Sector criteria | Idle cash choices, deposit protection and how clear the disclosure of both is. |
| Accounting integrations Sector criteria | Sync to accounting systems and ERP. |
| Product depth and roadmap Vendor criteria | Coverage of the job by the product, and how active development is. |
| Onboarding and support Vendor criteria | Implementation aid, documentation and support channels offered by the company. |
| Pricing transparency Vendor criteria | How much pricing a buyer can view before any sales conversation. |
| Contract terms Vendor criteria | Exit terms, minimums and commitments, to the extent the company publishes them. |