List of Alternatives to Brex
Here are some of Brex's top competitors in the Online Banking category: Mercury, Expensify, Spendesk or Ramp.
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Get deal for freeMercury provides an online banking experience built with startups and small businesses in mind. Instead of dealing with outdated banking systems, founders get an intuitive platform that makes managing company finances easier. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
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Dedicated relationship management
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Cashback rewards
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Enhanced FDIC insurance coverage
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Powerful online business banking
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Reimbursement management
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Unlimited invoice generation
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Seamless accounting integrations
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Unlimited bill pay
Mercury
$0 (Freemium)Mercury Plus
$35 / monthMercury Pro
$350 / monthSacha Trantow
Built for Operators
I like that Mercury feels built for operators, not just accountants. Recurring payments are easy to monitor, approvals are straightforward, and the transaction search actually helps when I need to find something fast
June 2, 2026
Why is Mercury a good alternative to Brex?
As a business owner, I find Brex to be a great alternative to Mercury. Brex provides a comprehensive solution for businesses by offering a range of financial products such as corporate cards, cash management accounts, and spend management software. Unlike Mercury, which is more focused on banking services, Brex provides a broader range of services designed to help businesses manage their finances more effectively.
Furthermore, Brex offers rewards and points on every dollar spent, which can be redeemed for travel, gift cards, or even cash. This is something that Mercury doesn't offer. Also, the application process of Brex is entirely online and they don't require a personal guarantee, making it more accessible for startups and small businesses. So, for these reasons, I believe Brex is a good alternative to Mercury.
What's the difference between Mercury and Brex?
See the full comparison between Brex & Mercury
Expensify is an expense management solution that helps streamline the way you handle your financial transactions. With Expensify, you can easily track expenses, capture receipts, and manage reports, all in one user-friendly platform.
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Corporate card reconciliation
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Multi-currency support
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Mileage tracking
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Integration with accounting software
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Policy compliance checks
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Receipt scanning
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Credit card integration
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Automated expense reports
Collect
$5 / user / monthControl
$9 / user / monthCynthia Rodriguez
Utilized Expensify for my NY Trip
I used Expensify for my job interview trip to NY. All my expenses including airfare, meals, hotel, Airbnb, and car transportation were managed through my Expensify account. I was reimbursed the next day after my trip as all my expenditures were transparent to my prospective employer.
August 18, 2024
Why is Expensify a good alternative to Brex?
I find Brex to be a compelling alternative to Expensify due to its unique benefits. Firstly, Brex offers a comprehensive expense management system with seamless integrations, making it easier to track and manage expenses. It also provides corporate cards with no personal guarantee required, which is significantly beneficial for businesses.
Moreover, Brex's rewards program is quite impressive. It offers points on every purchase and these points can be redeemed for travel, gift cards, or even cash. This makes it a cost-effective solution for companies. In addition, their customer service is excellent and they offer real-time reporting tools that provide valuable insights into spending patterns.
In comparison to Expensify, Brex seems to provide more features and flexibility in terms of expense management, making it a great alternative.
What's the difference between Expensify and Brex?
See the full comparison between Brex & Expensify
Control your company's expenses by centralizing payment cards, expense reports, supplier invoices and pre-accounting tasks in one place.
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Easy expenses
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Company cards
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Spend control
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Approval workflow
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Multi-currency support
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Integrations
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Receipt management
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Real-time insights
Scale
Contact salesEssentials
Book a demoStarter
Book a demoDouglas D
Flexible Spending Limits: Empowering Organizational Control with Spendesk
I appreciate the flexibility that Spendesk offers, allowing us to set specific spending limits for different departments in our organization
October 22, 2024
Why is Spendesk a good alternative to Brex?
As a business owner, I find Brex to be a great alternative to Spendesk. Firstly, Brex offers a range of credit cards tailored specifically for startups, ecommerce, and life sciences businesses. This customization allows for more suitable and efficient financial management. Secondly, unlike Spendesk which requires a monthly subscription, Brex operates on a transactional basis, which can be more cost-effective for businesses with fluctuating expenses.
Additionally, Brex provides higher credit limits and longer billing cycles, helping businesses with cash flow management. Moreover, their rewards program is quite competitive with points redeemable for travel, gift cards or even cash back. Lastly, their integration with accounting software like QuickBooks and Xero simplifies expense tracking and reporting. For these reasons, I consider Brex a strong alternative to Spendesk.
What are the differences between Spendesk and Brex?
As a user of both Brex and Spendesk, I can identify several key differences. Brex, a San Francisco-based fintech company, offers a corporate card for startups with no personal guarantee or security deposit required. It also provides expense management tools, rewards programs, and EMI options. Brex caters primarily to tech startups, e-commerce, and life sciences companies.
On the other hand, Spendesk, based in Paris, offers a comprehensive spend management platform that includes prepaid corporate cards, invoice management, expense reimbursements, and budgeting tools. It serves a broader range of businesses across different industries. While both offer robust solutions for managing business expenses, the primary difference lies in their target customers and the specific financial products they offer.
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Get deal for freeRamp is a corporate spend management platform that combines cards, expense tracking, accounts payable, and accounting automation into one system, helping you control spending and close books faster with less manual work.
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Accounts payable automation
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Procurement and intake management
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Corporate cards with built-in controls
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AI-powered expense management
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Accounting automation and ERP sync
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Ramp intelligence insights
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Treasury and cash management
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Travel booking with policy enforcement
Free
$0 (Freemium)Enterprise
Custom pricingPlus
$15 / user / monthJeffrey G
Quick and Easy to Use
I find Ramp to be fast and it allows direct transfers with the bank without the intervention of third parties. It's also easy for beginners starting in cryptocurrency transactions.
October 21, 2024
What's the difference between Ramp and Brex?
See the full comparison between Brex & Ramp
Airbase is a comprehensive spend management platform designed to optimize and automate the procure-to-pay process for businesses. It consolidates tasks such as accounts payable automation, corporate card management, and global expense reporting into one unified system.
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Automated accounts payable
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Global payments integration
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Corporate card management
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Real-time expense reporting
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Customizable approval workflows
Robert Garcia
Effortless Operation with Airbase
My overall experience with Airbase has been fantastic. It has allowed us to close more accurately and promptly. We no longer have difficulties determining the expenditure on various cards as they have all been pre-categorized. Despite the initial setup taking a bit longer, it's worth it for the precision. The best feature of Airbase is its seamless integration with QBO. This enables me to establish prepaids on Airbase that automatically sync to QBO for a monthly close. Cards are automatically programmed to charge a specific GL code, removing the need to revisit monthly to determine the expenditure and where to charge it. However, when making some entries, it doesn't adopt a new naming convention but uses the most recent journal entry naming convention for the journal entry title, which can be confusing. We switched to Airbase because we desired more accuracy, promptness, and a comprehensive product.
July 21, 2024
SAP Concur provides a comprehensive set of travel, expense, and invoice management solutions to help businesses streamline their financial processes, increase compliance and control, and gain visibility and insights into their spending.
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Multi-language
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Categorization/Grouping
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Single sign on
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Stay compliant
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Expense claims
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Go mobile
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Streamline travel
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Gain insights
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Automate your expense management
Joseph Davis
Exploring the Strengths and Weaknesses of SAP Concur
Overall, I'm fairly satisfied with SAP Concur. I don't travel often, so the time it takes to book and report expenses is bearable. As an admin, setting up new users can be complicated and I can't do it without notes, but this could be more related to my company's policies than the software itself. Reimbursing expenses is simple and practical. However, the online booking feature can be time-consuming. When I select flights and try to book, another screen appears with alternative flights, which extends the process.
October 13, 2024
Optimize your accounting and invoicing management with ease.
4.4/5
(51)
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Get deal for freeQuickbooks is a software that will allow you to manage your accounting quickly and easily. Record your expenses with simple photos, analyze your cash flow, manage your unpaid bills, and many other tasks that will simplify your accounting life.
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Access all your data on a single platform
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Keep your accounts up to date efficiently
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Monitor your performance
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Automate your tax calculations
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Adapt your billing to your needs
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Monitor your cash flow and forecasts
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Digitize all your expenses
Simple Start
$35 / monthEssentials
$65 / monthPlus
$99 / monthAdvanced
$235 / monthArlette Stiedemann
Quick Bank Matching and Faster Reconciliations
For day-to-day bookkeeping, QuickBooks is solid. Matching bank transactions is fast, attaching receipts to expenses keeps everything tidy, and reconciling accounts at the end of the month takes less time now. I also got one of those Joinsecret offers that lowered the cost for the first half year, which helped while we were still setting things up
June 1, 2026
Stripe is a payment solution for ecommerce websites. It can be easily integrated to your website or app, and allows you to accept your customers' payments.
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Payment analytics and reporting
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Payment processing
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Fraud prevention
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International expansion
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Customizable checkout
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Subscription billing
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Developer-friendly APIs
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Subsidiary services
Standard (Pay-As-You-Go)
2.9% + $0.30 per successful card chargeEnterprise
Custom pricingJoye Bayer
Self-Serve Customer Portal + Extra Fee Waiver
The customer portal is one of those features that quietly reduces workload because users can update cards, grab invoices, and change plans on their own, and the Joinsecret benefit on the first $20k processed was a practical extra rather than the reason we chose it
June 1, 2026
Why is Stripe a good alternative to Brex?
Stripe is a compelling alternative to Brex for several reasons. Firstly, Stripe offers a broader range of services beyond just business credit cards. It specializes in online payment processing, enabling businesses to accept payments globally with ease. This versatility is essential for companies of all sizes, from startups to established enterprises. Secondly, Stripe's reputation for reliability and security is stellar. Its robust infrastructure ensures transactions are processed securely and efficiently, instilling trust among customers and businesses alike. Moreover, Stripe's transparent fee structure and straightforward pricing make it accessible to businesses at all stages of growth. With its user-friendly interface and extensive developer tools, Stripe is a solid choice for anyone seeking a flexible and comprehensive payment solution.
What's the difference between Stripe and Brex?
See the full comparison between Brex & Stripe
Seamless travel and expense management.
4.6/5
(54)
Redeemed by 268 members
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Spend $500, Get $500 in Credit for your next booking
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Spend $500, Get $500 in Credit for your next booking
Get deal for freeNavan is a leading business travel and expense management platform designed to streamline the process of booking, managing, and tracking corporate travel and expenses.
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Multi-currency and multilingual support
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Sustainability tracking
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Analytics and reporting
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Integrated booking system
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Mobile management
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Real-time budget tracking
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Policy compliance tools
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Automated expense reporting
Navan Business
$0 (Freemium)Navan Enterprise
Custom pricingAmb. Maudie Feil
Clear Reporting & Spend Visibility + Future Booking Credit
Our operations team likes Navan because reporting is straightforward and you can see where travel dollars are going without exporting everything into spreadsheets first, plus a Joinsecret offer added some credit on future bookings after we hit the spend requirement
May 27, 2026
No-code user accounts and online payment services
4.5/5
(43)
Redeemed by 498 members
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50% off for 6 months
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Get dealMemberstack helps you add user profile, account creation and secure payment features to your website, without ever needing to code.
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Advanced analytics
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Automation for your business
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Seamless integration
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Personalization at its best
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User profile creation
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Secure online payment
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Hassle-free membership management
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Authorization management
Established
Contact salesBasic
$29 / monthProfessional
$49 / monthBusiness
$99 / monthTristan Ryan
Simple Yet Flexible with Custom Fields
I have had a positive experience with Memberstack mainly because it balances simplicity and flexibility pretty well. Custom signup fields, member metadata, and restricted components gave us enough control to ship without overengineering. We came across a six-month 50 percent savings through Joinsecret too, which was helpful but honestly the product fit mattered more
June 2, 2026
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Get deal for freeThe Melio solution facilitates the management of your company by simplifying your payments. You can make all your expense payments and invoices online. At any time, you decide how to pay your suppliers and subcontractors.
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Automate your payments
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Maintain full control over operations
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Streamline your workflow
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Pay with ease
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Get paid with peace of mind
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Centralize your needs
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Receive payments faster
Trevor Altenwerth
Credit Card Flexibility for Any Vendor
What I appreciate most is being able to pay a supplier with a credit card even when they only want a bank transfer or check. That flexibility has helped with cash flow during slower months, even if I use it selectively because of the fee
May 31, 2026
Why is Melio a good alternative to Brex?
I find Melio to be a great alternative to Brex due to its simple and user-friendly interface. It enables businesses of all sizes to manage their accounts payable digitally, making the payment process more efficient. Unlike Brex, Melio offers a more flexible payment system, allowing you to pay bills using a bank transfer or credit card, even if your vendors only accept checks.
Moreover, Melio doesn't require a minimum deposit or a commitment period. This flexibility is especially beneficial for small businesses or startups that need to maintain liquidity. In addition, while Brex has its own set of advantages like rewards and expense management, Melio's focus on simplifying and digitizing payments makes it a strong contender in the field of business finance solutions.
What are the differences between Melio and Brex?
I have found that Melio and Brex, while both are financial services platforms, have distinct differences in their operations. Melio is primarily designed to simplify the accounts payable process for small businesses. It allows businesses to pay their bills using bank transfers or credit cards, even if recipients only accept checks. It focuses on flexibility in payment methods and timing.
On the other side, Brex operates as a financial operating system for businesses. It offers cash management accounts, corporate cards, and spend management software. Its main focus is on providing a unified view of a company's spending and simplifying expense management. While both platforms aim to streamline financial processes for businesses, Melio focuses on facilitating payments while Brex provides a more comprehensive solution for managing business finances.
Shine simplifies the management of your business with a pro account that integrates accounting and billing tools, and allows you to take out business loans at preferred rates.
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Integrated billing tool
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Business loans
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Keep your finances in check with the easy-to-use budgeting tools
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Stay on top of your finances from anywhere
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Get expert financial advice without breaking the bank
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Bank cards
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100% online pro account
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Simplified accounting
Basic
$8 / monthPremium
$15 / monthBusiness
$28 / monthSammie Jast Sr.
Visible Recognition with Slack Integration
One thing Shine does well is make recognition visible without making it feel forced, and the Slack integration helped a lot because people could give kudos in the flow of work instead of having to open another platform every time
June 1, 2026
4% back in Engine Rewards
Get deal for freeEngine is a modern corporate travel platform that consolidates hotels, flights, and car rentals into one place, with business-only rates that can reach up to 60% off and a rewards layer on top. What makes it stand out is the “free-to-use” core platform paired with optional flexibility (Flex/FlexPro) and finance-friendly billing via DirectBill. Next, I’ll break down Engine’s real strengths, limitations, best-fit teams, and top alternatives.
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Customizable company-wide flexibility
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Centralized booking platform
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Access to exclusive rates
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Vast global inventory
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Flexible cancellation options
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No membership fees or contracts
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24/7 member support
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Transparent cancellation policies
Business Plus
FreeBusiness Premium
$200 / monthJamal Windler IV
Faster, Less Chaotic Team Booking
Engine has made booking work trips a lot less chaotic for our team. The hotel search is fast, policy filters are actually useful, and having traveler profiles saved cuts down the back-and-forth every time someone needs a last-minute room
June 2, 2026
20% off monthly or annual plans
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Get deal for freeDext is a bookkeeping automation platform that turns receipts, invoices, and bank documents into clean, publish-ready accounting entries. What sets it apart is how “pre-accounting” it feels: capture documents by mobile scan, email-in, or upload, apply supplier rules and approvals, then sync into tools like Xero or QuickBooks with far less manual coding. It’s especially strong for accountants managing multiple clients and SMBs that want real-time spend visibility. Next, I’ll break down pros, cons, ideal users, and alternatives.
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Automated bank statement fetching
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Supplier rules automation
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Secure cloud storage
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Mobile receipt scanning
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Expense approval workflows
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Real-time data insights
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Email invoice submission
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Seamless accounting software integration
Essentials
$23 per monthAdvanced
$24 per monthHerta Tillman
Supplier Rules & Bank Fetch Save Coding Time
Setup took a bit of tweaking, but once the supplier rules were in place, Dext became one of those tools you stop thinking about because it just works. I also happened to get around 20% off through Joinsecret, which made the annual cost easier to justify
June 2, 2026
Spend $500 and get $500 back with Spend and Expense
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Get deal for freeBILL is a financial operations platform that helps businesses take the hassle out of managing money. Instead of juggling invoices, payments, and expenses across different systems, companies can bring it all together in one place.
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Scalable solutions for firms
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Credit and funding access
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Real-time cash flow tracking
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Spend management tools
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Multi-level approval workflows
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Seamless accounting integration
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Comprehensive expense management
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Automated accounts payable
Enterprise
Custom pricingEssentials
$49 / user / monthTeam
$65 / user / monthCorporate
$89 / user / monthEmery Meadows
Useful Credit Options for Growth
When we needed to purchase new equipment to take on a bigger project, we tapped into BILL’s line of credit. Having access to financing directly through the platform made it quick and stress-free. We were able to buy what we needed without slowing down the project, and the repayment terms were easy to manage alongside our regular expenses.
October 14, 2025
Pleo is an all-in-one spending solution for companies in Ireland, offering smart company cards, invoice management, and reimbursement tracking.
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Smart company cards
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Automated invoice processing
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Reimbursement tracking
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Multi-entity support
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Integration capabilities
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Customizable spend controls
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Automated reporting
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Subscription management
Silvr offers an alternative to traditional fundraising. In less than 24 hours, companies can leverage their growth potential. The money borrowed can help launch acquisition campaigns to boost your visibility or be an ideal cash injection at the most opportune moment.
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Turn your recurring revenue into cash
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Keep 100% of your capital
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Stay eligible with clear and straightforward criteria
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Access revenue-based financing
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Clear and precise eligibility criteria
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Finance your e-commerce business
Gerald Davis
Excellent Service!
I had a great experience with Silvr's service and their team. I highly recommend working with them!
August 13, 2024
Soldo is a multi-user expense account platform that allows businesses to manage company expenses. It combines prepaid company cards with an automated expense management system, enabling users to control spending and simplify expense reporting. Features include real-time notifications, custom spending limits, and integration with accounting software. Ideal for small to large businesses looking for a comprehensive solution to manage, control, and report on business expenses.
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Automated Expense Reporting
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Integration with Accounting Software
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Expense Management
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Prepaid Company Cards
Mustapha Delli
Nothing works
Difficulty related to the fact that transfers cannot be made to another account beyond this prohibition. Soldo blocks the card without giving a reason. Difficulty withdrawing cash at an ATM when my account is positive and I have correctly set up the services for my card VLAN. Same, transaction declined without a real explanation; no advisor available on weekends, so if your card is blocked, too bad for you. It's really not serious; that's why I'm leaving a negative review. Why block the card instead of simply letting us know that the transaction isn't possible? I am absolutely not satisfied with this card.
November 8, 2024
Why is Soldo a good alternative to Brex?
I find Soldo to be a great alternative to Brex because of its extensive features and flexibility. Soldo provides a comprehensive expense management solution that includes prepaid business cards, an integrated app, and a powerful management dashboard. This allows for real-time tracking of company expenses, efficient budget management, and easy integration with existing accounting software. Unlike Brex, Soldo offers a multi-currency card which can be extremely beneficial for businesses operating internationally. It also has a more flexible eligibility criterion which makes it accessible to a wider range of businesses, including smaller startups and those with lower credit scores. Moreover, Soldo's customer service is highly responsive and reliable, providing quick assistance when needed. In short, Soldo offers an all-inclusive, user-friendly platform for managing business expenses efficiently and effectively.
What are the differences between Soldo and Brex?
As a user, I have noticed several key differences between Soldo and Brex. Soldo is an expense management software based in Europe that offers prepaid business cards to help companies control their spending. It provides features like automated expense reporting, budgeting controls, and integration with accounting systems. On the other hand, Brex is a corporate card for technology companies based in the United States. It provides credit without personal guarantees or security deposits. Brex emphasizes its rewards program, offering points for rideshares, travel, and restaurants. Also, Brex has a unique underwriting model where it extends credit based on the cash a company has raised rather than traditional credit scores. In summary, while both provide solutions for business expenses, Soldo focuses more on expense management and control, whereas Brex is more geared towards offering credit and rewards for tech startups.
A poweful web-based tool to make government funding more accessible to every business owner.
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Budget
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Collect
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Apply
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Qualify
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Optimize
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Inspire
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Connect
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Automate
Nola M
Exceptional Customer Service: Pocketed's Responsiveness and Support
I've been impressed with Pocketed's customer service, they've been responsive and helpful whenever I've had queries or issues.
August 11, 2024
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