United States
activeFeaturedBusiness bankingVirtual card
- HQ
- New York
- Fee
- Software + card; pricing by plan
Brex
US start-up cards and spend. Not a bank, on purpose.
Tap a star to jump to reviews
7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Brex is not a bank. Your money sits with Card issuer + treasury partners (confirm live).
If it fails?
Treasury/cash sits at partner banks or money-market — cards are credit/charge
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Card program; rewards-funded for eligible start-ups
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
Brex is a card and spend platform. Ramp is the rival. Mercury is the checking account you put underneath.
What it is
Brex underwrites start-up spend. It is not FDIC-as-a-brand. Pair it with a real operating account.
Best for: US start-ups that want Ramp-class cards with a slightly different religion.
Last checked 2026-08-01. Not advice.
What it does well
- +Virtual cards
- +Start-up underwriting history
- +Controls
- +Metal as costume
What to watch
- −Not a bank
- −Eligibility walls
- −They exited SMB banking once already — read the live SKU
Who holds the money
The account
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Business
- Settlement
- Card auth in seconds
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Brex lists a physical card and a virtual card and a metal card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Treasury/cash sits at partner banks or money-market — cards are credit/charge
Who holds the money: Card issuer + treasury partners (confirm live)
- Card issuer / partner banksCommercial card + treasury partners · United States
Fees
- Monthly
- Card program; rewards-funded for eligible start-ups
- FX markup
- Competitive on the card; not Wise
- ATM
- Not the job
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- ✓Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Virtual cards
- Bill pay
- Travel
- Rewards
- Spend controls
Score
- Safety25%
- 7.0
- Fees20%
- 7.6
- Features15%
- 8.8
- App15%
- 8.6
- Global15%
- 4.4
- Support10%
- 7.2
Change log
Full logStatus
Exited SMB cash / banking SKU once already
Read the live SKU. Cards and spend are the religion now.
Status
Exited SMB cash / banking SKU once already
Read the live SKU. Cards and spend are the religion now.
Available in
Straight answers
FAQ
01Is Brex a bank?
No. Brex is filed as Commercial card + treasury partners. The money sits with Card issuer + treasury partners (confirm live).
02What happens to money in Brex if it fails?
Treasury/cash sits at partner banks or money-market — cards are credit/charge
03What does Brex charge each month?
The monthly fee on this file is Card program; rewards-funded for eligible start-ups. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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