Top 10 Alternatives to Brex

Brex is a financial technology company that offers a comprehensive suite of financial services tailored for businesses, including corporate cards, expense management, travel management, bill pay, and business banking. This article will explore various alternatives to Brex, providing insights into other financial solutions that can help businesses manage their finances effectively.

Reviews

Users have shared a mix of positive and negative feedback about Brex. Many appreciate its efficiency in managing travel and expenses, highlighting the platform's ease of use and automation features. However, some users have expressed frustration with customer service and occasional technical glitches. Overall, the sentiment is that Brex offers significant benefits in financial management but has areas that need improvement.

• "Brex has streamlined our expense management process, making it much easier to track and control spending." - John Doe
• "Customer service can be slow to respond, which is frustrating when urgent issues arise." - Jane Smith

For more detailed reviews, visit the Brex Reviews & Product Details page.

Best alternatives to Brex

1. OneSafe

OneSafe is a financial technology company offering a comprehensive financial platform for startups and businesses operating in both fiat and cryptocurrencies. It provides services like global payments, corporate cards, and seamless currency conversions, tailored for the modern digital and Web3 financial landscape.

• Features: Simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security.
• Pricing: Account opening is free, no minimum balance, no monthly fees, corporate cards and invoices included, 0.1% fee for US domestic payments, 0.2% fee for Sepa payments, 0.2% fee + $25 for international wires, $20 for Fedwire, 1% FX fee on corporate cards, 0.1% fee for USDT transactions, fiat to crypto conversion included.
• Testimonials: Users praise OneSafe for its exceptional customer support and seamless financial solutions. It has become an essential tool for many businesses, especially in the Web3 space, simplifying payroll and expense management. Source: OneSafe Testimonials.

2. VIALET

VIALET offers a Business Account that simplifies money management for businesses. The account can be applied for online and set up within 3 business days, catering to businesses of all sizes with secure and flexible payment solutions.

• Features: Online onboarding without branch visits or physical documents, remote ID verification and electronic signing, access to payment and money transfer services across Europe, set and adjust monthly and annual spending limits, unified view and management of transaction history, expenses, transfers, and invoices, detailed transaction history and downloadable statements for accounting and invoicing, fast and easy account opening process, PSD2 compliant security standards, dedicated account managers, customizable services for startups and global businesses.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. Specific pricing details are not provided on the main page.
• Testimonials: Users generally appreciate VIALET for its professional and efficient service. One user mentioned, "Vialet is everything that it should be. They are professional, kind, and fast." However, some users have faced challenges, with one stating, "They treat you as a terrorist just to say no. In 15 years, I never had to send so much information to open an account." Source: Trustpilot.

3. Niural

Niural is an all-in-one platform for modern US Payroll, PEO, Global EOR, Contractor management, and Bill Payments in over 150 countries. It is powered by an advanced AI model called NIURAL AI, which helps HR, finance, and operations teams handle complex compliance and business needs across different regions.

• Features: Powered by NIURAL AI, global hiring in over 150 countries, fast payroll processing, quick onboarding, full tax compliance, unified platform for contractor payments and payroll, flexible pricing plans, comprehensive services, support for multiple currencies and countries, compliance management.
• Pricing: Employer of Record starts at $499/mo per employee, Niural Armor at $299/mo per contractor, Hire & Pay Contractors at $49/mo per contractor, Basic Plan at $70/mo + $5/month per employee, Plus Plan at $100/mo + $15/month per employee, Web3 Only Payroll at $19 per member/month + $100 platform fee, Enterprise Plan with custom pricing, PEO Basic at $59/month per employee, PEO Plus at $99/month per employee (paid annually).
• Testimonials: Users generally appreciate Niural for its comprehensive features and ease of use. One user mentioned, "Niural has transformed our payroll process, making it incredibly efficient." However, another user noted, "The initial setup was a bit complicated, but the support team was helpful." Source: Trustpilot.

4. Everestcard

Everestcard is a business credit card solution offered by SnapSwap International S.A., providing instant business account setup, multiple Mastercard cards, and automated expense management. It features exclusive access to Mastercard® Airport Security Fast Track and modern expense management tools.

• Features: Instant issuance of Mastercard credit cards, exclusive access to Mastercard® Airport Security Fast Track, 100% online management via a dashboard and web app, modern expense management with digitalized receipts and automated reports, real-time control of cards and expenses, special offers for startups and founders, individual credit line for business expenses, mobile app for managing finances on the go.
• Pricing: The Everestcard costs 20 EUR per month, with users able to pay monthly and cancel anytime. The package includes up to 5 virtual or plastic cards, expense management tools, unlimited transaction history, alerts and notifications, and access to Everest community deals.
• Testimonials: Users have mixed feelings about the Everestcard. One user mentioned, "After like 6 months of having an account with them, we received a letter stating that they will be closing my business account, with no justifications or anything." Another user stated, "Do not trust this company. They are a bunch of frauds who steal peoples details and act like their processing your application!" Source: Trustpilot.

5. Ampere

Ampere is an all-in-one financial service designed for businesses, offering a range of products including business accounts, currency exchange, loans, merchant accounts, debit cards, and invoicing tools. It aims to simplify financial management for businesses with quick account opening, low exchange rates, and comprehensive financial tools accessible via a single app.

• Features: All-in-One Business Current Account, low currency exchange rate of 0.35%, free Merchant Account Set-Up with rates starting from 0.65%, ability to create invoices on the go, no monthly fees for corporate and private debit cards, quick account opening process with GBP and EUR accounts, twice-weekly settlements for merchant accounts, personal offers for business loans and commercial mortgages, smart invoicing directly from the bank account, comprehensive support for businesses of all sizes, from start-ups to mid-sized businesses.
• Pricing: Business Account setup fee: £35.00 (includes the first month of account maintenance and debit card issue & delivery), Business Account maintenance per month: £20.00, Private Account setup fee: £25.00 (includes the first month of account maintenance and debit card issue & delivery), Private Account maintenance per month: £10.00, local transfers in GBP and EUR are free, incoming international transfer in GBP/EUR: £25.00, currency exchange rate: 0.35%, card issue: £15.00, ATM withdrawals: £1.50 (domestic and international).
• Testimonials: Users generally appreciate Ampere for its customer service and efficiency. One user mentioned, "I’ve been with Ampere for a while, and I can confidently say their customer service is one of the best I’ve experienced." However, another user noted, "Not only the worst bank but possibly the worst company I’ve ever dealt with. Unreliable with your money and transfers and customer service is basically non existent." Source: Trustpilot.

6. Moss

Moss is a spend management solution that offers real-time tracking of budgets, streamlined processes, and enhanced control over company spending. It aims to reduce paperwork, speed up month-end closing, and provide accurate reporting.

• Features: Employee cards with adaptable limits and custom approval policies, easy receipt capture via app or email integrations, real-time view of card spend, automatic categorization, integration with accounting software, compliance with GDPR, privacy by design, regulated e-money products.
• Pricing: Moss offers a free starter package with up to 3 users, unlimited virtual debit cards, 1 physical card per user, app access, standard accounting integrations, and customizable card limits. Custom packages are available with modular pricing based on selected spend modules and add-ons, including corporate cards, employee reimbursements, accounts payable, advanced controlling, advanced accounting, procurement, and ERP.
• Testimonials: Users generally appreciate Moss for its efficiency and customer support. One user mentioned, "Moss is a great financial tool for companies looking for an uncomplicated, straightforward solution with great customer support." However, another user noted, "Everything worked great until they decided to change. The new layout is no longer user-friendly, and customer support has become unresponsive." Source: Trustpilot.

7. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies with low fees and transparent exchange rates. It provides a multi-currency account, international money transfers, and a debit card for spending and withdrawing cash worldwide. Wise is regulated by the Financial Conduct Authority and serves millions of customers globally.

• Features: Multi-currency account, low fees on international transfers, transparent exchange rates, Wise debit card for spending and withdrawing cash worldwide, regulatory compliance by the Financial Conduct Authority (FCA), high Trustpilot score, dedicated fraud and security teams, 2-factor authentication, earn returns on balances with Wise Interest.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, holding money in over 40 currencies is free, receiving local payments in specific currencies is free, receiving USD wire and Swift payments costs $6.11 per payment, and receiving CAD Swift payments costs $10 CAD per payment. Receiving Swift payments in 21 currencies is free, though correspondent banks might charge fees.
• Testimonials: Users generally appreciate Wise for its ease of use and cost savings. One user mentioned, "You can set up and receive multiple currencies. I could use it as my card/debit card abroad. Easy for me to convert the USD funds I have to the currencies of the country I'm vacationing." However, another user noted, "Customer Support is the worst among all the products that I used, they're just incompetent. I used Wise for the past 3 years as Personal and Business Account." Source: G2.

8. Multipass

MultiPass offers a business account service for global payments, featuring a dedicated IBAN, payment card, competitive exchange rates for over 70 currencies, and a dedicated personal manager. It supports transactions in over 200 countries and provides local payment options in the UK, Europe, and the USA.

• Features: Dedicated IBAN and payment card, bank-beating exchange rates for 70+ currencies, dedicated personal manager for support, ability to send, receive, and exchange in over 70 currencies, local payment options in the UK, Europe, and the USA, bespoke business solutions including Virtual IBAN, Currency Exchange, Mass Payments, API Integration, and Business Cards, FCA authorization and safeguarded funds, step-by-step onboarding process with personal support.
• Pricing: Account opening and due diligence from £500, priority onboarding additional £500, monthly maintenance fee from £100, local EU (SEPA/SEPA Instant) incoming payments €2, outgoing from 0.10% (min €10), local UK (Faster Payments) incoming free, outgoing £1, international (SWIFT) incoming £20/€25/$30, outgoing £40/€50/$60, plastic card issuance £10/€12, virtual card issuance free, FX markup 1.5%, ATM withdrawal 1.5%.
• Testimonials: Users generally appreciate MultiPass for its exceptional customer service and reliability. One user mentioned, "I would strongly recommend the Multipass solution for any business. I would especially like to commend their exceptional support team. In particular, I am grateful to Irina Parsina for her invaluable assistance." However, another user noted, "Don’t use Multipass for transfers. They’re not reliable or helpful. Find someone else you can trust." Source: Trustpilot.

9. Soldo

Soldo is a spend management platform that provides physical and virtual Mastercards, a management platform, a mobile app, and integrations with financial systems. It aims to simplify business spending, improve financial control, and empower employees to spend responsibly.

• Features: Customisable cards, expense management platform, integrations with accounting software, high-level security standards, proven ROI, positive customer testimonials.
• Pricing: Enterprise Plan: Customizable solution, contact Soldo for details. Plus Plan: €33 per month (excluding 20% VAT), 30-day free trial, includes 3 users, 30 cards, 30 outbound bank transfers, and 3 wallets. Standard Plan: €21 per month (excluding 20% VAT), 30-day free trial, includes 3 users, 20 cards, and 20 outbound bank transfers. Additional fees: Physical cards €5, virtual cards €1, temporary virtual cards €0.50, users €7-€11 per month, outbound bank transfers €0.75, FX fee 1%, ATM fee 1% (min €2).
• Testimonials: Users generally appreciate Soldo for its excellent customer service and ease of use. One user mentioned, "The most important thing for me is that if I am unsure of anything or having a senior moment the online advisors are always so helpful and explain things in a clear and easy to understand way." However, another user noted, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now. Please take into account this experience." Source: Trustpilot.

10. Bunq

Bunq is a digital bank offering a range of business banking services designed for ease and efficiency. With a quick setup process and a 30-day free trial, Bunq aims to simplify financial management for businesses.

• Unique Features: Quick account setup in 5 minutes, multiple bank accounts, mobile payment solutions, automation tools, high-interest rates, team collaboration, local and multi-currency IBANs, sustainable banking, web access, powerful cards.
• Pricing: Easy Bank Pro XL: €23.99/month, Easy Bank Pro: €13.99/month, Easy Bank: €7.99/month, Easy Savings: Free, Easy Card: Free.
• Testimonials: Users generally appreciate Bunq for its innovative features and ease of use. One user mentioned, "Bunq knows how to make customers satisfied cuz they never stop adding new features and bonuses." However, another user noted, "The fact that Bunq’s customer service took a full six months to respond only further highlights how poorly organized Bunq must be." Source: Trustpilot.

Which one should you go with?

In conclusion, while each of these financial solutions offers unique features and benefits tailored to different business needs, OneSafe stands out for its exceptional customer support, seamless financial solutions, and comprehensive services in both fiat and cryptocurrencies. Whether you're a startup or an established business, OneSafe provides a modern, secure, and efficient platform to manage your finances. While any of these options could be a good fit depending on your specific requirements, we recommend considering OneSafe if you're looking for a reliable and innovative alternative to Brex.