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 cater to similar business needs.

Reviews

Users have shared a mix of positive and negative feedback about Brex. Many appreciate the platform's efficiency and ease of use, particularly highlighting its AI-powered automation and real-time tracking features. However, some users have expressed frustration with occasional technical glitches and customer service response times. Overall, the sentiment is that while Brex offers significant benefits in managing corporate expenses, there are areas that could use improvement.

• "Brex has streamlined our expense management process, making it much easier to track and control spending." - John Doe
• "The customer service can be slow at times, which is frustrating when you need quick resolutions." - Jane Smith

For more detailed reviews, visit Brex Reviews.

Best alternatives to Brex

1. OneSafe

OneSafe is a financial technology company offering a comprehensive neo-banking platform designed for startups and businesses operating in both fiat and cryptocurrencies. It provides streamlined, secure, and tailored financial services, including global payments, corporate cards, and multi-currency support.

• Simple onboarding, global payment capabilities, user-friendly corporate cards, comprehensive tools for managing global accounts, flexible controls, multi-currency support, seamless payment options, high security with state-of-the-art encryption.
• Account Opening: Free, Minimum Balance: $0, Monthly Fees: None, Corporate Cards: Included, Invoices: Included, US Domestic Payments: 0.1% fee, Sepa Payments: 0.2% fee, International Wires: 0.2% fee + $25 Swift, Fedwire: $20, FX fee on Corporate cards: 1%, USDT Transactions: 0.1% fee, Fiat <-> Crypto Conversion: Included.
• Users rave about OneSafe's exceptional customer support and its ability to simplify complex financial processes. Testimonials highlight its game-changing impact and essential role in operations. For more details, visit OneSafe.

2. VIALET

VIALET offers a Business Account that simplifies money management for businesses of all sizes. The account can be opened online in minutes, with full functionality available within three business days. Key features include online onboarding, budget control, comprehensive transaction management, and enhanced reporting. VIALET aims to provide seamless banking and payment solutions to help businesses grow faster and manage their finances more efficiently.

• Unique features: online onboarding, budget control, comprehensive transaction management, enhanced reporting, quick account setup, customer-centric approach, high security standards, personalized support, tailored services.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. Specific pricing details are not provided on the webpage; users may need to sign up or contact VIALET directly for detailed information.
• Testimonials: Users have mixed feelings about VIALET. One user praised the service, stating, "Vialet is everything that it should be. They are professional, kind, and fast. Everyone there is so welcoming and they really make you feel like an important person." On the other hand, another user expressed frustration, saying, "It's a fraud. After a few transactions the new balance or transfer you may make to your account will never appear and the support will stop responding." For more reviews, visit 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: Utilizes SuperAgents, facilitates hiring contractors in over 150 countries, quick payroll processing, fast onboarding, full tax compliance, unified platform for contractor payments and payroll, flexible pricing plans, comprehensive services including Employer of Record and benefits administration.
• Pricing: Employer of Record starts at $499/month per employee, Niural Armor at $299/month per contractor, Hire & Pay Contractors at $49/month per contractor, Basic Plan at $70/month + $5/month per employee, Plus Plan at $100/month + $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 have mixed feelings about Niural. One user praised the service, stating, "Niural has significantly streamlined our global payroll process, making it much easier to manage." On the other hand, another user expressed frustration, saying, "The platform is not as intuitive as we hoped, and customer support could be more responsive." For more reviews, visit Trustpilot.

4. Everestcard

The Everestcard is a business credit card solution designed for startups and established businesses, offering instant business account setup, multiple Mastercard credit cards, and automated expense management. It provides 100% online management and modern expense management tools.

• Unique features: instant issuance of multiple Mastercard credit cards, exclusive access to the Mastercard® Airport Security Fast Track, 100% online management of accounts and expenses, modern expense management with digitalized receipts and automated reports, real-time control of cards and expenses via an online dashboard, special offers for startups and founders, individual credit line for business expenses, mobile app for real-time balance tracking and instant access to account details.
• Pricing: The standard package for Everestcard is priced at 20 EUR per month. This plan includes up to 5 virtual or plastic cards, expense management tools, unlimited transaction history, alerts and notifications, and access to Everest community deals. The subscription is billed monthly and can be canceled at any time. Additionally, there is a free 90-day trial available for new users.
• Testimonials: Users have mixed feelings about the Everestcard. One user expressed frustration, stating, "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 was more positive, noting, "The card's expense management tools have significantly streamlined our financial processes." For more reviews, visit 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 business tools accessible via an app or website.

• Features: All-in-One Business Current Account, low currency exchange rate of 0.35%, free merchant account set-up with rates from 0.65%, quick account opening with GBP and EUR accounts, corporate & private debit card with no monthly fees, smart invoicing directly from the bank account, personalized business loans and commercial mortgages, comprehensive business tools accessible from various devices.
• Pricing: Business Account setup fee is £35.00, with a monthly maintenance fee of £20.00. Private Account setup fee is £25.00, with a monthly maintenance fee of £10.00. Local transfers in GBP and EUR are free, while incoming international transfers cost £25.00. Currency exchange is charged at 0.35% from the exchange amount. Card issuance costs £15.00, with no monthly or transaction fees. ATM withdrawals are £1.50 domestically and internationally.
• Testimonials: Users generally have a positive sentiment towards Ampere. One user praised the service, stating, "I’ve been with Ampere for a while, and I can confidently say their customer service is one of the best I’ve experienced." On the other hand, another user expressed frustration, saying, "Not only the worst bank but possibly the worst company I’ve ever dealt with." For more reviews, visit Trustpilot.

6. Moss

Moss is a spend management solution that offers less paperwork, more control over spending, faster month-end processes, and more accurate reporting. It provides real-time tracking of budgets, approval and accounting tools, and integrates with leading accounting software.

• Unique Features: Employee cards with adaptable limits and custom approval policies, receipt capture via app or email integrations, real-time view of card spend, automatic categorization, integration with accounting software, 4.5x ROI within 3 years, end-to-end security, privacy by design, regulated e-money products.
• Pricing: Moss Starter Package is free and includes up to 3 users, unlimited virtual debit cards, 1 physical card per user, app access, standard accounting integrations, and customizable card limits. Custom packages include the Moss Platform with customer service, iOS & Android apps, essential financial integrations, corporate cards, employee reimbursements, accounts payable, and optional add-ons like advanced controlling, advanced accounting, procurement, and ERP integrations.
• Testimonials: Users generally appreciate Moss for its user-friendliness and efficiency. One user noted, "Moss is a great financial tool for companies looking for an uncomplicated, straightforward solution with great customer support." However, another user expressed frustration, stating, "It worked really well at first...until their recent make-over update. The website layout is no longer user-friendly, and the customer care team is nowhere to be found." For more reviews, visit Trustpilot.

7. Wise

Wise offers an international account that allows users to send, receive, and manage money globally with minimal fees and transparent exchange rates. The service is used by millions of people for personal and business purposes, enabling them to live, work, travel, and transfer money worldwide without hidden fees.

• Unique Features: Multi-currency account holding and converting over 40 currencies, low fees saving up to 5x on international transfers, guaranteed exchange rates for a specified period, Wise debit card for spending and withdrawing cash worldwide without foreign transaction fees, interest on GBP balances, global account details for receiving money in multiple currencies, high security with FCA regulation and 2-factor authentication, significant customer base with high Trustpilot rating.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, varying by currency. Holding money in over 40 currencies is free. Receiving money is free for local payments in specific currencies, with a $6.11 fee for USD wire and Swift payments, and 10 CAD for CAD Swift payments. 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 low fees. One user noted, "It has the lowest fees. Trust me, I've tried a lot and this one is the most reasonable one when it comes to fees." However, another user expressed frustration, stating, "Customer Support is the worst among all the products that I used, they're just incompetent." For more reviews, visit G2.com.

8. Multipass

MultiPass offers a business account service for global payments, featuring dedicated IBANs, competitive exchange rates for over 70 currencies, and personal account management. It supports international transactions in over 200 countries and provides various financial services like currency exchange, mass payments, and API integration.

• Features: Dedicated IBAN, payment card, competitive exchange rates for over 70 currencies, personal account manager, supports transactions in over 70 currencies and 200 countries, bespoke business solutions including Virtual IBAN, Currency Exchange, Mass Payments, API integration, and Business Cards, regulated by the FCA, recognized for innovation and excellence.
• Pricing: Onboarding fees start from £500, priority onboarding at £500, additional user at £100, annual due diligence from £100. Monthly maintenance fee from £100, minimum balance from 3 monthly fees, failure to meet minimum balance at £100, failure to provide requested documents at £500, account closure fee from 3 monthly fees. Local EU (SEPA / SEPA Instant) incoming at €2, outgoing from 0.10% (min €10). Local UK (Faster Payments) incoming free, outgoing £1. Local UK (BACS / CHAPS) at £20 for both incoming and outgoing. Local US (ACH) from 0.15% (min $10) for both incoming and outgoing. Local US (Fedwire) from 0.10% (min $25) for both incoming and outgoing. International (SWIFT) incoming £20 / €25 / $30, outgoing £40 / €50 / $60. Between MultiPass users free for both incoming and outgoing. Card fees include initial issuance & replacement at £10 / €12 for plastic, free for virtual, maintenance fee at £10 / €12, FX markup at 1.5%, ATM withdrawal at 1.5%, and various other fees.
• Testimonials: Users generally appreciate MultiPass for its efficient service and helpful support team. One user noted, "I would strongly recommend the Multipass solution for any business. I would especially like to commend their exceptional support team." However, another user expressed frustration, stating, "Don’t use Multipass for transfers. They’re not reliable or helpful." For more reviews, visit Trustpilot.

9. Soldo

Soldo is a spend management platform that provides physical and virtual Mastercards, a management platform, and a mobile app to track expenses and capture receipts. It integrates with various financial systems to streamline business spending, improve budget control, and provide real-time insights into decentralized spending.

• Features: Pre-programmable customizable cards, powerful expense management platform, real-time insights, integrations with accounting software, enterprise-level security, economic impact with high ROI and significant time savings.
• Pricing: Enterprise Plan - customizable pricing upon contact, Plus Plan - €33 per month (excluding 20% VAT) with 3 users and 30 cards, Standard Plan - €21 per month (excluding 20% VAT) with 3 users and 20 cards, additional fees for physical cards (€5), virtual cards (€1), temporary virtual cards (€0.50), additional users (€7 for Standard, €11 for Plus), outbound bank transfers (€0.75 per transaction), FX and ATM fees (1% with a minimum of €2).
• Testimonials: Users generally appreciate Soldo for its helpful customer support and efficient spend management. One user noted, "The online advisors are always so helpful and explain things in a clear and easy to understand way." However, another user expressed frustration, stating, "Our account was frozen and closed without any reasons." For more reviews, visit Trustpilot.

10. Bunq

Bunq is a digital bank offering a quick and efficient way to open a business bank account, with a setup process that takes just 5 minutes using a phone and ID. They also provide a 30-day free trial for any plan.

• Unique Features: Quick account setup, multiple bank accounts, mobile payment solutions, automation tools, high-interest savings, teamwork facilitation, local and multi-currency IBANs, powerful cards, sustainable banking, web access.
• 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 noted, "Bunq knows how to make customers satisfied cuz they never stop adding new features and bonuses. 🙌 I’m glad to be a part of such a nice financial bank and I feel young 🤪 when i’m using their services." However, another user expressed frustration, stating, "The fact that Bunq’s customer service took a full six months to respond only further highlights how poorly organized Bunq must be. In my view, such disarray is unacceptable for a bank where people entrust their savings." For more reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these financial solutions offers unique features and benefits tailored to various business needs, OneSafe stands out for its exceptional customer support, streamlined processes, and robust security measures. Whether you're a startup or an established business, OneSafe provides a comprehensive neo-banking platform that simplifies financial management and supports both fiat and cryptocurrencies. While any of these options could be a good fit depending on your specific requirements, we recommend OneSafe if you're looking for a reliable and innovative alternative to Brex. For more details, visit OneSafe.