Brex review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Brex suits businesses that want a company card and a cash account under one roof, paying a variable rate of $4.01 to $4.36 on balances with same-day access. Card costs nothing to hold at $0 a month, though converting money abroad runs at 3%.
Key facts
- Best for
- A business debit card and a cash account with same-day access and a minimum deposit of $0.
- Monthly fee
- $0↗
- Currency conversion fee
- 3%↗
- Card type
- Debit↗
- Legal entity
- Brex, Inc.↗
- Headquarters
- United States↗
- Founded
- 2017↗
- Support channels
- Chat, Phone, Help-centre↗
- Features
- Multi-currency, Travel
- Audience
- Business
- Official website
- brex.com
Savings
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Holding costs are $0 a month and $0 a year, with a minimum deposit of $0
- Cash comes out the same day with no waiting period, so the account suits payroll and supplier timing
- Support covers chat, phone and help centre, including a phone line for blocked card payments
- Deposit protection is FDIC up to USD 250,000
Cons
- Conversion on the card costs 3%, above the site median of 1%, so overseas spend is the weak point
- The account is for businesses, with the audience listed as business, so it does not cover personal banking
- The rate is variable, so the $4.01 to $4.36 band is not a fixed return you can plan around
Who it suits
- Businesses that keep operating cash in the account and pay on a company card, with same-day access and no waiting period
- Teams paying in several currencies or travelling on the card, since features cover multi currency and travel
- Companies that want phone help, as chat, phone and help centre are all listed
Who should look elsewhere
- Businesses that convert money often, since the card charges 3% and Wise is worth weighing for conversion-heavy spending
- Anyone after a fixed return: the rate is variable (variable), so a fixed savings product suits better
How Brex compares
8.8 vs 9.4
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8.8 vs 8.6
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8.8 vs 8.8
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8.8 vs 8.5
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8.8 vs 8.0- 8.8 vs 8.0
Where Brex is available
- Available
- Australia, Canada, France, Germany, Singapore, United Kingdom, United States
Countries from its affiliate programme (Source)
Frequently asked questions
What does the Brex business account cost?+
The account carries a monthly fee of $0 and an annual fee of $0, so holding it for the business costs nothing. The minimum deposit is $0, and support runs through chat, phone and help centre with no listed charge.
How much interest do I earn on a Brex balance?+
The headline rate is $4.01 to $4.36 and the rate type is variable, so the return moves with the market instead of staying locked. That makes it closer to a cash-management account than a fixed savings product, and the balance you hold is what earns the rate.
Is money held with Brex protected?+
Deposits are covered by FDIC up to USD 250,000, which sets the ceiling on what is protected. The account is run by Brex, Inc., headquartered in the United States, so the protection scheme and the entity behind the account are the two things to check before you move funds in.
What card comes with the account?+
The card is a debit card in the charge range, aimed at business spending rather than personal use. Listed features cover multi currency and travel, so multi-currency and travel spending are part of the design. It works alongside the cash account rather than as a standalone rewards card.
What does it cost to use the card abroad?+
Currency conversion is charged at 3%, above the site median of 1% for the brands compared. Because the card is a debit purchase, the conversion cost applies each time rather than a rate you can lock. Businesses that travel often should weigh that cost first.
Who can open a Brex account?+
The account is for businesses: the audience is listed as business, not personal users. That points to a company and its owners rather than an individual wanting a personal current account. Personal shoppers are better served by one of the alternatives listed here.
How quickly can I get at my money?+
Access is same-day liquidity with no waiting period and no minimum balance, so the account is built for operating cash rather than locked savings. The rate of $4.01 to $4.36 is variable on top of that access, and the minimum deposit is $0.
Sources
- brex.com checked September 26, 2026
Backs: Audience
“integrated financial operations platform for top companies”
- brex.com/contact checked September 26, 2026
Backs: Support channels
“Live Chat: Available 24/7 in the dashboard, Phone: Available 24/7, Help Center: https://www.brex.com/support”
- brex.com/pricing checked September 26, 2026
Backs: Features
“local-currency cards in 50+ countries, Unlimited global cards, accepted in 210+ countries and territories”
- en.wikipedia.org/wiki/Brex checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded on January 3, 2017”
- wallethub.com/d/brex-corporate-card-for-startups-3265c checked September 26, 2026
Backs: Card type, Monthly fee
“Daily Card that functions like a debit card for your Brex Cash account”
- brex.com/legal/card checked September 26, 2026
Backs: Currency conversion fee
“up to three percent (3%) of the Charge amount”
- brex.com/product/business-account checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Headline rate, Minimum deposit, Rate type
“Keep growing your cash until you need it with same-hour liquidity”
- nerdwallet.com/business/credit-cards/reviews/brex-card checked September 26, 2026
Backs: Annual fee, Card kind, Pricing model
“The Brex Card has a $0 annual fee for the Essentials subscription tier”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
Brex
A business debit card and a cash account with same-day access and a minimum deposit of $0.