Revolut Business
Multi-currency business accounts, cards, and expense tools.
Alternatives · 2026
Alternatives to Brex
Corporate cards, banking, and spend management for startups.
7 hand-curated alternatives from MintedSaaS's directory. See the Brex listing →
Brex is a corporate card and spend-management platform built for startups and scale-ups that need consolidated billing, real-time expense tracking, and integration with accounting software. It combines physical and virtual cards with receipt capture, approval workflows, and detailed reporting in one dashboard. The platform targets high-growth companies that want to avoid the friction of traditional business banking and reduce the time their finance teams spend on manual expense reconciliation.
Most teams use Brex to issue cards to multiple employees, set spending limits per person or department, and automatically categorize transactions for accounting. It's pulled into workflows by companies that already live in Slack and Stripe, and by founders who want the brand signal of a fintech card over a corporate American Express. The product works best when your company plans to scale headcount quickly and you'd rather not manage receipts and reimbursements through email and spreadsheets.
What we offer that competes
Wise
Multi-currency accounts and international money transfers.
Spendesk
Spend management with cards, invoices, and approvals.
Pleo
Smart company cards with automated expense management.
Expensify
Expense tracking and reporting with receipt scanning.
Ramp
Corporate cards and spend management that aim to cut spend.
What to look for
- Whether the platform integrates directly with your accounting software without requiring manual CSV exports
- Whether you can set spending limits by employee, department, or card category before the purchase is made
- Whether the platform offers per-employee card issuance or requires all cards to draw from a single account
- Whether the platform provides built-in business banking or requires you to connect an external bank account
- Whether the platform captures and categorizes receipts automatically or requires manual entry or photos
- Whether transaction fees or foreign exchange markups are charged, or if revenue comes solely from subscription
FAQ
What are the best alternatives to Brex?
Ramp, Mercury, Wise, Spendesk, Pleo, Revolut Business, and Expensify all compete in the corporate spend category. Ramp and Mercury focus on startups specifically; Wise and Revolut are stronger internationally; Spendesk and Pleo emphasize approval workflows; Expensify is primarily expense-report software.
Are there free alternatives to Brex?
Expensify offers a free plan with basic expense tracking and receipt scanning, though it doesn't include corporate cards. Most card-issuing alternatives like Ramp, Mercury, and Pleo require a paid subscription, but many don't charge transaction fees.
Which spend-management platform is best for international teams?
Wise and Revolut Business both operate in 100+ countries and handle multi-currency accounts natively, making them simpler for distributed teams than Brex, which is US-focused.
How do I choose between a corporate card and an expense-management platform?
If your team makes frequent purchases and you want to reduce reimbursement overhead, a corporate card platform like Ramp or Mercury is faster. If your company uses contractors, vendors, or reimbursement-heavy workflows, an expense platform like Expensify or Spendesk may fit better.
Can I use Brex alternatives with my accounting software?
Yes. Mercury, Ramp, and Wise all integrate with QuickBooks, Xero, and NetSuite. Expensify integrates with nearly every major accounting platform; Spendesk and Pleo focus on Xero and NetSuite.
What features matter most in a corporate card platform?
Look for per-employee spending limits, real-time receipt capture, approval workflows before purchase (not just after), and automated categorization for accounting. Real-time alerts and the ability to pause or replace cards matter if your team scales quickly.
Do Brex alternatives work with startups that don't have a business bank account yet?
Mercury and Ramp both provide integrated business banking alongside cards, so you can avoid opening a separate account elsewhere. Wise and Spendesk require an existing business bank account to connect.
Which alternative is cheapest for a small startup?
Expensify's free plan costs nothing; Pleo and Spendesk typically charge $9–15 per employee per month. Mercury and Ramp are free for basic use; they make money on interchange, not subscription fees.