Brex is a financial technology company that provides a business account, corporate cards, and spend management for United States incorporated companies, popular with funded startups and scaling firms. The account has no monthly fee. As of 11 October 2026.
- Who it suits
- United States incorporated startups and scaling companies, often venture or professionally funded, that want a digital account with corporate cards, spend management, and no monthly fee.
- Broadly available in
- The United States. The business must be a United States incorporated entity. As of 11 October 2026.
- Headline monthly fee
- No monthly account fee and no minimum balance on the business account. Software plans start at 0 US dollars per user a month on Essentials; Premium is 12 US dollars per user a month. As of 11 October 2026.
- Account type
- Checking provided by Column N.A., Member FDIC, plus treasury and vault cash management from Brex Treasury LLC. Brex is a fintech, not a bank.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Brex provides a business account, corporate cards, bill pay, expense and travel management, and treasury features aimed at United States incorporated startups and growing companies. It is a financial technology company, not a bank, and checking is provided by Column N.A., Member FDIC. Funds in vault are swept to program banks for FDIC coverage, and funds in treasury are invested in a government money market fund that is not FDIC insured. The business account has no monthly fee, and software plans start at 0 US dollars per user a month. As of 11 October 2026.
Strengths
No monthly account fee and no minimum balance, free same day ACH payments, corporate cards and spend controls, up to 6 million US dollars of FDIC coverage through 24 partner banks, and integrated expense, bill pay, and travel tools. As of 11 October 2026.
Limitations
It is a United States dollar account, so it does not replace a local bank account in other countries. Applicants need a United States incorporation, an EIN and United States operations, and Brex focuses on funded startups and companies with more than 500,000 US dollars a year in revenue. It is a fintech rather than a bank, deposit insurance covers the failure of an insured program bank rather than Brex, and some features target funded companies. Verify current terms with Brex.
Fees and features
| Monthly fee | No monthly account fee and no minimum balance on the business account. Software plans: Essentials 0 US dollars per user a month, Premium 12 US dollars per user a month, Enterprise priced on request. As of 11 October 2026. |
|---|---|
| Transaction fees | Unlimited same day ACH payments are free. Brex publishes wire and other charges in a separate yield and fees schedule, and some products carry fees. As of 11 October 2026. Verify the current rate card with Brex. |
| FX fees | International wires and foreign currency payments can carry fees that vary by route and currency. Unclear at a single headline rate, so verify with Brex. |
| Minimum deposit | No account minimum and no account opening fee. As of 11 October 2026. Verify with Brex. |
| Multi currency | The account is United States dollar based. Payments can be made in more than 30 local currencies, and local currency cards are available in more than 50 countries on paid plans. As of 11 October 2026. Verify with Brex. |
| Integrations | Accounting integrations on every plan, ERP and HRIS integrations on higher plans, corporate cards, bill pay, and expense and travel management. Verify the current list of supported software with Brex. |
| Eligibility | A United States EIN issued by the IRS, a valid United States incorporation, United States operations and a United States physical address that is not a P.O. Box. Brex focuses on companies with an equity investment or more than 500,000 US dollars a year in revenue. As of 11 October 2026. Verify eligibility with Brex. |
Open a Brex business account
Brex serves United States incorporated businesses. Fees and eligibility shown as of 11 October 2026. Confirm current terms with the provider before applying.
Visit Brex → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.Brex by country
Brex accounts are for United States incorporated entities. The country page below explains availability and fees, as of 11 October 2026.
Questions about Brex
Is Brex a bank?
Does Brex charge a monthly fee?
Who can open a Brex account?
Are funds in a Brex account FDIC insured?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Brex before applying.