Snapshot
Brex and Lili compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Brex figures as of 29 September 2025Lili figures as of 29 September 2025Last reviewed 29 September 2025
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Brex and Lili sit at different ends of the United States market. Brex targets incorporated startups and scaling companies that want corporate cards and spend management, while Lili is built for small businesses and the self employed who want a simple account with built in tax, invoicing and bookkeeping tools. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 29 September 2025.
Brex vs Lili at a glance
| Feature | Brex | Lili |
|---|---|---|
| Account type | Business account held through partner program banks and a money market fund, with corporate cards and spend management. Brex is a financial technology company, not a bank. | Business banking built for small businesses and the self employed, with banking services provided by a partner bank that is a member of the Federal Deposit Insurance Corporation. Lili is a financial technology company, not a bank. It adds tax set aside, invoicing and bookkeeping tools. |
| Who it suits | United States incorporated startups and scaling companies, often venture or professionally funded, that want a digital account with corporate cards and spend management. | United States small businesses, freelancers, sole proprietors and single owner companies that want a simple account with built in tax and accounting tools. |
| Monthly fee | No monthly account fee and no minimum balance on the business account. Spend management software plans, such as the paid Essentials and higher tiers, add features at a monthly cost. As of 29 September 2025. | Lili Core costs 0 United States dollars. Paid plans add features, for example Lili Pro at about 15 United States dollars a month, Lili Smart at about 35 United States dollars a month and Lili Premium at about 55 United States dollars a month. An introductory discount may apply. As of 29 September 2025. Verify with Lili. |
| Transaction fees | No fee on standard ACH transfers and domestic and international wires on the account. Some advanced or high volume features can carry fees. As of 29 September 2025. Verify the current rate card with Brex. | The Core plan lists no monthly fees, no overdraft fees and no fees at MoneyPass ATMs. Some transactions can carry charges. As of 29 September 2025. Verify the current rate card with Lili. |
| 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. As of 29 September 2025. | No foreign transaction fee is listed on card purchases made outside the United States. As of 29 September 2025. Verify with Lili. |
| Minimum deposit | No account minimum and no account opening fee. As of 29 September 2025. Verify with Brex. | No minimum opening deposit is published. As of 29 September 2025. Verify with Lili. |
| Multi currency | The account is United States dollar based. International United States dollar payments are supported, and some currency features carry fees. As of 29 September 2025. | Lili is a United States dollar account and is not marketed as a multi currency account. As of 29 September 2025. Verify with Lili. |
| Integrations | Accounting integrations including QuickBooks, Xero, and NetSuite, an API, corporate cards, bill pay, and expense and travel management. Confirm current integrations with Brex. | Built in invoicing, expense management and tax tools, with accounting exports and a debit card. Confirm current integrations with Lili. |
| Eligibility | Businesses incorporated in the United States with an Employer Identification Number, such as an LLC, S corporation, C corporation or limited partnership. Sole proprietorships are not eligible, and Brex is aimed at funded startups and scaling companies. As of 29 September 2025. Verify with Brex. | United States businesses including limited liability companies, corporations, partnerships, sole proprietors and non profits. Some non resident founders can open a United States account. As of 29 September 2025. Verify the current requirements with Lili. |
| Broadly available in | The United States. The business must be a United States incorporated entity. As of 29 September 2025. | The United States. As of 29 September 2025. |
Use the table to weigh the differences. The usual question is which one matches your business shape: an incorporated, funded company that wants corporate cards tends toward Brex, while a small business or self employed owner that wants tax and bookkeeping tools tends toward Lili. Confirm the latest fees and eligibility with each provider.
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Both providers accept business customers in their supported markets. Fees and eligibility shown as of 29 September 2025. Confirm current terms with the provider before applying.
Visit Brex → Visit Lili →Questions about Brex and Lili
Which is better for my business, Brex or Lili?
It depends on your needs. The table on this page compares Brex and Lili on account type, fees, currency support, eligibility and availability using each provider's published terms. Brex is aimed at funded United States startups and scaling companies, while Lili is built for small businesses and the self employed with built in tax and bookkeeping tools. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both Brex and Lili?
Often yes, subject to each provider's eligibility rules. The two serve different business shapes, so a sole proprietor may qualify for Lili while an incorporated startup may qualify for Brex. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Brex and Lili figures are shown as of 29 September 2025. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 29 September 2025. Confirm current terms with each provider before applying.