Snapshot
Brex and Relay 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 16 April 2026Relay figures as of 16 April 2026Last reviewed 16 April 2026
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 Relay suit different businesses. 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 16 April 2026.
Brex vs Relay at a glance
| Feature | Brex | Relay |
|---|---|---|
| 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. | Online business banking from Relay, a financial technology company in the United States, built around multiple accounts so a business can separate money for taxes, payroll and operating costs. |
| 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 that want to separate money across multiple accounts and manage cash flow and spending in one place. |
| Monthly fee | No monthly account fee and no minimum balance on the business account. Spend management software plans add features at a monthly cost. As of 16 April 2026. | Free Starter plan with no monthly fee. Paid Grow and Scale plans carry a monthly fee and add features, for example Grow at about 30 United States dollars a month. As of 16 April 2026. Verify with Relay. |
| 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 16 April 2026. Verify the current rate card with Brex. | No monthly subscription fee, no minimum balance and no overdraft fees on the Starter plan. Domestic wires cost about 5 United States dollars and international wires about 10 United States dollars on the free plan. As of 16 April 2026. Verify with Relay. |
| 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 16 April 2026. | Relay is United States dollar focused. International wire payments may carry charges. Unclear at a single headline rate, so verify with Relay. As of 16 April 2026. |
| Minimum deposit | No account minimum and no account opening fee. As of 16 April 2026. Verify with Brex. | No minimum balance required. As of 16 April 2026. Verify with Relay. |
| Multi currency | The account is United States dollar based. International United States dollar payments are supported, and some currency features carry fees. As of 16 April 2026. | United States dollar focused, with international wire payments available. As of 16 April 2026. Verify with Relay. |
| Integrations | Accounting integrations including QuickBooks, Xero, and NetSuite, an API, corporate cards, bill pay, and expense and travel management. Confirm current integrations with Brex. | Accounting integrations such as QuickBooks and Xero, with multiple accounts and cards for cash flow management. Confirm current integrations with Relay. |
| 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 16 April 2026. Verify with Brex. | United States registered businesses. As of 16 April 2026. Verify the current requirements with Relay. |
| Broadly available in | The United States. The business must be a United States incorporated entity. As of 16 April 2026. | The United States only. As of 16 April 2026. |
Use the table to weigh the differences. Brex and Relay tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 16 April 2026. Confirm current terms with the provider before applying.
Visit Brex → Visit Relay →Questions about Brex and Relay
Which is better for my business, Brex or Relay?
It depends on your needs. The table on this page compares Brex and Relay on account type, fees, currency support, eligibility and availability using each provider's published terms. 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 Relay?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account, for example one for everyday banking and another for currency conversion. 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 Relay figures are shown as of 16 April 2026. 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 16 April 2026. Confirm current terms with each provider before applying.