Softwr

Accounting · head to head

Brex vs FreeAgent

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
FreeAgent logo

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; FreeAgent introductory pricing shown is 50% off the regular rates
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Brex and FreeAgent actually diverge.

Attributes where Brex and FreeAgent differ
AttributeBrexFreeAgent
PlatformsWeb, Ios, AndroidWeb
Founded2017Unknown

Identical on both: starting price (Free), pricing model (subscription), free tier (Yes), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Brex

  • Corporate cards
  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • QuickBooks
  • NetSuite
  • Xero

Only in FreeAgent

Nothing recorded that Brex does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Brex

  • Corporate cards with spend controls for startupsnot FreeAgent
  • Expense management and reimbursementsnot FreeAgent
  • Travel booking inside the spend platformnot FreeAgent
  • Bill pay and accounting system syncnot FreeAgent
  • Multi-entity spend management on the paid tiersnot FreeAgent

FreeAgent

  • Submitting VAT and Self Assessment tax returns to HMRC directlynot Brex
  • Splitting rental income and expenses across multiple properties automaticallynot Brex
  • Collecting invoice payments faster through one-click payments and remindersnot Brex
  • Capturing bills and receipts via AI to auto-categorize expensesnot Brex
  • Filing Real Time Information payroll directly to HMRC for employeesnot Brex

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

FreeAgent

  • Introductory pricing shown is 50% off the regular rates
  • All prices exclude 20% VAT
  • Add-ons required for some features (Smart Capture Unlimited £5/month, Amazon integration £6/month)

Pricing, plan by plan

Brex

Free
  • EssentialsFree
    • Global card acceptance
    • Accounting integrations
    • Real-time reporting
  • Premium$12/month
    • per user
    • Custom expense policies
    • Dynamic approval chains
  • Enterprise$null/month
    • Custom pricing

FreeAgent

Free
  • Sole Traders$9.5/month
    • Introductory rate (regular price £19/month)
    • Annual option at £95/year (regular £190)
  • Landlords$5/month
    • Introductory rate (regular price £10/month)
    • Annual option at £50/year (regular £100)
  • UK Partnerships/LLPs$13.5/month
    • Introductory rate (regular price £27/month)
    • Annual option at £135/year (regular £270)
  • UK Limited Companies$16.5/month
    • Introductory rate (regular price £33/month)
    • Annual option at £330/year (regular £330)

Which should you pick?

Choose Brex if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want business accounts.
Brex review

Choose FreeAgent if

  • You want to start without paying.
FreeAgent review

Questions people ask

Is Brex or FreeAgent better?
Neither clearly leads. Brex starts at Free and FreeAgent at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or FreeAgent?
Brex starts at Free and FreeAgent at Free.
Does Brex or FreeAgent run on more platforms?
Brex runs on Web, Ios, Android. FreeAgent runs on Web.
Can I use Brex for free?
Both have a free tier, so you can try either at no cost before committing.
What is Brex best used for?
Brex is most often used for corporate cards with spend controls for startups, expense management and reimbursements, travel booking inside the spend platform, bill pay and accounting system sync. Of those, corporate cards with spend controls for startups and expense management and reimbursements are not what FreeAgent is typically brought in for.
What can Brex do that FreeAgent cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay.

Answered from the vendors’ own pages

Brex: Does Brex have a free plan?

Yes. Brex Essentials is free for startups and growing companies and includes global card acceptance, AI-powered rules, accounting integrations, real-time reporting, and bill pay.

Source
FreeAgent: Does FreeAgent offer a free option?

FreeAgent is free for qualifying customers maintaining business accounts with NatWest, Royal Bank of Scotland, Ulster Bank, or certain Mettle accounts.

Source
Brex: What is Brex Premium pricing?

Brex Premium costs $12 per user per month and is designed for mid-sized companies. It adds custom expense policies, dynamic approval chains, AI compliance auditing, multi-entity support, and live budgets.

Source
FreeAgent: What is FreeAgent's pricing for sole traders?

Sole traders pay £9.50/month (50% introductory rate; regular £19/month), or £95/year annually (regular £190/year), excluding 20% VAT.

Source
Brex: What countries accept Brex cards?

Brex cards are accepted in 210+ countries. The Smart Card plan offers local-currency cards in 50+ countries for companies focused on procurement simplification and international payments.

Source
FreeAgent: What add-ons does FreeAgent offer?

Optional add-ons include Smart Capture Unlimited at £5/month and Amazon integration at £6/month, allowing customers to extend base plan functionality.

Source
FreeAgent: Does FreeAgent offer a trial?

FreeAgent provides a 30-day free trial with no commitment, and customers can cancel at any time during or after the trial period.

Source
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