Softwr

Accounting · head to head

Brex vs Revolut

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
Revolut logo

Revolut

Personal Finance

Multi-currency financial app operating as a licensed bank in parts of the EU and as an e-money institution elsewhere

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Revolut uK customer balances have historically been held under an e-money institution licence, meaning they are not covered by the Financial Services Compensation Scheme the way a traditional UK bank deposit is, even though Revolut was granted a restricted UK banking licence in 2024.
  • They diverge on capability: Brex covers Corporate cards, Revolut covers Multi-currency accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Brex and Revolut actually diverge.

Attributes where Brex and Revolut differ
AttributeBrexRevolut
Pricing modelsubscriptionFree standard tier; paid plans add higher limits, insurance and perks
PlatformsWeb, Ios, AndroidiOS, Android, Web
CategoryAccountingPersonal Finance
Founded2017Unknown

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

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 Revolut

  • Multi-currency accounts
  • Revolut Bank EEA deposits
  • Stock, crypto and commodity trading
  • Budgeting and spending analytics
  • Virtual and disposable cards
  • Business accounts (Revolut Business)

What people use each for

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

Brex

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

Revolut

  • Someone travelling or living across multiple currencies who wants low-cost exchange and spending in one accountnot Brex
  • A user in the EEA who wants their balance held with a licensed bank covered by a deposit guarantee schemenot Brex
  • A UK-based user who understands their balance sits under e-money safeguarding rather than FSCS bank protection, and is comfortable with thatnot Brex
  • An investor wanting stock or crypto trading integrated with everyday spending in a single appnot 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

Revolut

  • UK customer balances have historically been held under an e-money institution licence, meaning they are not covered by the Financial Services Compensation Scheme the way a traditional UK bank deposit is, even though Revolut was granted a restricted UK banking licence in 2024.
  • Regulatory status differs by country of use, EEA versus UK versus other markets, so the actual protection on a given balance depends on where the account is domiciled, not on the brand alone.
  • Customer service has been a recurring complaint, with account freezes for fraud checks sometimes leaving customers unable to access funds for extended periods with limited direct human contact.
  • The free tier caps fee-free currency exchange at a monthly allowance, after which a fair usage fee applies, so heavy multi-currency users may need a paid plan to avoid extra charges.
  • The breadth of features, banking, trading, crypto and business accounts, spans multiple regulatory regimes and legal entities, which makes the overall structure harder for a typical customer to fully understand than a single-licence traditional bank.

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

Revolut

Free
  • StandardFree
    • Free multi-currency spending up to a monthly exchange allowance
    • Basic budgeting tools
    • UK balances held under e-money safeguarding, not FSCS-protected as a standard bank deposit
  • Premium$7.99/month
    • Higher free exchange allowance
    • Travel insurance and card delivery perks
    • Priority customer support
  • Metal$14.99/month
    • Cashback on card spending
    • Higher limits across features
    • Metal card and additional insurance cover

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 Revolut if

  • You need multi-currency accounts.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want revolut bank eea deposits.
Revolut review

Questions people ask

Is Brex or Revolut better?
Neither clearly leads. Brex starts at Free and Revolut at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Revolut?
Brex starts at Free and Revolut at Free.
Does Brex or Revolut run on more platforms?
Brex runs on Web, Ios, Android. Revolut runs on iOS, Android, 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 Revolut is typically brought in for.
What can Brex do that Revolut cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Revolut covers Multi-currency accounts, Revolut Bank EEA deposits, Stock, crypto and commodity trading, Budgeting and spending analytics.

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
Revolut: Is my money safe with Revolut?

It depends on your country. EEA balances are held with a Lithuanian-licensed bank and generally covered by deposit guarantee up to 100,000 euro; UK balances have historically sat under e-money safeguarding rather than FSCS bank protection, though Revolut has been working toward full UK banking status since gaining a restricted licence in 2024.

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
Revolut: Is Revolut a bank?

In the EEA, yes, through Revolut Bank UAB, licensed in Lithuania. In the UK, it has historically operated as an e-money institution and was granted a restricted banking licence in 2024, with full UK banking status pending completion of a mobilisation period.

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
Revolut: Does Revolut charge for currency exchange?

Exchange is free up to a monthly allowance on the standard tier, after which a fair usage fee applies; paid plans raise or remove that allowance.

Share

Related pages

More on Brex

More on Revolut

Keep looking

Other head to heads