Softwr

Accounting · head to head

Brex vs Wise Business

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Only Brex has a free tier, so it costs nothing to try first.
  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Brex covers Corporate cards, Wise Business covers Multi-currency accounts.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Brex and Wise Business actually diverge.

Attributes where Brex and Wise Business differ
AttributeBrexWise Business
Starting priceFree$29/month
Pricing modelsubscriptionusage-based
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Ios, Android, Api
Founded20172011

Identical on both: 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
  • NetSuite
  • SOC 2
  • PCI DSS

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Various
  • FCA regulated
  • Bank-level security

Both cover

  • QuickBooks
  • Xero
  • Web support
  • Ios support
  • Android support

What people use each for

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

Brex

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

Wise Business

  • Holding and converting multiple currencies as a businessnot Brex
  • Paying international suppliers and contractors at the mid market ratenot Brex
  • Receiving payments into local currency account details in several countriesnot 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

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per 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

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

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 Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is Brex or Wise Business better?
Neither clearly leads. Brex starts at Free and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Wise Business?
Brex has a free tier; the other does not. Paid plans start at Free for Brex and $29/month for Wise Business.
Does Brex or Wise Business run on more platforms?
Brex runs on Web, Ios, Android. Wise Business runs on Web, Ios, Android, Api.
Can I use Brex for free?
Yes. Brex has a free tier, so you can try it without paying. Wise Business starts at $29/month.
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 Wise Business is typically brought in for.
What can Brex do that Wise Business cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle QuickBooks, Xero, Web support, Ios support.

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
Wise Business: How fast are international transfers with Wise Business?

Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.

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
Wise Business: Does Wise Business offer volume discounts?

Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.

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
Wise Business: How does Wise Business keep funds secure?

Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.

Source
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