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Brex alternatives

Brex is already the cheapest spend management tool we track at a 10-person team (free). Here's how the other 4 compare. The closest match, Ramp, covers 91% of what Brex does. Each one shows how much of it it covers, capability by capability, next to the price.

What Brex does

Core: Company cards, Users, roles & approvals, Expense reimbursement, Card limits & budgets (partly), Approval chains & policy rules.

Important: Business bank account, Interest & treasury, Extended deposit protection, Bills & accounts payable (partly), Simple bookkeeping & tax (partly), Accounting software sync, Credit cards & financing (partly), AI finance features (partly), Receipt capture & OCR (partly), AI transaction coding, Card cashback & rewards (partly).

Also has: Sub-accounts & pockets (partly), International vendor payments (partly), Banking API (partly), Multiple legal entities (partly), Purchase requests & POs (partly), Business travel booking (partly), HRIS & chat integrations (partly).

Alternatives to Brex at a 10-person team, best match first

  • Ramp: free Plus adds a team-size platform fee (not published) (Free plan ($0/user/mo; approvals included; no seat cap stated)). It covers 91% of Brex; missing or partial: Interest & treasury (partly), Extended deposit protection, Sub-accounts & pockets. Free plan: Free plan at $0/user/mo: unlimited cards, configurable approval workflows, QuickBooks Online and Xero sync, and bill pay with no monthly software fee.. Last price hike: Jul 2026.
  • Expensify: $50/mo Billing period not labelled; treated as monthly (Collect plan at $5 per member per month, 10 members). It covers 74% of Brex; missing or partial: Approval chains & policy rules (partly), Business bank account, International vendor payments, Multiple legal entities, Purchase requests & POs. Free plan: Submit is free for all members with no company approval; individuals get New Expensify free with unlimited SmartScans.. Last price hike: Apr 2026.
  • BILL Spend & Expense: custom pricing (Paid Spend & Expense plan (quote-based); free-plan approvals not confirmed). It covers 50% of Brex; missing or partial: Expense reimbursement (partly), Approval chains & policy rules, Business bank account, Bills & accounts payable, Accounting software sync (partly). Free plan: $0 per user per month: as many cards as needed, AI receipt capture, mobile app, reimbursements; approvals not listed..
  • BILL Accounts Payable: not offered (n/a at team10 (bill pay only, not offered); bills20 uses the Team plan). It covers 40% of Brex; missing or partial: Company cards, Expense reimbursement, Card limits & budgets, Approval chains & policy rules (partly), Business bank account (partly). Free plan: none.

Other kinds of products that cover part of Brex

  • Xero (Accounting): covers 55% of Brex; missing or partial: Company cards, Expense reimbursement (partly), Approval chains & policy rules (partly), Business bank account, Accounting software sync (partly)
  • QuickBooks Online (Accounting): covers 45% of Brex; missing or partial: Company cards (partly), Expense reimbursement (partly), Card limits & budgets, Approval chains & policy rules, Accounting software sync (partly)

Prices at every size

  • Brex: a 10-person team free, a solo user with 50 receipts a month free, 20 vendor bills a month no public price (Free Essentials plan; bill-pay fees unverified)
  • Ramp: a 10-person team free, a solo user with 50 receipts a month free, 20 vendor bills a month $11.80/mo (Plus adds a team-size platform fee (not published))
  • Expensify: a 10-person team $50/mo, a solo user with 50 receipts a month free, 20 vendor bills a month no public price (Billing period not labelled; treated as monthly)
  • BILL Spend & Expense: a 10-person team custom pricing, a solo user with 50 receipts a month free, 20 vendor bills a month not offered (Free plan; paid tiers quote-based)
  • BILL Accounts Payable: a 10-person team not offered, a solo user with 50 receipts a month not offered, 20 vendor bills a month $141.80/mo (Team plan, 2 users + 20 ACH at $0.59)

Prices are the software subscription in USD per month on monthly billing (annual-only plans divided by 12) for each scenario. Company cards are usually free, so interchange, cashback, FX and card-payment fees are left out; per-payment ACH fees do count in the bill-pay scenario.

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Everything about Brex's own prices and price hikes: Brex.