Brex vs Fortnox (2026): Pricing, Features & Verdict

Why choose Brex

• Has a free plan (Fortnox does not)
• Higher Scalability score (8/10 vs 6/10)
• Higher Security score (8/10 vs 6/10)
• Better fit for enterprise (7/10 vs 3/10)

Why choose Fortnox

• Higher Support score (7/10 vs 6/10)
• Better fit for small business (9/10 vs 4/10)
• Includes General Ledger, which Brex lacks

Brex

Pros

• The Essentials tier is free and includes cards, bill pay, reimbursements, travel booking, API access and accounting integrations.
• Card limits are underwritten on cash balance and revenue rather than a founder's personal guarantee, which helps startups without a credit history.
• Direct ERP syncs cover NetSuite, QuickBooks Online, Xero, Sage Intacct, Business Central and newer AI-native ERPs such as Rillet and Campfire, and a two-way Accounting API launched in January 2026.
• Brex holds SOC 1 Type II and SOC 2 Type II attestations, is PCI-DSS compliant and supports SAML or OIDC single sign-on.
• Brex releases updates often. The September 2026 release alone added more than 30 features, including passkeys, p-card policy rules and access to Brex data from ChatGPT, Claude and Slack.
• Pricing is published at 12 USD per user per month for Premium, and G2 reviewers rate the product highly, at about 4.8 out of 5.

Cons

• Brex has a history of abrupt account closures and eligibility changes, and it left the small-business market in 2022.
• Credit limits move with the company's cash balance, which some reviewers find unpredictable.
• Card purchases that need currency conversion carry an FX markup of up to 3 percent, built into the exchange rate.
• It is not a general ledger. Bookkeeping and financial statements still need a separate ERP or accounting system.
• Some support and setup experiences are poor, including a clunky HRIS integration setup reported on Gartner Peer Insights.
• The Capital One acquisition could slow feature shipping during integration, according to industry commentary.

Fortnox

Pros

• More than 500 integrations, and one 189 kr licence covers all of them.
• A single platform covers bookkeeping, invoicing, payroll, supplier invoice approval, payments and a company card, which suits Swedish SMEs.
• Accounting firms get a dedicated bureau package for working in their clients' books.
• New companies get six months free, and every new subscription has a 30-day open purchase period.
• Trustpilot and Shopify app reviewers frequently praise customer service and sync reliability.

Cons

• Usage fees for invoices, paid employees and interpretations, plus an Access fee that scales with activity, make total cost hard to predict.
• Three-month agreements cost 15 percent more than the 12-month list prices.
• The product is Swedish-focused, and users have asked for an English interface.
• Some users call the reporting tools dated and say neobank integrations such as Revolut are missing.