Brex vs Revolut Business (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 6.4/10 for Revolut Business on our Finance Software criteria. Its biggest advantage: higher Support score (6/10 vs 4/10). Only Brex has a free plan.
Last updated: November 2026
Brex
7.5/10
Brex is a corporate card, expense management, bill pay and business banking platform for startups, mid-sized companies and global enterprises, and is now owned by Capital One.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 6.4/10 |
| Scalability | 8/10 | 7/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 8/10 | 7/10 |
| Security | 8/10 | 7/10 |
| Support | 6/10 | 4/10 |
| Cost | 8/10 | 6/10 |
| Customization | 7/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $12/user/mo Premium | £10/mo Basic |
| Estimated cost for 10 users | Free Essentials | £10/mo Basic |
| Features | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| General Ledger | ||
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
Brex vs Revolut Business cost by team size
| Team size | Brex | Revolut Business |
|---|---|---|
| 1 user | FreeEssentials | £10/moBasic |
| 5 users | FreeEssentials | £10/moBasic |
| 10 users | FreeEssentials | £10/moBasic |
| 25 users | FreeEssentials | £10/moBasic |
| 50 users | FreeEssentials | £10/moBasic |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Brex and Revolut Business suit
Revolut Business fits small business better than Brex.
| Audience | Brex | Revolut Business |
|---|---|---|
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | 7/10Prices start at 10 pounds a month, but the Basic plan's allowances are small and it charges extra for international transfers. |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | 8/10Setup is quick, there is API access, and cards and FX suit young companies that work internationally. |
| E-commerce | Not rated | 7/10It accepts online payments and has Shopify plugins and multi-currency accounts. |
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | Not rated |
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | Not rated |
| Freelancers | Not rated | 4/10There is no free business plan, it is unclear whether sole traders are eligible, and the separate Revolut Pro is aimed at them instead. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | Not rated |
| Remote Teams | Not rated | 7/10Each team member can have virtual cards, and payments can go to more than 150 countries. |
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | Not rated |
Which One Should You Choose?
Why choose Brex
- Has a free plan (Revolut Business does not)
- Higher Support score (6/10 vs 4/10)
- Higher Cost score (8/10 vs 6/10)
Why choose Revolut Business
- Better fit for small business (7/10 vs 4/10)
Pros & Cons
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.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 6.4/10 for Revolut Business. The largest gap is in Cost: 8/10 for Brex and 6/10 for Revolut Business.
Brex has a free plan; Revolut Business does not list one.
Revolut Business is the better fit for small business: we rate it 7/10 for them, against 4/10 for Brex.
