Brex vs Rydoo (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 7.1/10 for Rydoo on our Finance Software criteria. Its biggest advantage: higher Cost score (8/10 vs 6/10). For 10 users, Brex is free, against $120/mo for Rydoo; 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.
Rydoo
7.1/10
Rydoo is a Belgian travel and expense management platform with receipt scanning, mileage, per diems, approval workflows, company cards and an accounts payable module for European businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 7.1/10 |
| Scalability | 8/10 | 8/10 |
| Analytics | 6/10 | 6/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 8/10 | 7/10 |
| Security | 8/10 | 8/10 |
| Support | 6/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 7/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $12/user/mo Premium | $12/user/mo Essentials |
| Estimated cost for 10 users | Free Essentials | $120/mo Essentials |
| Features | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Tax Compliance | Not listed | |
Brex vs Rydoo cost by team size
Brex costs less from 5 users.
| Team size | Brex | Rydoo |
|---|---|---|
| 1 user | FreeEssentials | Contact for pricing |
| 5 users | FreeEssentials | $60/moEssentials |
| 10 users | FreeEssentials | $120/moEssentials |
| 25 users | FreeEssentials | $300/moEssentials |
| 50 users | FreeEssentials | $600/moEssentials |
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 Rydoo suit
Rydoo fits small business better than Brex.
| Audience | Brex | Rydoo |
|---|---|---|
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | 6/10Self-service plans start at 5 users, but the cheaper tiers lack cards and advanced features. |
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | 8/10Rydoo is used at Sodexo scale and offers SAML SSO, HR connectors and SAP and NetSuite connectors. |
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | 8/10Policy rules, approvals, card reconciliation and accounting exports automate expense control. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | 8/10The Business and Enterprise tiers start at 30 and 50 active users and add cards, an API and ERP connectors. |
| Field Teams | Not rated | 8/10The mobile receipt scanner, mileage tracking and per diems suit staff who travel. |
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | Not rated |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | Not rated |
Which One Should You Choose?
Why choose Brex
- Has a free plan (Rydoo does not)
- Lower estimated cost for 10 users: Free vs $120/mo
- Higher Cost score (8/10 vs 6/10)
- Higher Integration score (8/10 vs 7/10)
Why choose Rydoo
- Higher Compliance score (8/10 vs 7/10)
- Better fit for small business (6/10 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.
Rydoo
Pros
- The OCR receipt scanner, which reads receipts and fills in the expense fields, is the feature reviewers praise most often.
- Per diems and local tax rules for many countries help multinational travel programs.
- Business and Enterprise use fair billing, so customers pay only for active users.
- Security credentials include ISO 27001, SOC 2 Type 2 and PCI DSS, with data hosted on Azure in the EU.
- Ready-made connectors cover SAP, NetSuite, Dynamics 365 and Workday.
Cons
- Trustpilot and Capterra reviewers repeatedly complain about slow or unresponsive support.
- API access, cards and SSO are only on quoted tiers with a minimum of 30 or more users.
- Reviewers report that splitting expenses is awkward and filters are limited.
- Some users have reported integration failures, such as a Xero sync issue.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 7.1/10 for Rydoo. The largest gap is in Cost: 8/10 for Brex and 6/10 for Rydoo.
Brex costs less for 10 users: free on its Essentials plan, against about $120/mo on its Essentials plan for Rydoo, billed monthly.
Brex has a free plan; Rydoo does not list one.
Rydoo is the better fit for small business: we rate it 6/10 for them, against 4/10 for Brex.
