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Brex
Empowering Business Finances Effortlessly
4.7
(1,155)
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Brex Reviews & Product Details

Brex Overview
What is Brex?

Brex is a financial services platform built especially for startups and small businesses. The software allows users access to expense management tools and even the use of corporate credit card and rewards programs so businesses can manage finances more efficiently and save money through rewards and discounts on business expenses.

Company Brex Inc.
Year founded 2017
Company size 501-1000 employees
Headquarters San Francisco, California, USA
Social Media
Brex Categories on Findstack
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What Brex is best for?
How does Brex compare to Zoho Expense?
What are the pros and cons of Brex?
Brex Product Details
Capabilities
API
Segment
Small Business
Mid Market
Enterprise
Deployment Cloud / SaaS / Web-Based, Mobile Android, Mobile iPad, Mobile iPhone
Training Documentation
Languages English
Brex Features
Approval Workflow
Audit Trail
Automated Expense Categorization
Budget Tracking
Corporate Card Reconciliation
Credit Card Integration
Custom Reporting
Customizable Rules
Dashboards & Analytics
Data Export
Duplicate Detection
Expense Reporting
Fraud Detection
Integration with Accounting Software
Mileage Tracking
Mobile Access
Multi-Currency Support
Multi-language Support
OCR Technology
Per Diem Management
Policy Compliance
Real-time Notifications
Receipt Scanning
Reimbursement Management
Role-Based Permissions
Tax Compliance
Third-party Integrations
Time Tracking
Travel Expense Management
User Management
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Our research is curated from diverse authoritative sources and meant to offer general advice. We don’t guarantee that our suggestions will work best for each use-case, so consider your unique needs when choosing products and services. Feel free to share your feedback.
Last updated: November 04, 2024
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1,155 Brex Reviews
4.7 out of 5
Small Business (50 or fewer emp.)
Jul 20, 2021
 Source
Overall Rating:
2.5
AG
Verified Reviewer
Founder
Share
"Brex1"
What do you like best about Brex?

I liked te flexibility of the corporate cards.

What do you dislike about Brex?

They were too slow to update transactions.

What problems is Brex solving and how is that benefiting you?

To pay back my negative balance.

Mid Market (51-1000 emp.)
Apr 26, 2023
 Source
Overall Rating:
2.0
AG
Verified Reviewer
Founder
Share
"This seems to be a little more cumbersome than the last expensing platform"
What do you like best about Brex?

I like the app and being able to write memos in Slack to close out open expenses.

What do you dislike about Brex?

Having to sync to my checking account was not something that I liked. I also thought that expenses would be reimbursed in a few days, but they still seems to be on the paycheck schedule

What problems is Brex solving and how is that benefiting you?

I think Brex is taking a step forward than the last platform. The app and Slack integrations make it easier, but the receipt reader doesn't work, and having to click budgets and reasons can be confusing.

Small Business (50 or fewer emp.)
Mar 03, 2019
 Source
Overall Rating:
2.0
AG
Verified Reviewer
Founder
Share
"First impressions are that I will never use this card"
What do you like best about Brex?

Attractive rewards, although the best ones are only for new accounts.

What do you dislike about Brex?

Signup process was partially broken, there is no information on the size of my credit line, no support line, QuickBooks integration is substandard, and their privacy policy says they can share my personal information with any of their partners.

What problems is Brex solving and how is that benefiting you?

None

Enterprise (> 1000 emp.)
Oct 12, 2023
 Source
Overall Rating:
1.5
AG
Verified Reviewer
Founder
Share
"fraud block"
What do you like best about Brex?

receipts automatically included and credit card expenses automatically added

What do you dislike about Brex?

fraud block is hard to unblock; i wasn't able to unblock by calling bc i didn't have phone number set up; this caused a ton of problems during an offsite for the whole team

What problems is Brex solving and how is that benefiting you?

filing expenses

Small Business (50 or fewer emp.)
Jan 21, 2021
 Source
Overall Rating:
1.5
AG
Verified Reviewer
Founder
Share
"Brex is not what is used to be before covid-19! Don't use them as your main credit card."
What do you like best about Brex?

The fact that they were able to provide high card limits based on revenue with 60 days rolling payments. But since covid-19 their limits are way lower and unstable. they constantly change their limits and policies with no warnings and they don't offer the 60-day rolling product they used too.

What do you dislike about Brex?

The fact that they constantly change their limits and policies. You can have Brex as a backup but not as your main credit card. Unfortunately, covid-19 had a big effect on their policies no matter if your company was hit or not, they reduced limits. I am not saying don't use them but just consider other options like SVB. Also, don't count on them. use them as a backup credit card.

What problems is Brex solving and how is that benefiting you?

Cashflow

Small Business (50 or fewer emp.)
Jul 19, 2023
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Brex has extremely dishonorable business practices"
What do you like best about Brex?

I used to be able to recommend Brex due to their generous rewards points, modern interface, and online support.

What do you dislike about Brex?

I'm not able to recommend Brex anymore due to their extremely shady business practices. For example, several months ago Brex devalued their cashback points with ZERO notice to customers. We only found out when redeeming points a couple months later. What used to be a 1-1 conversion was devalued to 1-0.6 conversion - with ZERO notice to users. We could've switched cards to maximize our points, or cashed out early, but clearly Brex has no interest in serving their customer's interests, only their own. Another example, Brex's corporate card is touted as having no foreign transaction fees. This is a lie. The truth is they mark up the conversion, such that the Foreign Exchange rate has a mark-up of 3%. This is the same as Chase and other banks, only that Chase has the decency to tell you. I'm not sure why it isn't illegal to omit this on their website or other info. There are other beefs - such as a recent change to their website UI that is entirely non-intuitive, and bank transfers taking up to two weeks to process - but these are the main ones. I cannot recommend Brex anymore. In short: 1. Devalue cashback points with zero warning or notification 2. FX markup of 3%, while touting no foreign transaction fees 3. Slow bank transfers, poor UI changes

What problems is Brex solving and how is that benefiting you?

Brex is one of our banking providers.

Small Business (50 or fewer emp.)
Sep 04, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Terrible experience for small biz owners"
What do you like best about Brex?

The only thing we liked was the PROMISES they made to be a credit solution for growing businesses. It turns out, Brex was unable to deliver on that promise anyway, so frankly... not a lot.

What do you dislike about Brex?

Brex informed us after about a year of using their card that there were closing all of the smaller accounts in the STRANGEST harsh and quickly written email I've ever seen. There were no options s for us whatsoever, just the email saying all small accts are closing.

What problems is Brex solving and how is that benefiting you?

None and it's not.

Small Business (50 or fewer emp.)
Aug 31, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Terrible Customer Service/Response from Brex"
What do you like best about Brex?

Liked the idea of a flexible credit line based on cash on hand.

What do you dislike about Brex?

Customer Service is lacking and is non-responsive

What problems is Brex solving and how is that benefiting you?

Flexible line of credit based on cash balance on hand.

Small Business (50 or fewer emp.)
Aug 17, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Extremely buggy app, nice branding though"
What do you like best about Brex?

The branding is cool, the points are great, the credit card just works, easy to get additional cards, the approval process is quick, the concierge is great during the signup process. Interest rate is competitive.

What do you dislike about Brex?

I have never used a buggier app. Their web app is barely functional. Dashboards routinely don't load. 2FA gets disabled and requires a new 2FA key (this is a HUGE security flaw). Overall I do not feel confident keeping $1m+ in this account.

What problems is Brex solving and how is that benefiting you?

They help with banking for startups. This means receiving VC investments, access to credit cards, managing different cards for different vendors and internal team members.

Small Business (50 or fewer emp.)
Aug 16, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Very problematic when closing my account."
What do you like best about Brex?

It was easy initially to setup. Useful when living overseas

What do you dislike about Brex?

They shutdown my account for being a low value transaction account

What problems is Brex solving and how is that benefiting you?

I run an eCommerce business and can realize cash back rewards on my card transactions. This works well for me because I pay my vendors by card always.

Small Business (50 or fewer emp.)
Jun 23, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Poor customer service and closed our account with little notice"
What do you like best about Brex?

There's not much to like about Brex. Customer service is barely responsive. They don't offer the "white glove" service they claim. Not sure why anyone would bother using this not-a-bank bank account for your business.

What do you dislike about Brex?

We got short notice that they no longer wanted us as a customer. We've never had any issues - no overdrafts, no low balances, etc. A week after they sent notice they were closing our account, they decided to follow up with more detail: we had to be venture backed. Which we are. But any bank that would close business bank accounts on short notice isn't worth trusting.

What problems is Brex solving and how is that benefiting you?

None.

Small Business (50 or fewer emp.)
Jun 17, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Made me question letting an unregulated organization handle our money"
What do you like best about Brex?

The platform is actually great. That's not the problem at all.

What do you dislike about Brex?

We got an email from Brex basically saying "we're closing your account in 2 months good luck." No other explanation. No recourse. We've barely started using Brex. We've spent the last 3-4 months building processes around it and are slowly transferring our payments, payroll, etc over to the account. We're literally in the middle of that process after having changed probably 100 recurring transactions, trained our team, written processes. There's no explanation of why they're closing our account. Their FAQ that the email refers to also offers no information but says there's no recourse. The decision is final. As of today their website still states "no minimum balance" and I don't see any indication of minimum turnover or anything. For all the downsides of a regular bank account, in my entire time dealing with regular banks I've never had one say "we're closing your account good luck" the decision is final. I've never even heard of that happening. It makes me seriously question letting an organization that is not regulated as a bank handle a large amount of our money if, on a whim they just close huge numbers of accounts without any explanation, recourse, ability to appeal, etc. You think they'll care about your money if they get into financial trouble?

What problems is Brex solving and how is that benefiting you?

None

Small Business (50 or fewer emp.)
Jun 16, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Closes accounts en masse with no reason or notice given"
What do you like best about Brex?

I loved how they wasted our time. Thank you!

What do you dislike about Brex?

Closed our active business account without warning. We've been in business 15 years, we employee 30+ people, we have never had a negative payment, we always have cash in our account, we use it almost daily. No explanation just 'withdraw your funds and leave' We do website development for huge companies and have no strange activity that would contribute to this, and the decision is final. We have a few months to uproot everything and switch to a new account, update all our ACH info etc, connected accounts, etc.

What problems is Brex solving and how is that benefiting you?

They are not solving any of our problems and I wish they had never accepted our initial account **which would have been fine!** But if you get into a relationship with us and we meet our contractual obligations and you kick us off because we're not taking debt from you or whatever the reason was that we weren't profitable enough, GFY

Small Business (50 or fewer emp.)
Apr 15, 2022
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"DO NOT TRUST BREX FOR YOUR BUSINESS. Closed our account and froze funds with zero warning."
What do you like best about Brex?

Easy sign up and software works nice when you're small. BUT DO NOT USE THIS COMPANY. Brex is horribly managed and will cause catastrophic cashflow problems once your business gets big.

What do you dislike about Brex?

After 2+ years of running a large online business using Brex, they inexplicably closed our account (with zero notice) and froze our funds. Zero explaination, just an unhelpful automated email saying our account has been closed and the decision is final. Login disabled, funds frozen. The support team doesn't help and doesn't follow up when they say they will. This company is managed horribly on all fronts and does not care about their customers. As any business owner knows, getting your funds frozen and having all your customer payments suddenly bounce is catastrophic for an online business with daily expenses and daily revenues. Also, we had thousands of dollars in rewards points they decided to keep for themselves and not pay out. At any time, Brex's automated systems may do this to you and your business. We run a normal honest business, there is no justification for closing our account and breaking the cashflow lifeblood of our business with zero notice. DO NOT TRUST THIS COMPANY WITH YOUR MONEY. DO NOT RELY ON THEM. Brex will cause catastrophic problems for your business.

What problems is Brex solving and how is that benefiting you?

Brex is useless. See above. DO NOT TRUST THEM. This company will freeze your funds and steal your money. Brex is a horribly managed scam company with incompetent employees.

Small Business (50 or fewer emp.)
Dec 09, 2020
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Very Bad Experience, Company was caught lying"
What do you like best about Brex?

At first it was easy to sign up and all seemed good.

What do you dislike about Brex?

They dynamically change your credit limit without notice and withdraw funds from your account and then fail payments. The limit changes daily and they say it is the algorithm, but it has to be terribly flawed to have such massive fluctuations. The unauthorized withdrawals done without notice make it hard to manage cash flow, defeating the purpose of a NET 30 card. You can be fine one day, then your limit is cut by 80% and they reject your recurring payments and then raise it 25% 2 days later after you switched all your payments. Just very unreliable and customer service gives you a different story every time.

What problems is Brex solving and how is that benefiting you?

We had planned on using it instead of getting an AmEx to put all our monthly recurring payments on and then just make a single payment to Brex once a month. Needless to say it did not work out.