Plenty of companies have turned to Brex for modern spend & expense management tools, but is it right for you?
The platform promises better visibility, tighter controls, and more efficient processes—things every finance team is trying to improve. But over time, some start to weigh those benefits against the tradeoffs.
Adopting Brex means switching to a new corporate card and banking platform, which can disrupt existing workflows, reward programs, and trusted bank relationships. If your current setup is working and you’re just looking to make it smarter, that’s a tough trade to justify.
If you're exploring alternatives, there are several options to consider.
Here are five of the top Brex competitors for spend & expense management in 2025—and how they compare.
Best overall Brex alternative: Extend
Extend offers a flexible spend & expense management platform that works with your existing credit card and banking partner. That means you can keep the account you already have (and the rewards that come with it) while layering on powerful tools —like virtual cards, budgets, approval workflows, receipt automatch, and more— to control spending and manage expenses more efficiently.
With Extend, you can instantly create virtual cards from your existing credit card account, set budgets and spending limits, assign cards to team members or vendors, and track transactions in real time. And because everything lives in one easy web and mobile app, employees, managers, and finance teams stay in sync without the usual back-and-forth.
Brex, on the other hand, requires you to use its own corporate card and banking platform. They offer a bundled suite of financial tools primarily built for startups and fast-growing companies. According to Brex, they’re designed to provide an all-in-one solution, so you’ll have to part ways with your existing banking relationships and credit cards.
For some businesses, that makes sense. But if you’d rather build on what you already have than start from scratch, Extend gives you the flexibility, security, and control—without the extra lift.
Key Extend features
On-demand virtual cards: Instantly generate one-time, multi-use, or recurring virtual cards from your existing credit card account. Set spending limits and expiration dates, and load them into mobile wallets for fast, secure in-store payments.
Budgets & approvals: Allocate funds by team, project, or vendor and layer in approval workflows so spend is reviewed and approved before any money goes out the door.
Bill Pay: Generate secure virtual cards to pay vendor invoices while keeping every transaction visible and easy to reconcile.
Expense categories: Automatically categorize expenses for easier reporting and more accurate books.
Receipt management: Attach receipts and invoices to transactions, set receipt rules, and download statements with matching attachments. Employees can easily attach their receipts from anywhere with Extend’s AI-powered receipt auto-matching tool.
Expense reports & reimbursements: Build policy-compliant reports and track out-of-pocket employee expenses alongside card spend—so finance can approve and reconcile everything in one place.
Accounting integrations: Sync transactions with QuickBooks Online or NetSuite, or export via CSV for other systems or integrate with our API.
Web & Mobile App: Manage everything from one intuitive platform—whether you’re a finance manager at a desk or an employee on the go.
Extend pricing
Extend offers three pricing plans designed to accommodate businesses of varying sizes and needs:
Starter plan: Free for up to 5 users, this plan includes essential features such as virtual cards, budgets, receipt uploads, and a single expense category. It's ideal for small teams looking to manage expenses efficiently.
Pro plan: Priced at $8.99 per seat per month (billed annually, with a minimum of 10 seats), this plan offers advanced features, including unlimited guest users, two-layer approval workflows, auto-matching receipts, customizable rules, and QuickBooks Online two-way sync. It's tailored for growing businesses seeking more control and automation in their expense management.
Enterprise plan: Custom pricing is available for organizations requiring unlimited seats, dedicated account management, and custom implementation support. This plan is suited for larger enterprises with complex needs.
Best for:
1. Businesses that want to keep their existing bank and credit card Ideal for companies that prefer to stick with their trusted financial partners while layering on powerful spend and expense management tools.
2. Companies looking to eliminate card sharing, overcharges, and fraud Great for teams that need to issue virtual cards to vendors and employees or for one-off purchases without compromising control or security.
3. Teams that need to manage client billing and expense reconciliation A strong fit for agencies, law firms, video production teams, and interior designers that need to track client expenses and recover costs with accuracy.
4. Organizations with distributed teams or multiple business locations Perfect for franchises, clinics, or regional offices that need to monitor spending by location and keep budgets on track.
5. Finance teams that want real-time visibility and control Best for companies that need to see spending as it happens and enforce policies with built-in card controls, receipt capture, and approval flows.
Why people choose Extend over Brex
Customers say Extend lets them keep trusted banking relationships intact while modernizing how they manage spend and track expenses. They highlight its ease of use, tighter controls, and time savings from automating both spend & expense management processes. See what else customers have to say on G2.
Ramp
Ramp is an all-in-one financial operations platform that offers corporate cards, expense management, bill payments, and accounting automation. They claim to serve a range of businesses, from startups to larger organizations, and support payments in multiple currencies across international markets.
Key features
Physical and virtual cards for employees and vendors
Data and workflows between payables, business travel, and accounting
Procurement request and approval workflows
Bill payment tools, including ACH, checks, and wire transfers
Automated receipt matching and expense categorization
Real-time reporting and insights on company spending
Mobile and desktop access for card management and approvals
Pricing
Ramp offers three pricing tiers:
Free plan: Includes basic expense management features, corporate cards, auto-receipt matching, and basic approval workflows.
Plus plan: $15 per user per month, plus a platform fee based on team size. Adds features like custom travel policies, procurement tools, multi-entity support, and accounting integrations.
Enterprise plan: Custom pricing with annual billing. Includes all Plus Plan features, along with direct ERP integrations, advanced role customization, and support for local currency reimbursements.
Best for:
1. Businesses willing to switch away from existing bank and card relationships
Ramp issues its own cards, so it’s a better fit for companies that don’t rely heavily on their current banking rewards or partnerships and don’t mind starting from scratch with a new provider.
2. Organizations focused on automating overly complex financial operations
Ramp’s higher-tier plans support procurement management, multi-entity accounting, and direct ERP integrations.
3. Companies with international operations and payment needs
Ramp supports payments in multiple currencies and can be used across international markets.
Why people choose Ramp over Brex
A reviewer on G2 shared that Ramp’s customer support is more responsive and significantly better than Brex’s. Other users highlighted Ramp’s cleaner, more intuitive interface, too.
Airbase
Airbase is a procure-to-pay platform that provides accounts payable automation, expense management, corporate cards, and procurement solutions. It is designed to support more complex purchasing workflows and is primarily used by mid-market and larger companies looking to centralize non-payroll spend.
Key features
Virtual and physical corporate cards
Guided procurement workflows for purchase requests
Invoice ingestion with OCR and multi-way matching
ACH, check, wire, and virtual card payment support
Real-time expense approvals and receipt policy enforcement
Multi-subsidiary and multi-currency support
Vendor management and onboarding tools
Mobile app for approvals and expense tracking
Pricing
Airbase does not publicly disclose its pricing, but here’s what each tier includes:
Standard plan: Designed for companies with up to approximately 200 employees. This plan includes core modules such as guided procurement, accounts payable (AP) automation, corporate cards, expense management, and accounting automation.
Premium plan: Aimed at businesses with up to 500 employees, this plan builds on the Standard Plan by adding advanced integrations and more sophisticated workflows.
Enterprise plan: Tailored for organizations with up to 10,000 employees, this plan includes all available features and offers broader configuration options for complex financial operations.
Best for:
1. Mid-sized to large businesses with complex purchasing workflows Airbase is built to handle multi-step procurement and approval processes.
2. Organizations that require multi-entity and multi-currency support Useful for businesses operating across multiple subsidiaries or regions.
3. Companies willing to replace existing financial systems and tools Businesses that don’t mind switching from tools like Bill.com, Expensify, or traditional financial providers and credit card companies.
Why people choose Airbase over Brex
Some customers on G2 mention that Airbase is more user-friendly and easier to navigate than Brex. Others noted they were able to consolidate multiple tools, like Bill.com, Expensify, and Brex, into a single platform.
AirWallex
Airwallex is a payments and financial platform that provides tools for business accounts, payments, treasury, spend management, and embedded finance. It claims to support companies with international operations by helping them manage cross-border transactions and financial workflows.
Key features
Multi-currency business accounts to receive, hold, and manage funds
International payments to 150+ countries using local banking networks
Virtual and physical corporate cards with multi-currency support and spend controls
Expense tracking and approval workflows for employee purchases
Domestic and international bill payment tool
Currency exchange with access to interbank rates and FX management tools
Developer APIs for embedding financial services, issuing cards, and automating payments
Pricing
Airwallex offers four pricing tiers, with monthly fees and features varying by plan.
Explore plan: $29/mo or free if you deposit at least $5,000 monthly or maintain a $10,000 balance. Includes global accounts, FX transfers, multi-currency corporate cards, and basic payment acceptance.
Grow plan: $99/month. Adds expense management, bill pay, automated data extraction, and multi-layer approval workflows.
Accelerate plan: $499/month. Includes all Grow features plus multi-entity management, NetSuite integration, and dedicated account support.
Custom plan: Tailored for high-volume businesses or those needing custom API and embedded finance solutions. Pricing is determined based on specific requirements.
Additional fees include $15/month for each active spend user beyond the included limits.
Best for:
1. Businesses with international payment needs Airwallex supports multi-currency accounts and global transfers, making it a fit for companies that operate across borders.
2. Companies focused on consolidating global financial operations The platform combines business accounts, payments, spend management, and FX tools in one place.
3. Teams comfortable adopting a new financial platform Airwallex requires moving to its ecosystem for account and card management, which may suit businesses not tied to an existing bank or card provider.
Why people choose AirWallex over Brex
While we couldn’t find direct comparisons between Airwallex and Brex on G2, some users highlighted Airwallex as a strong option for managing international payments—an area where others noted Brex could improve. Reviewers also described the platform as easy to use and well-suited for global business needs.
Wallester
Wallester is a financial institution and official Visa partner. It offers digital financial solutions across the EEA and UK, including branded card issuance, embedded finance capabilities, and a business platform for managing corporate expenses.
Key features
Virtual and physical Visa cards with spending limits and transaction monitoring
White-label capabilities for companies that want to launch branded payment cards
Multiple card types, including credit, debit, prepaid, and virtual cards
Expense tracking features and the ability to connect with accounting systems
API access for card issuance and basic financial service integration
Mobile app for basic card and expense management
Pricing
Wallester Business is free to use unless you need more than 300 virtual cards. Additional cards are available at the following rates, depending on volume:
Premium plan: includes 3,000 virtual cards at ~€0.066 per month per card, with additional virtual cards at €0.20/month per card.
Platinum plan: includes 18,000 virtual cards at ~€0.055 per month per card with additional virtual cards at €0.10/month per card.
Custom plan: For businesses with unique needs, custom pricing is available upon request.
Best for:
1. Businesses operating in the EEA or the UK that want to issue branded Visa cards Wallester supports white-label card issuance and is a licensed Visa Principal Member, allowing companies to create branded programs backed by the Visa network.
2. Companies needing a high volume of virtual cards Wallester’s plans are designed for businesses that require thousands of cards, with pricing that scales and includes unlimited physical cards.
3. Organizations looking for a standalone platform not tied to an existing bank Wallester provides its own infrastructure for expense management, making it a fit for teams open to managing spend outside of their traditional banking relationships.
Why people choose Wallester over Brex
There are no direct comparisons between Wallester and Brex on G2 either, but users reviewing Wallester mention that the platform is easy to use and intuitive. Some also highlight positive experiences with the technical support team and describe it as a good option for managing expenses.
High-level comparison table
So, what is the best Brex alternative?
There’s no one-size-fits-all answer—every business has different priorities, goals, and internal systems. As you evaluate your options, consider what’s working well today, what’s creating friction, and what kind of flexibility you might need as your business grows.
If you’re an SMB looking to modernize spend and expense management without starting over, Extend is a strong choice. Unlike other providers, instead of forcing you to replace your current bank or card provider (and all the perks that come with them), Extend lets you work with what you already have—giving you access to instant virtual cards, built-in controls, real-time visibility, expense management tools, and more, all on top of your existing credit card.
It’s a faster, less disruptive way to take control of company spend and simplify expense processes.
Plenty of companies have turned to Brex for modern spend & expense management tools, but is it right for you?
The platform promises better visibility, tighter controls, and more efficient processes—things every finance team is trying to improve. But over time, some start to weigh those benefits against the tradeoffs.
Adopting Brex means switching to a new corporate card and banking platform, which can disrupt existing workflows, reward programs, and trusted bank relationships. If your current setup is working and you’re just looking to make it smarter, that’s a tough trade to justify.
If you're exploring alternatives, there are several options to consider.
Here are five of the top Brex competitors for spend & expense management in 2025—and how they compare.
Best overall Brex alternative: Extend
Extend offers a flexible spend & expense management platform that works with your existing credit card and banking partner. That means you can keep the account you already have (and the rewards that come with it) while layering on powerful tools —like virtual cards, budgets, approval workflows, receipt automatch, and more— to control spending and manage expenses more efficiently.
With Extend, you can instantly create virtual cards from your existing credit card account, set budgets and spending limits, assign cards to team members or vendors, and track transactions in real time. And because everything lives in one easy web and mobile app, employees, managers, and finance teams stay in sync without the usual back-and-forth.
Brex, on the other hand, requires you to use its own corporate card and banking platform. They offer a bundled suite of financial tools primarily built for startups and fast-growing companies. According to Brex, they’re designed to provide an all-in-one solution, so you’ll have to part ways with your existing banking relationships and credit cards.
For some businesses, that makes sense. But if you’d rather build on what you already have than start from scratch, Extend gives you the flexibility, security, and control—without the extra lift.
Key Extend features
On-demand virtual cards: Instantly generate one-time, multi-use, or recurring virtual cards from your existing credit card account. Set spending limits and expiration dates, and load them into mobile wallets for fast, secure in-store payments.
Budgets & approvals: Allocate funds by team, project, or vendor and layer in approval workflows so spend is reviewed and approved before any money goes out the door.
Bill Pay: Generate secure virtual cards to pay vendor invoices while keeping every transaction visible and easy to reconcile.
Expense categories: Automatically categorize expenses for easier reporting and more accurate books.
Receipt management: Attach receipts and invoices to transactions, set receipt rules, and download statements with matching attachments. Employees can easily attach their receipts from anywhere with Extend’s AI-powered receipt auto-matching tool.
Expense reports & reimbursements: Build policy-compliant reports and track out-of-pocket employee expenses alongside card spend—so finance can approve and reconcile everything in one place.
Accounting integrations: Sync transactions with QuickBooks Online or NetSuite, or export via CSV for other systems or integrate with our API.
Web & Mobile App: Manage everything from one intuitive platform—whether you’re a finance manager at a desk or an employee on the go.
Extend pricing
Extend offers three pricing plans designed to accommodate businesses of varying sizes and needs:
Starter plan: Free for up to 5 users, this plan includes essential features such as virtual cards, budgets, receipt uploads, and a single expense category. It's ideal for small teams looking to manage expenses efficiently.
Pro plan: Priced at $8.99 per seat per month (billed annually, with a minimum of 10 seats), this plan offers advanced features, including unlimited guest users, two-layer approval workflows, auto-matching receipts, customizable rules, and QuickBooks Online two-way sync. It's tailored for growing businesses seeking more control and automation in their expense management.
Enterprise plan: Custom pricing is available for organizations requiring unlimited seats, dedicated account management, and custom implementation support. This plan is suited for larger enterprises with complex needs.
Best for:
1. Businesses that want to keep their existing bank and credit card Ideal for companies that prefer to stick with their trusted financial partners while layering on powerful spend and expense management tools.
2. Companies looking to eliminate card sharing, overcharges, and fraud Great for teams that need to issue virtual cards to vendors and employees or for one-off purchases without compromising control or security.
3. Teams that need to manage client billing and expense reconciliation A strong fit for agencies, law firms, video production teams, and interior designers that need to track client expenses and recover costs with accuracy.
4. Organizations with distributed teams or multiple business locations Perfect for franchises, clinics, or regional offices that need to monitor spending by location and keep budgets on track.
5. Finance teams that want real-time visibility and control Best for companies that need to see spending as it happens and enforce policies with built-in card controls, receipt capture, and approval flows.
Why people choose Extend over Brex
Customers say Extend lets them keep trusted banking relationships intact while modernizing how they manage spend and track expenses. They highlight its ease of use, tighter controls, and time savings from automating both spend & expense management processes. See what else customers have to say on G2.
Ramp
Ramp is an all-in-one financial operations platform that offers corporate cards, expense management, bill payments, and accounting automation. They claim to serve a range of businesses, from startups to larger organizations, and support payments in multiple currencies across international markets.
Key features
Physical and virtual cards for employees and vendors
Data and workflows between payables, business travel, and accounting
Procurement request and approval workflows
Bill payment tools, including ACH, checks, and wire transfers
Automated receipt matching and expense categorization
Real-time reporting and insights on company spending
Mobile and desktop access for card management and approvals
Pricing
Ramp offers three pricing tiers:
Free plan: Includes basic expense management features, corporate cards, auto-receipt matching, and basic approval workflows.
Plus plan: $15 per user per month, plus a platform fee based on team size. Adds features like custom travel policies, procurement tools, multi-entity support, and accounting integrations.
Enterprise plan: Custom pricing with annual billing. Includes all Plus Plan features, along with direct ERP integrations, advanced role customization, and support for local currency reimbursements.
Best for:
1. Businesses willing to switch away from existing bank and card relationships
Ramp issues its own cards, so it’s a better fit for companies that don’t rely heavily on their current banking rewards or partnerships and don’t mind starting from scratch with a new provider.
2. Organizations focused on automating overly complex financial operations
Ramp’s higher-tier plans support procurement management, multi-entity accounting, and direct ERP integrations.
3. Companies with international operations and payment needs
Ramp supports payments in multiple currencies and can be used across international markets.
Why people choose Ramp over Brex
A reviewer on G2 shared that Ramp’s customer support is more responsive and significantly better than Brex’s. Other users highlighted Ramp’s cleaner, more intuitive interface, too.
Airbase
Airbase is a procure-to-pay platform that provides accounts payable automation, expense management, corporate cards, and procurement solutions. It is designed to support more complex purchasing workflows and is primarily used by mid-market and larger companies looking to centralize non-payroll spend.
Key features
Virtual and physical corporate cards
Guided procurement workflows for purchase requests
Invoice ingestion with OCR and multi-way matching
ACH, check, wire, and virtual card payment support
Real-time expense approvals and receipt policy enforcement
Multi-subsidiary and multi-currency support
Vendor management and onboarding tools
Mobile app for approvals and expense tracking
Pricing
Airbase does not publicly disclose its pricing, but here’s what each tier includes:
Standard plan: Designed for companies with up to approximately 200 employees. This plan includes core modules such as guided procurement, accounts payable (AP) automation, corporate cards, expense management, and accounting automation.
Premium plan: Aimed at businesses with up to 500 employees, this plan builds on the Standard Plan by adding advanced integrations and more sophisticated workflows.
Enterprise plan: Tailored for organizations with up to 10,000 employees, this plan includes all available features and offers broader configuration options for complex financial operations.
Best for:
1. Mid-sized to large businesses with complex purchasing workflows Airbase is built to handle multi-step procurement and approval processes.
2. Organizations that require multi-entity and multi-currency support Useful for businesses operating across multiple subsidiaries or regions.
3. Companies willing to replace existing financial systems and tools Businesses that don’t mind switching from tools like Bill.com, Expensify, or traditional financial providers and credit card companies.
Why people choose Airbase over Brex
Some customers on G2 mention that Airbase is more user-friendly and easier to navigate than Brex. Others noted they were able to consolidate multiple tools, like Bill.com, Expensify, and Brex, into a single platform.
AirWallex
Airwallex is a payments and financial platform that provides tools for business accounts, payments, treasury, spend management, and embedded finance. It claims to support companies with international operations by helping them manage cross-border transactions and financial workflows.
Key features
Multi-currency business accounts to receive, hold, and manage funds
International payments to 150+ countries using local banking networks
Virtual and physical corporate cards with multi-currency support and spend controls
Expense tracking and approval workflows for employee purchases
Domestic and international bill payment tool
Currency exchange with access to interbank rates and FX management tools
Developer APIs for embedding financial services, issuing cards, and automating payments
Pricing
Airwallex offers four pricing tiers, with monthly fees and features varying by plan.
Explore plan: $29/mo or free if you deposit at least $5,000 monthly or maintain a $10,000 balance. Includes global accounts, FX transfers, multi-currency corporate cards, and basic payment acceptance.
Grow plan: $99/month. Adds expense management, bill pay, automated data extraction, and multi-layer approval workflows.
Accelerate plan: $499/month. Includes all Grow features plus multi-entity management, NetSuite integration, and dedicated account support.
Custom plan: Tailored for high-volume businesses or those needing custom API and embedded finance solutions. Pricing is determined based on specific requirements.
Additional fees include $15/month for each active spend user beyond the included limits.
Best for:
1. Businesses with international payment needs Airwallex supports multi-currency accounts and global transfers, making it a fit for companies that operate across borders.
2. Companies focused on consolidating global financial operations The platform combines business accounts, payments, spend management, and FX tools in one place.
3. Teams comfortable adopting a new financial platform Airwallex requires moving to its ecosystem for account and card management, which may suit businesses not tied to an existing bank or card provider.
Why people choose AirWallex over Brex
While we couldn’t find direct comparisons between Airwallex and Brex on G2, some users highlighted Airwallex as a strong option for managing international payments—an area where others noted Brex could improve. Reviewers also described the platform as easy to use and well-suited for global business needs.
Wallester
Wallester is a financial institution and official Visa partner. It offers digital financial solutions across the EEA and UK, including branded card issuance, embedded finance capabilities, and a business platform for managing corporate expenses.
Key features
Virtual and physical Visa cards with spending limits and transaction monitoring
White-label capabilities for companies that want to launch branded payment cards
Multiple card types, including credit, debit, prepaid, and virtual cards
Expense tracking features and the ability to connect with accounting systems
API access for card issuance and basic financial service integration
Mobile app for basic card and expense management
Pricing
Wallester Business is free to use unless you need more than 300 virtual cards. Additional cards are available at the following rates, depending on volume:
Premium plan: includes 3,000 virtual cards at ~€0.066 per month per card, with additional virtual cards at €0.20/month per card.
Platinum plan: includes 18,000 virtual cards at ~€0.055 per month per card with additional virtual cards at €0.10/month per card.
Custom plan: For businesses with unique needs, custom pricing is available upon request.
Best for:
1. Businesses operating in the EEA or the UK that want to issue branded Visa cards Wallester supports white-label card issuance and is a licensed Visa Principal Member, allowing companies to create branded programs backed by the Visa network.
2. Companies needing a high volume of virtual cards Wallester’s plans are designed for businesses that require thousands of cards, with pricing that scales and includes unlimited physical cards.
3. Organizations looking for a standalone platform not tied to an existing bank Wallester provides its own infrastructure for expense management, making it a fit for teams open to managing spend outside of their traditional banking relationships.
Why people choose Wallester over Brex
There are no direct comparisons between Wallester and Brex on G2 either, but users reviewing Wallester mention that the platform is easy to use and intuitive. Some also highlight positive experiences with the technical support team and describe it as a good option for managing expenses.
High-level comparison table
So, what is the best Brex alternative?
There’s no one-size-fits-all answer—every business has different priorities, goals, and internal systems. As you evaluate your options, consider what’s working well today, what’s creating friction, and what kind of flexibility you might need as your business grows.
If you’re an SMB looking to modernize spend and expense management without starting over, Extend is a strong choice. Unlike other providers, instead of forcing you to replace your current bank or card provider (and all the perks that come with them), Extend lets you work with what you already have—giving you access to instant virtual cards, built-in controls, real-time visibility, expense management tools, and more, all on top of your existing credit card.
It’s a faster, less disruptive way to take control of company spend and simplify expense processes.
Plenty of companies have turned to Brex for modern spend & expense management tools, but is it right for you?
The platform promises better visibility, tighter controls, and more efficient processes—things every finance team is trying to improve. But over time, some start to weigh those benefits against the tradeoffs.
Adopting Brex means switching to a new corporate card and banking platform, which can disrupt existing workflows, reward programs, and trusted bank relationships. If your current setup is working and you’re just looking to make it smarter, that’s a tough trade to justify.
If you're exploring alternatives, there are several options to consider.
Here are five of the top Brex competitors for spend & expense management in 2025—and how they compare.
Best overall Brex alternative: Extend
Extend offers a flexible spend & expense management platform that works with your existing credit card and banking partner. That means you can keep the account you already have (and the rewards that come with it) while layering on powerful tools —like virtual cards, budgets, approval workflows, receipt automatch, and more— to control spending and manage expenses more efficiently.
With Extend, you can instantly create virtual cards from your existing credit card account, set budgets and spending limits, assign cards to team members or vendors, and track transactions in real time. And because everything lives in one easy web and mobile app, employees, managers, and finance teams stay in sync without the usual back-and-forth.
Brex, on the other hand, requires you to use its own corporate card and banking platform. They offer a bundled suite of financial tools primarily built for startups and fast-growing companies. According to Brex, they’re designed to provide an all-in-one solution, so you’ll have to part ways with your existing banking relationships and credit cards.
For some businesses, that makes sense. But if you’d rather build on what you already have than start from scratch, Extend gives you the flexibility, security, and control—without the extra lift.
Key Extend features
On-demand virtual cards: Instantly generate one-time, multi-use, or recurring virtual cards from your existing credit card account. Set spending limits and expiration dates, and load them into mobile wallets for fast, secure in-store payments.
Budgets & approvals: Allocate funds by team, project, or vendor and layer in approval workflows so spend is reviewed and approved before any money goes out the door.
Bill Pay: Generate secure virtual cards to pay vendor invoices while keeping every transaction visible and easy to reconcile.
Expense categories: Automatically categorize expenses for easier reporting and more accurate books.
Receipt management: Attach receipts and invoices to transactions, set receipt rules, and download statements with matching attachments. Employees can easily attach their receipts from anywhere with Extend’s AI-powered receipt auto-matching tool.
Expense reports & reimbursements: Build policy-compliant reports and track out-of-pocket employee expenses alongside card spend—so finance can approve and reconcile everything in one place.
Accounting integrations: Sync transactions with QuickBooks Online or NetSuite, or export via CSV for other systems or integrate with our API.
Web & Mobile App: Manage everything from one intuitive platform—whether you’re a finance manager at a desk or an employee on the go.
Extend pricing
Extend offers three pricing plans designed to accommodate businesses of varying sizes and needs:
Starter plan: Free for up to 5 users, this plan includes essential features such as virtual cards, budgets, receipt uploads, and a single expense category. It's ideal for small teams looking to manage expenses efficiently.
Pro plan: Priced at $8.99 per seat per month (billed annually, with a minimum of 10 seats), this plan offers advanced features, including unlimited guest users, two-layer approval workflows, auto-matching receipts, customizable rules, and QuickBooks Online two-way sync. It's tailored for growing businesses seeking more control and automation in their expense management.
Enterprise plan: Custom pricing is available for organizations requiring unlimited seats, dedicated account management, and custom implementation support. This plan is suited for larger enterprises with complex needs.
Best for:
1. Businesses that want to keep their existing bank and credit card Ideal for companies that prefer to stick with their trusted financial partners while layering on powerful spend and expense management tools.
2. Companies looking to eliminate card sharing, overcharges, and fraud Great for teams that need to issue virtual cards to vendors and employees or for one-off purchases without compromising control or security.
3. Teams that need to manage client billing and expense reconciliation A strong fit for agencies, law firms, video production teams, and interior designers that need to track client expenses and recover costs with accuracy.
4. Organizations with distributed teams or multiple business locations Perfect for franchises, clinics, or regional offices that need to monitor spending by location and keep budgets on track.
5. Finance teams that want real-time visibility and control Best for companies that need to see spending as it happens and enforce policies with built-in card controls, receipt capture, and approval flows.
Why people choose Extend over Brex
Customers say Extend lets them keep trusted banking relationships intact while modernizing how they manage spend and track expenses. They highlight its ease of use, tighter controls, and time savings from automating both spend & expense management processes. See what else customers have to say on G2.
Ramp
Ramp is an all-in-one financial operations platform that offers corporate cards, expense management, bill payments, and accounting automation. They claim to serve a range of businesses, from startups to larger organizations, and support payments in multiple currencies across international markets.
Key features
Physical and virtual cards for employees and vendors
Data and workflows between payables, business travel, and accounting
Procurement request and approval workflows
Bill payment tools, including ACH, checks, and wire transfers
Automated receipt matching and expense categorization
Real-time reporting and insights on company spending
Mobile and desktop access for card management and approvals
Pricing
Ramp offers three pricing tiers:
Free plan: Includes basic expense management features, corporate cards, auto-receipt matching, and basic approval workflows.
Plus plan: $15 per user per month, plus a platform fee based on team size. Adds features like custom travel policies, procurement tools, multi-entity support, and accounting integrations.
Enterprise plan: Custom pricing with annual billing. Includes all Plus Plan features, along with direct ERP integrations, advanced role customization, and support for local currency reimbursements.
Best for:
1. Businesses willing to switch away from existing bank and card relationships
Ramp issues its own cards, so it’s a better fit for companies that don’t rely heavily on their current banking rewards or partnerships and don’t mind starting from scratch with a new provider.
2. Organizations focused on automating overly complex financial operations
Ramp’s higher-tier plans support procurement management, multi-entity accounting, and direct ERP integrations.
3. Companies with international operations and payment needs
Ramp supports payments in multiple currencies and can be used across international markets.
Why people choose Ramp over Brex
A reviewer on G2 shared that Ramp’s customer support is more responsive and significantly better than Brex’s. Other users highlighted Ramp’s cleaner, more intuitive interface, too.
Airbase
Airbase is a procure-to-pay platform that provides accounts payable automation, expense management, corporate cards, and procurement solutions. It is designed to support more complex purchasing workflows and is primarily used by mid-market and larger companies looking to centralize non-payroll spend.
Key features
Virtual and physical corporate cards
Guided procurement workflows for purchase requests
Invoice ingestion with OCR and multi-way matching
ACH, check, wire, and virtual card payment support
Real-time expense approvals and receipt policy enforcement
Multi-subsidiary and multi-currency support
Vendor management and onboarding tools
Mobile app for approvals and expense tracking
Pricing
Airbase does not publicly disclose its pricing, but here’s what each tier includes:
Standard plan: Designed for companies with up to approximately 200 employees. This plan includes core modules such as guided procurement, accounts payable (AP) automation, corporate cards, expense management, and accounting automation.
Premium plan: Aimed at businesses with up to 500 employees, this plan builds on the Standard Plan by adding advanced integrations and more sophisticated workflows.
Enterprise plan: Tailored for organizations with up to 10,000 employees, this plan includes all available features and offers broader configuration options for complex financial operations.
Best for:
1. Mid-sized to large businesses with complex purchasing workflows Airbase is built to handle multi-step procurement and approval processes.
2. Organizations that require multi-entity and multi-currency support Useful for businesses operating across multiple subsidiaries or regions.
3. Companies willing to replace existing financial systems and tools Businesses that don’t mind switching from tools like Bill.com, Expensify, or traditional financial providers and credit card companies.
Why people choose Airbase over Brex
Some customers on G2 mention that Airbase is more user-friendly and easier to navigate than Brex. Others noted they were able to consolidate multiple tools, like Bill.com, Expensify, and Brex, into a single platform.
AirWallex
Airwallex is a payments and financial platform that provides tools for business accounts, payments, treasury, spend management, and embedded finance. It claims to support companies with international operations by helping them manage cross-border transactions and financial workflows.
Key features
Multi-currency business accounts to receive, hold, and manage funds
International payments to 150+ countries using local banking networks
Virtual and physical corporate cards with multi-currency support and spend controls
Expense tracking and approval workflows for employee purchases
Domestic and international bill payment tool
Currency exchange with access to interbank rates and FX management tools
Developer APIs for embedding financial services, issuing cards, and automating payments
Pricing
Airwallex offers four pricing tiers, with monthly fees and features varying by plan.
Explore plan: $29/mo or free if you deposit at least $5,000 monthly or maintain a $10,000 balance. Includes global accounts, FX transfers, multi-currency corporate cards, and basic payment acceptance.
Grow plan: $99/month. Adds expense management, bill pay, automated data extraction, and multi-layer approval workflows.
Accelerate plan: $499/month. Includes all Grow features plus multi-entity management, NetSuite integration, and dedicated account support.
Custom plan: Tailored for high-volume businesses or those needing custom API and embedded finance solutions. Pricing is determined based on specific requirements.
Additional fees include $15/month for each active spend user beyond the included limits.
Best for:
1. Businesses with international payment needs Airwallex supports multi-currency accounts and global transfers, making it a fit for companies that operate across borders.
2. Companies focused on consolidating global financial operations The platform combines business accounts, payments, spend management, and FX tools in one place.
3. Teams comfortable adopting a new financial platform Airwallex requires moving to its ecosystem for account and card management, which may suit businesses not tied to an existing bank or card provider.
Why people choose AirWallex over Brex
While we couldn’t find direct comparisons between Airwallex and Brex on G2, some users highlighted Airwallex as a strong option for managing international payments—an area where others noted Brex could improve. Reviewers also described the platform as easy to use and well-suited for global business needs.
Wallester
Wallester is a financial institution and official Visa partner. It offers digital financial solutions across the EEA and UK, including branded card issuance, embedded finance capabilities, and a business platform for managing corporate expenses.
Key features
Virtual and physical Visa cards with spending limits and transaction monitoring
White-label capabilities for companies that want to launch branded payment cards
Multiple card types, including credit, debit, prepaid, and virtual cards
Expense tracking features and the ability to connect with accounting systems
API access for card issuance and basic financial service integration
Mobile app for basic card and expense management
Pricing
Wallester Business is free to use unless you need more than 300 virtual cards. Additional cards are available at the following rates, depending on volume:
Premium plan: includes 3,000 virtual cards at ~€0.066 per month per card, with additional virtual cards at €0.20/month per card.
Platinum plan: includes 18,000 virtual cards at ~€0.055 per month per card with additional virtual cards at €0.10/month per card.
Custom plan: For businesses with unique needs, custom pricing is available upon request.
Best for:
1. Businesses operating in the EEA or the UK that want to issue branded Visa cards Wallester supports white-label card issuance and is a licensed Visa Principal Member, allowing companies to create branded programs backed by the Visa network.
2. Companies needing a high volume of virtual cards Wallester’s plans are designed for businesses that require thousands of cards, with pricing that scales and includes unlimited physical cards.
3. Organizations looking for a standalone platform not tied to an existing bank Wallester provides its own infrastructure for expense management, making it a fit for teams open to managing spend outside of their traditional banking relationships.
Why people choose Wallester over Brex
There are no direct comparisons between Wallester and Brex on G2 either, but users reviewing Wallester mention that the platform is easy to use and intuitive. Some also highlight positive experiences with the technical support team and describe it as a good option for managing expenses.
High-level comparison table
So, what is the best Brex alternative?
There’s no one-size-fits-all answer—every business has different priorities, goals, and internal systems. As you evaluate your options, consider what’s working well today, what’s creating friction, and what kind of flexibility you might need as your business grows.
If you’re an SMB looking to modernize spend and expense management without starting over, Extend is a strong choice. Unlike other providers, instead of forcing you to replace your current bank or card provider (and all the perks that come with them), Extend lets you work with what you already have—giving you access to instant virtual cards, built-in controls, real-time visibility, expense management tools, and more, all on top of your existing credit card.
It’s a faster, less disruptive way to take control of company spend and simplify expense processes.
Plenty of companies have turned to Brex for modern spend & expense management tools, but is it right for you?
The platform promises better visibility, tighter controls, and more efficient processes—things every finance team is trying to improve. But over time, some start to weigh those benefits against the tradeoffs.
Adopting Brex means switching to a new corporate card and banking platform, which can disrupt existing workflows, reward programs, and trusted bank relationships. If your current setup is working and you’re just looking to make it smarter, that’s a tough trade to justify.
If you're exploring alternatives, there are several options to consider.
Here are five of the top Brex competitors for spend & expense management in 2025—and how they compare.
Best overall Brex alternative: Extend
Extend offers a flexible spend & expense management platform that works with your existing credit card and banking partner. That means you can keep the account you already have (and the rewards that come with it) while layering on powerful tools —like virtual cards, budgets, approval workflows, receipt automatch, and more— to control spending and manage expenses more efficiently.
With Extend, you can instantly create virtual cards from your existing credit card account, set budgets and spending limits, assign cards to team members or vendors, and track transactions in real time. And because everything lives in one easy web and mobile app, employees, managers, and finance teams stay in sync without the usual back-and-forth.
Brex, on the other hand, requires you to use its own corporate card and banking platform. They offer a bundled suite of financial tools primarily built for startups and fast-growing companies. According to Brex, they’re designed to provide an all-in-one solution, so you’ll have to part ways with your existing banking relationships and credit cards.
For some businesses, that makes sense. But if you’d rather build on what you already have than start from scratch, Extend gives you the flexibility, security, and control—without the extra lift.
Key Extend features
On-demand virtual cards: Instantly generate one-time, multi-use, or recurring virtual cards from your existing credit card account. Set spending limits and expiration dates, and load them into mobile wallets for fast, secure in-store payments.
Budgets & approvals: Allocate funds by team, project, or vendor and layer in approval workflows so spend is reviewed and approved before any money goes out the door.
Bill Pay: Generate secure virtual cards to pay vendor invoices while keeping every transaction visible and easy to reconcile.
Expense categories: Automatically categorize expenses for easier reporting and more accurate books.
Receipt management: Attach receipts and invoices to transactions, set receipt rules, and download statements with matching attachments. Employees can easily attach their receipts from anywhere with Extend’s AI-powered receipt auto-matching tool.
Expense reports & reimbursements: Build policy-compliant reports and track out-of-pocket employee expenses alongside card spend—so finance can approve and reconcile everything in one place.
Accounting integrations: Sync transactions with QuickBooks Online or NetSuite, or export via CSV for other systems or integrate with our API.
Web & Mobile App: Manage everything from one intuitive platform—whether you’re a finance manager at a desk or an employee on the go.
Extend pricing
Extend offers three pricing plans designed to accommodate businesses of varying sizes and needs:
Starter plan: Free for up to 5 users, this plan includes essential features such as virtual cards, budgets, receipt uploads, and a single expense category. It's ideal for small teams looking to manage expenses efficiently.
Pro plan: Priced at $8.99 per seat per month (billed annually, with a minimum of 10 seats), this plan offers advanced features, including unlimited guest users, two-layer approval workflows, auto-matching receipts, customizable rules, and QuickBooks Online two-way sync. It's tailored for growing businesses seeking more control and automation in their expense management.
Enterprise plan: Custom pricing is available for organizations requiring unlimited seats, dedicated account management, and custom implementation support. This plan is suited for larger enterprises with complex needs.
Best for:
1. Businesses that want to keep their existing bank and credit card Ideal for companies that prefer to stick with their trusted financial partners while layering on powerful spend and expense management tools.
2. Companies looking to eliminate card sharing, overcharges, and fraud Great for teams that need to issue virtual cards to vendors and employees or for one-off purchases without compromising control or security.
3. Teams that need to manage client billing and expense reconciliation A strong fit for agencies, law firms, video production teams, and interior designers that need to track client expenses and recover costs with accuracy.
4. Organizations with distributed teams or multiple business locations Perfect for franchises, clinics, or regional offices that need to monitor spending by location and keep budgets on track.
5. Finance teams that want real-time visibility and control Best for companies that need to see spending as it happens and enforce policies with built-in card controls, receipt capture, and approval flows.
Why people choose Extend over Brex
Customers say Extend lets them keep trusted banking relationships intact while modernizing how they manage spend and track expenses. They highlight its ease of use, tighter controls, and time savings from automating both spend & expense management processes. See what else customers have to say on G2.
Ramp
Ramp is an all-in-one financial operations platform that offers corporate cards, expense management, bill payments, and accounting automation. They claim to serve a range of businesses, from startups to larger organizations, and support payments in multiple currencies across international markets.
Key features
Physical and virtual cards for employees and vendors
Data and workflows between payables, business travel, and accounting
Procurement request and approval workflows
Bill payment tools, including ACH, checks, and wire transfers
Automated receipt matching and expense categorization
Real-time reporting and insights on company spending
Mobile and desktop access for card management and approvals
Pricing
Ramp offers three pricing tiers:
Free plan: Includes basic expense management features, corporate cards, auto-receipt matching, and basic approval workflows.
Plus plan: $15 per user per month, plus a platform fee based on team size. Adds features like custom travel policies, procurement tools, multi-entity support, and accounting integrations.
Enterprise plan: Custom pricing with annual billing. Includes all Plus Plan features, along with direct ERP integrations, advanced role customization, and support for local currency reimbursements.
Best for:
1. Businesses willing to switch away from existing bank and card relationships
Ramp issues its own cards, so it’s a better fit for companies that don’t rely heavily on their current banking rewards or partnerships and don’t mind starting from scratch with a new provider.
2. Organizations focused on automating overly complex financial operations
Ramp’s higher-tier plans support procurement management, multi-entity accounting, and direct ERP integrations.
3. Companies with international operations and payment needs
Ramp supports payments in multiple currencies and can be used across international markets.
Why people choose Ramp over Brex
A reviewer on G2 shared that Ramp’s customer support is more responsive and significantly better than Brex’s. Other users highlighted Ramp’s cleaner, more intuitive interface, too.
Airbase
Airbase is a procure-to-pay platform that provides accounts payable automation, expense management, corporate cards, and procurement solutions. It is designed to support more complex purchasing workflows and is primarily used by mid-market and larger companies looking to centralize non-payroll spend.
Key features
Virtual and physical corporate cards
Guided procurement workflows for purchase requests
Invoice ingestion with OCR and multi-way matching
ACH, check, wire, and virtual card payment support
Real-time expense approvals and receipt policy enforcement
Multi-subsidiary and multi-currency support
Vendor management and onboarding tools
Mobile app for approvals and expense tracking
Pricing
Airbase does not publicly disclose its pricing, but here’s what each tier includes:
Standard plan: Designed for companies with up to approximately 200 employees. This plan includes core modules such as guided procurement, accounts payable (AP) automation, corporate cards, expense management, and accounting automation.
Premium plan: Aimed at businesses with up to 500 employees, this plan builds on the Standard Plan by adding advanced integrations and more sophisticated workflows.
Enterprise plan: Tailored for organizations with up to 10,000 employees, this plan includes all available features and offers broader configuration options for complex financial operations.
Best for:
1. Mid-sized to large businesses with complex purchasing workflows Airbase is built to handle multi-step procurement and approval processes.
2. Organizations that require multi-entity and multi-currency support Useful for businesses operating across multiple subsidiaries or regions.
3. Companies willing to replace existing financial systems and tools Businesses that don’t mind switching from tools like Bill.com, Expensify, or traditional financial providers and credit card companies.
Why people choose Airbase over Brex
Some customers on G2 mention that Airbase is more user-friendly and easier to navigate than Brex. Others noted they were able to consolidate multiple tools, like Bill.com, Expensify, and Brex, into a single platform.
AirWallex
Airwallex is a payments and financial platform that provides tools for business accounts, payments, treasury, spend management, and embedded finance. It claims to support companies with international operations by helping them manage cross-border transactions and financial workflows.
Key features
Multi-currency business accounts to receive, hold, and manage funds
International payments to 150+ countries using local banking networks
Virtual and physical corporate cards with multi-currency support and spend controls
Expense tracking and approval workflows for employee purchases
Domestic and international bill payment tool
Currency exchange with access to interbank rates and FX management tools
Developer APIs for embedding financial services, issuing cards, and automating payments
Pricing
Airwallex offers four pricing tiers, with monthly fees and features varying by plan.
Explore plan: $29/mo or free if you deposit at least $5,000 monthly or maintain a $10,000 balance. Includes global accounts, FX transfers, multi-currency corporate cards, and basic payment acceptance.
Grow plan: $99/month. Adds expense management, bill pay, automated data extraction, and multi-layer approval workflows.
Accelerate plan: $499/month. Includes all Grow features plus multi-entity management, NetSuite integration, and dedicated account support.
Custom plan: Tailored for high-volume businesses or those needing custom API and embedded finance solutions. Pricing is determined based on specific requirements.
Additional fees include $15/month for each active spend user beyond the included limits.
Best for:
1. Businesses with international payment needs Airwallex supports multi-currency accounts and global transfers, making it a fit for companies that operate across borders.
2. Companies focused on consolidating global financial operations The platform combines business accounts, payments, spend management, and FX tools in one place.
3. Teams comfortable adopting a new financial platform Airwallex requires moving to its ecosystem for account and card management, which may suit businesses not tied to an existing bank or card provider.
Why people choose AirWallex over Brex
While we couldn’t find direct comparisons between Airwallex and Brex on G2, some users highlighted Airwallex as a strong option for managing international payments—an area where others noted Brex could improve. Reviewers also described the platform as easy to use and well-suited for global business needs.
Wallester
Wallester is a financial institution and official Visa partner. It offers digital financial solutions across the EEA and UK, including branded card issuance, embedded finance capabilities, and a business platform for managing corporate expenses.
Key features
Virtual and physical Visa cards with spending limits and transaction monitoring
White-label capabilities for companies that want to launch branded payment cards
Multiple card types, including credit, debit, prepaid, and virtual cards
Expense tracking features and the ability to connect with accounting systems
API access for card issuance and basic financial service integration
Mobile app for basic card and expense management
Pricing
Wallester Business is free to use unless you need more than 300 virtual cards. Additional cards are available at the following rates, depending on volume:
Premium plan: includes 3,000 virtual cards at ~€0.066 per month per card, with additional virtual cards at €0.20/month per card.
Platinum plan: includes 18,000 virtual cards at ~€0.055 per month per card with additional virtual cards at €0.10/month per card.
Custom plan: For businesses with unique needs, custom pricing is available upon request.
Best for:
1. Businesses operating in the EEA or the UK that want to issue branded Visa cards Wallester supports white-label card issuance and is a licensed Visa Principal Member, allowing companies to create branded programs backed by the Visa network.
2. Companies needing a high volume of virtual cards Wallester’s plans are designed for businesses that require thousands of cards, with pricing that scales and includes unlimited physical cards.
3. Organizations looking for a standalone platform not tied to an existing bank Wallester provides its own infrastructure for expense management, making it a fit for teams open to managing spend outside of their traditional banking relationships.
Why people choose Wallester over Brex
There are no direct comparisons between Wallester and Brex on G2 either, but users reviewing Wallester mention that the platform is easy to use and intuitive. Some also highlight positive experiences with the technical support team and describe it as a good option for managing expenses.
High-level comparison table
So, what is the best Brex alternative?
There’s no one-size-fits-all answer—every business has different priorities, goals, and internal systems. As you evaluate your options, consider what’s working well today, what’s creating friction, and what kind of flexibility you might need as your business grows.
If you’re an SMB looking to modernize spend and expense management without starting over, Extend is a strong choice. Unlike other providers, instead of forcing you to replace your current bank or card provider (and all the perks that come with them), Extend lets you work with what you already have—giving you access to instant virtual cards, built-in controls, real-time visibility, expense management tools, and more, all on top of your existing credit card.
It’s a faster, less disruptive way to take control of company spend and simplify expense processes.
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