Brex vs. Wise Business

Last verified 32 days ago · 16 sources · Updated automatically

Brex and Wise Business compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.

Brex

AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.

Founded2017

HQ San Francisco, CA

Visit Brex Full profile

Wise Business

Multi-currency business account with debit and expense cards, built around low-cost FX for international payments.

Founded2011

HQ London, United Kingdom

Visit Wise Business Full profile

Attribute

Brex

Wise Business

Company facts

Headquarters

San Francisco, CA

London, United Kingdom

Employees

1.1k

5.5k 5,499 employees (2024)

Pricing

Starting Monthly Price (USD)

$0 Essentials plan, free

$0 No monthly software fee; one-time ~$31 account set-up fee

Paid Tier Price (USD/user/mo)

$12 Premium plan

—

Card & limits

Card Type

charge card Paid in full, no interest

debit Multi-currency debit card funded by the Wise account balance

Card Network

Mastercard World Elite Mastercard

Visa

No Personal Guarantee

Yes

Balance-funded debit card; no personal guarantee or credit check

Limit Basis

cash balance & revenue

account balance Spend limited to available deposited balance; admins set per-card limits

Virtual Cards

Yes

Create digital cards instantly to separate expense types

No Foreign Transaction Fees

Yes

No foreign transaction fees on card spend; mid-market rate, no FX markup

Rewards & cash back

Rewards Model

tiered points Up to 7x points by category

none No cash-back or points rewards program

Spend management

Receipt Capture & Matching

Yes

—

Approval Workflows & Policies

Yes

Per-card spend limits and freeze controls only; no multi-step approval routing

Employee Reimbursements

Yes

—

Bill Pay / AP

Yes

Pay vendor bills/invoices; BatchTransfer sends up to 1,000 payments from a spreadsheet

Security & compliance

SOC 2

SOC 2 Type II

SOC 2 Type II (also SOC 1 Type 2, PCI DSS, ISO 27001)

SSO (SAML)

Advanced SSO on Premium+

—

SCIM Provisioning

Via Microsoft Entra & Okta

—

Platform & integrations

Accounting / ERP Sync

QuickBooks, Xero, NetSuite, Sage Intacct

Native sync to QuickBooks, Xero, NetSuite, Sage, FreeAgent, Zoho Books and more

Public API

Public REST API

Public Wise API: payments automation, conversions, balances; card issuing via Wise Platform

The verdict

Brex

Best for spend controls, rewards, and SSO governance

Brex is the charge card with the deeper spend stack: multi-step approval workflows, receipt capture, employee reimbursements, plus SAML SSO and SCIM provisioning Wise's listing lacks. Limits draw on cash balance and revenue, and it earns tiered points up to 7x by category. A $12 Premium tier adds advanced SSO.

Full profile

Wise Business

Best for balance-funded, multi-currency spending

Wise is a balance-funded Visa debit card: spend is capped to your deposited balance, so there's no charge-card repayment cycle and no points program. It carries no monthly software fee and FX runs at the mid-market rate with no markup. Controls are lighter, though, per-card limits and freezes only, with no multi-step approval routing.

Full profile

Sources · 16 verified references

en.wikipedia.org brex.com wise.com developer.brex.com

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