Brex Alternatives 2026: 6 Free Options

Verdict:Brex already has a free tier. Essentials is $0 per user, capped at two entities (one global) and one local card program, and Premium adds multiple expense policies and live budgets at $12 per user per month. So the reason to leave is usually not price but fit: you want a bank account elsewhere, you are outgrowing the entity limit, or you do not want your cards and cash with the same vendor. Ramp is the closest comparison, with a $0 plan and unlimited cards, but its free tier restricts accounting sync to QuickBooks Online and Xero, so if you use another ledger you will find yourself in the Plus plan at $15 per user plus a platform fee. Mercury, Relay and Novo are banking-first: they cost little or nothing a month and suit companies that mostly need accounts and a card, though none of them replicates Brex's policy and budget layer. BILL Spend & Expense is another free route if you already pay bills there, with the caveat that credit lines are not guaranteed. Zoho Expense is the pick when you only need expense reports and already hold a card. The cost of switching is the cards themselves: reissuing them, updating subscriptions and reconnecting the accounting feed takes real time, so run the new card in parallel for a month before closing the old programme.

Tool	Price	Platforms	Best for	Tested
Ramp	Free (Free plan at $0 per user per month: unlimited virtual and physical cards; QuickBooks Online and Xero integrations only; chat support); paid from $15 per user/month (Plus, plus a platform fee by team size)	Web	Companies comparing the two closest card-and-spend products	Docs only
Mercury	Free (Mercury plan at $0 per month with no monthly fee); paid from $29.9 per month (Mercury Plus)	Web	Startups that mainly need a business bank account	Docs only
Relay	Free (Starter plan at $0 per month, 20 checking accounts per business; additional transaction fees apply); paid from $30 per month (Grow, discounted for a limited time)	Web	Businesses that split cash across several accounts	Docs only
Novo	Free (The home page describes a free business checking account; it lists no monthly fee or paid plan)	Web	Freelancers and tiny companies that need a free account	Docs only
BILL Spend & Expense	Free ($0 per user per month: corporate cards, budgets and expense tracking with no subscription or per-user software fee)	Web	Teams that also pay bills in BILL	Docs only
Zoho Expense	Free (Free plan: up to 3 users, 20 receipt scans per user per month, 5 GB receipt storage, email support); paid from $3 per user/month, billed annually (Standard)	Web	Teams that already have a card and need reports	Docs only
Bluevine	Free (Standard plan has no monthly fee; 1.3% APY needs $500 monthly debit spend or $2,500 monthly customer payments); paid from $30 per month (Plus, waivable)	Web	Business banking	Docs only

Brex today: Free (Essentials plan at $0 per user per month: up to two entities (one global entity) and one local card program); paid from $12 per user/month (Premium) (Brex pricing, checked 2026-10-22).

Why people look for Brex alternatives

Brex Essentials is $0 per user per month but limited to up to two entities (one global entity) and one local card program. Multiple expense policies, live budgets, multi-entity support across the US and abroad and customizable ERP and HRIS integrations need Premium at $12 per user per month; Enterprise and Smart Card are custom-priced. Business account and bill pay fees sit on a separate fee schedule, and the page states no eligibility criteria.

Ramp

Compared with Brex: Ramp's Free plan is $0 per user with unlimited cards but only QuickBooks Online and Xero integrations. Brex Essentials is also $0, with a two-entity cap; Ramp's paid Plus is $15 per user against Brex Premium at $12.

Price: Free (Free plan at $0 per user per month: unlimited virtual and physical cards; QuickBooks Online and Xero integrations only; chat support); paid from $15 per user/month (Plus, plus a platform fee by team size) (Ramp pricing, checked 2026-10-22).