Top 7 Brex alternatives in 2025 for flexible banking, spend management, and procurement

Is Brex right for you? Companies using Brex often start looking for alternatives over time because they need flexibility with business banking options and more powerful procurement capabilities. 

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There are several Brex alternatives out there to choose from, including:

1. Ramp
2. Navan (formerly TripActions)
3. Airbase
4. Center
5. Spendesk
6. SAP Concur
7. Expensify‍

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To compile this list, we looked at the G2 ratings of comparable corporate credit card providers and spend management platforms, and analyzed customer reviews. Combining our own research with this user feedback, we selected seven top Brex competitors.

1. Best overall Brex alternative: Ramp

Here at Ramp, we're admittedly a little biased about Ramp's ability to be your home for next-generation finance tools. From corporate cards and expense report management, to bill pay and accounting integrations, our platform delivers business savings month after month. 

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So, how is Ramp different from Brex?

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While both Brex and Ramp offer versatile financial solutions that simplify your finances and automate busy work, they cater to different needs. Ramp is ideal for businesses of all sizes and all stages —from SMEs and larger enterprises to boot straps and high-growth startups. Brex, meanwhile, is designed for venture-backed startups with annual revenue in the millions. 

‍Key Ramp features

• Unlimited physical and virtual cards for employees
• Single platform for data and workflows between payables, business travel, and accounting
• Companies who use Ramp save an average of 5% across all spending
• Procure-to-pay including vendor management, price intelligence, and negotiations
• Easy-to-use interface for finance teams and employees with reliable support
• Free bill pay, and scheduled payments with cards, ACH, checks, and wire transfers

Why businesses choose Ramp vs. Brex

More than 15,000 businesses have already saved a combined $600 million with Ramp’s savings insights, automation, and software price negotiations. Almost 90 percent of people who reviewed Ramp on G2 gave our solution a five-star rating. 

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Ramp provides:

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• Business banking connections on your terms. Ramp provides more than 80 bank connections to diversify your funds across multiple bank accounts. By ensuring you are not locked into one financial provider —like with Brex’s business bank accounts —you lower your risk exposure.
• Easier expense reports for all. Ramp provides an employee experience that enables people to complete expenses on time. Ramp’s receipt capture can auto-match transactions, auto-populate memo fields, and auto-generate receipts if missing.
• Insights into ‍bigger picture business spend. Brex’s sparse procurement capabilities have led some firms to pick Ramp for vendor management, savings intelligence, and procure-to-pay.

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» Learn more: A deep dive into Ramp vs. Brex

Ramp pricing

• Ramp helps you control spend, automate payments, and rapidly close your books—all for free. 
• Ramp Plus is $15 per person a month. It gives you more control and greater customization.

Ramp reviews and ratings

• G2: 4.8/5 (2,000+ reviews)
• Capterra: 4.9/5 (150+ reviews)

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2. Navan (formerly TripActions)

Navan is a travel and expense management solution, which allows professionals to book, view, and manage trips and expenses.

Key features

• Controls at the point of sale to stop out-of-policy spending
• Automated reconciliation to help finance teams track and monitor spend
• Virtual cards tied to each travel booking, removing the need for manual reconciliation
• Reimbursements for employees across 45 countries and 25 currencies

Why people choose Navan over competitor Brex

A reviewer on business review website G2 notes that Navan's interface is friendlier and easier to use than Brex's. Specifically, uploading receipts and writing descriptions for expenses are much easier.

Pricing

Navan is free for companies’ first 50 monthly active users, with a fee for live travel agent support. The company can provide custom quotes for companies that exceed those needs.

3. Airbase

Airbase offers procurement software to help companies manage requests, payment, and reconciliation. The software has features for key business processes and accounting needs, such as multi-subsidiaries, and purchase order (PO) matching. Airbase is rated 4.8 out of five on G2 and is classified as most suitable for mid-market companies.

Features

• Automatic audit trail with the ability to retrieve documentation for a booking or an audit
• Accounting automation covering categories, amortization, and payment dates
• Invoice processing and payment from a single dashboard
• Real-time reporting, with all spend activities captured as they occur
• Receipt management, with a dedicated email for submissions

Why people choose Airbase over Brex

A G2 reviewer mentioned his company replaced multiple systems (including Brex) with Airbase, improving their approval processes for POs, invoices, cards, and reimbursements.

Pricing

Airbase offers standard, premium, and enterprise quotes for firms with 200 to 5,000 employees.

4. Center

Center provides software for corporate card, travel, and employee expense management. Customers on G2 give Center a 4.6 out of five rating. 

Key features

• Reconciliation with approval workflows, custom fields, ERP integrations, and CSV export
• Adjustable limits for each corporate card and secure lock if the card is not in frequent use
• Real-time visibility, reporting, and auditing of managed and unmanaged spend
• Ability to make travel itinerary changes and 24/7 support

Why people choose Center over competitor Brex

Reviewers commend Center for its ease of use, user interface, and time-saving features. 

Pricing

Center’s pricing is not publicly available on its website.

5. Spendesk

9.3

Meets Requirements

9.3

9.5

Ease of Use

9.5

9.2

Ease of Setup

8.8

9.2

Ease of Admin

8.9

9.2

Quality of Support

9.1

9.2

Good Partner

9.1

8.8

Product Direction

8.6

Source: G2 ratings

Founded in Europe in 2016, Spendesk provides company cards and software to help companies manage expense approvals, budgets, and accounting automation. Customers give Spendesk a 4.7 out of five rating on G2.

Key features

• Real-time spending dashboard displaying online and offline transactions
• Team budgets, request tracking and approvals, and expense reimbursements
• Invoice automation and approval workflows for more control over the invoicing lifecycle
• Single-use virtual cards to reduce fraud risks for one-off purchases, plus dedicated virtual business cards for recurring costs.

Why people choose Spendesk over competitor Brex

One G2 reviewer complimented Spendesk for clearly showing which invoices were approved and for its clear approval records.

Pricing

Spendesk can provide custom quotes to companies of all sizes.

6. SAP Concur

9.3

Meets Requirements

8.7

9.5

Ease of Use

8.0

9.2

Ease of Setup

7.8

9.2

Ease of Admin

8.0

9.2

Quality of Support

8.0

9.2

Good Partner

8.0

8.8

Product Direction

7.1

Source: G2 ratings

While SAP Concur rates lower than Brex, it remains a popular choice for enterprise companies due to its integration with existing SAP systems and its comprehensive feature set for travel and expense management. However, it has the lowest rating on our list, scoring 4.0 out of 5 on G2.

Key SAP Concur features

• Automated fraud detection and compliance monitoring for all expense reports
• Real-time budget visibility and accurate expense reporting
• Streamlined accounts payable, from invoice capture to payment

Why businesses choose SAP Concur vs. Brex

As a legacy finance management tool, SAP Concur has a proven track record of being a trusted solution for expense management. It is a better fit than Brex for businesses already using SAP ERP systems or other SAP modules.

SAP Concur pricing

SAP Concur offers custom pricing plans that are not publicly available.

SAP Concur reviews and ratings

• G2: 4.0/5 (6,000+ reviews)
• Capterra: 4.3/5 (2,000+ reviews)

7. Expensify

9.3

Meets Requirements

9.3

9.5

Ease of Use

9.1

9.2

Ease of Setup

9.5

9.2

Ease of Admin

8.3

9.2

Quality of Support

8.9

9.2

Good Partner

8.4

8.8

Product Direction

8.4

Source: G2 ratings

Expensify is a comprehensive expense management platform offering corporate cards, expense tracking, invoicing, bill pay, and travel booking. Though it ranks lower on G2 compared to Brex, it excels in certain areas.

Key Expensify features

• Effortless expense submission with SmartScan receipt capture
• Automated expense categorization and account assignment
• Flexible reimbursement options
• Simplified credit card import and checking account integration

Why businesses choose Expensify vs. Brex

A G2 review praised the tool’s email uploading capabilities as a big upgrade from other, more tedious expense platforms and manual spreadsheet files. 

Expensify pricing

Ranges from from $0 per user per month to $36 per user per month, depending on your plan specifics and how you pay.

Expensify reviews and ratings

• G2: 4.5/5 (5,000+ reviews)
• Capterra: 4.4/5 (1,000+ reviews)

Brex alternatives for small businesses

On June 17, 2024, Brex announced that it would no longer serve small businesses, shifting its focus to “technology startups and larger companies.” As a result, small businesses using Brex must transfer all funds from their Brex Cash account to an external bank account or another cash account provider by August 15th. 

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This change is highly inconvenient and disruptive for the tens of thousands of small businesses that relied on Brex as their financial hub, forcing them to seek new financial partners. For Brex, this decision reflects a humbling acknowledgment that it could not effectively or sustainably serve the small business customers who helped it achieve unicorn status through their trust and early adoption.

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Choosing the right software for flexible banking, spend management, and procurement can make all the difference for a small business looking for a management solution for its finances and to streamline operations. 

Brex competitors with business bank accounts

One of the main reasons why companies use Brex is its built-in banking solutions, so you may be looking for alternatives that likewise offer checking and other business bank accounts. Your options include:

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• Mercury: Offers checking and savings accounts for tech startups that include FDIC insurance. The Mercury IO Mastercard also provides 1.5% cashback on certain categories of spending
• Novo: Provides business checking accounts, debit cards and FDIC insurance, plus cashback rewards through its business credit card
• Relay: A digital banking platform that offers checking and savings accounts with bill pay services, and The Relay Visa® Credit Card offers unlimited 1.5% cashback on all purchases

How to choose a platform for banking, procurement, and corporate cards

All of the Brex alternatives listed here could be a better fit for your business. Here are some key considerations to help guide your decision:

• Scalability: Choose software that can grow with your business. It should accommodate an increasing number of transactions, users, and data as your business expands.
• User-friendliness: The software should have an intuitive interface and organized, helpful training documentation. This helps reduce training time and increases productivity.
• Integration capabilities: Ensure that the software integrates seamlessly with your current systems, such as accounting software, payroll systems, and CRM tools to streamline data flow and reduce manual entry.
• Security and compliance: Verify that the software provides robust security features to protect sensitive financial data. Make sure it complies with relevant regulations and standards in your industry and has a reputation for being proactive about updating as regulations change.
• ‍Vendor reputation: Research the software vendor's reputation, including customer reviews, case studies, and industry recognition. Gartner and G2 are good places to research this.

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Discover Ramp's corporate card for modern finance

Learn more

So, what is the best Brex alternative?

Ramp offers a versatile and robust alternative to Brex for SMEs across industries. If modern finance operations—including intuitive employee experiences and powerful finance workflows—are essential to your business success, consider Ramp.

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We hope our research helps you find a better fit for expense reports and management, AP automation, and corporate credit cards.