Brex vs Relay Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
Starter
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
- 1.11% APY on savings accounts
- 1% cash back* on credit cards
- 20 checking accounts
- Built-in spend controls
- Receipt upload reminders
Grow
Popular- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
- 1.75% APY on savings accounts
- 1.25% cash back* on credit cards
- Multi-step approval rules
- Recurring invoices
- Bookkeeping automations
Scale
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
- 3.00% APY on savings accounts
- 1.5% cash back* on credit cards
- 50 checking accounts per business
- 10 free same-day ACH per month
Brex vs Relay FAQ
- Which one is cheaper?
- Brex starts lower at $12/mo, compared to $30/mo for Relay.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Brex uses per-seat pricing, while Relay goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Brex: Brex undercuts on sticker price compared to Ramp and Airbase, especially with a genuinely free tier, but the $12/seat Premium plan signals they're not trying to win on being the budget option forever. This is a land-grab strategy — get startups in free, then monetize as they scale and become harder to rip out. Relay: Sits in the mid-market range for fintech-banking hybrids — not free-forever like a basic business checking account, but far cheaper than enterprise treasury platforms. They're clearly courting startups and SMBs who've outgrown a plain bank account but aren't ready for enterprise financial ops software.
Still deciding? See the best Brex alternatives or the best Relay alternatives, ranked with verified pricing.
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