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.
| Brex pricing | Relay pricing | |
|---|---|---|
| Starts at | $12/mo | $30/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | per-seat | flat-rate |
Price is one row. To weigh the features too, use our feature comparison template →
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
- 1.19% APY on savings accounts
- 1% cash back* on credit cards
- 20 checking accounts
- Built-in spend controls
- Receipt upload reminders
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
Grow
Popular- 1.87% APY on savings accounts
- 1.25% cash back* on credit cards
- Multi-step approval rules
- Recurring invoices
- Bookkeeping automations
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
Scale
- 3.21% APY on savings accounts
- 1.5% cash back* on credit cards
- 50 checking accounts per business
- No fee for same-day ACH
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
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: Free-to-start puts Brex in the same low-friction bucket as Ramp, aiming squarely at startups and growth-stage companies rather than enterprises with entrenched Concur or SAP contracts. The $12/seat Premium tier is cheap enough to not be a blocker, suggesting Brex makes its real money on card spend and float, not software fees. Relay: Sits in the budget-to-mid range of the fintech banking space, undercutting traditional business banking add-ons and neobank competitors that charge more for similar automation — the free plan is clearly bait to get people in the door before upselling.
Still deciding? See the best Brex alternatives or the best Relay alternatives, ranked with verified pricing.
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