Bluevine vs Brex.
Bluevine (B70/100) and Brex (B70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Bluevine №35 · FDIC 70 /100 | B Brex №34 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 10k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.6 · And 4.4 |
| Read review → | Read review → | |
Pick Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
Pick Brex if…
SMB-business neobank built around corporate cards + spend management. Brex Cash uses partner-bank sweep (Choice Financial + Lead Bank + Citi) for FDIC pass-through up to $6M+. Y Combinator alumni; ~$12B valuation. The default for VC-backed US startups.
- Best for fees Brex won 1 of 4
- Best for protection Tied
- Best for reach Brex won 1 of 3
- Best for ux Bluevine won 2 of 2
Bluevine vs Brex — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than Brex?
Bluevine and Brex are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: Bluevine 70/100 vs Brex 70/100. The right pick depends on which dimension you weight most heavily.
Is Bluevine or Brex cheaper?
Monthly fee — Bluevine: €0; Brex: €0. Card FX markup — Bluevine: 2.00%; Brex: Interbank. Brex wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bluevine or Brex?
Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Bluevine and Brex?
Bluevine operates in 1 country; Brex operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.