Brex vs GoTyme.
Brex (B70/100) and GoTyme (G52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Brex leads GoTyme 5-1.
| B Brex №34 · FDIC 70 /100 | G GoTyme №65 · BSP 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. BSP |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded PH.PDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
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.
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
- Best for fees Brex won 1 of 4
- Best for protection Brex won 2 of 2
- Best for reach Brex won 1 of 3
- Best for ux GoTyme won 1 of 2
Brex vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than GoTyme?
Under our v3 methodology, Brex leads GoTyme 5–1 across 12 dimensions. Composite scores: Brex 70/100 vs GoTyme 52/100. Brex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Brex or GoTyme cheaper?
Monthly fee — Brex: €0; GoTyme: €0. Card FX markup — Brex: Interbank; GoTyme: 1.50%. 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, Brex or GoTyme?
Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Brex is the stronger pick on regulatory protection.
Where can I use Brex and GoTyme?
Brex operates in 1 country; GoTyme 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.