Brex vs RappiPay.
Brex (B70/100) and RappiPay (R50/100), 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 RappiPay 6-0.
| B Brex №34 · FDIC 70 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded CO.FOGAFIN |
| 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 | 4.3 ★ iOS 4.3 · And 4.2 |
| 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 RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- 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 Brex won 1 of 2
Brex vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than RappiPay?
Under our v3 methodology, Brex leads RappiPay 6–0 across 12 dimensions. Composite scores: Brex 70/100 vs RappiPay 50/100. 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 RappiPay cheaper?
Monthly fee — Brex: €0; RappiPay: €0. Card FX markup — Brex: Interbank; RappiPay: 3.00%. 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 RappiPay?
Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. Brex is the stronger pick on regulatory protection.
Where can I use Brex and RappiPay?
Brex operates in 1 country; RappiPay 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.