Brex vs Chipper Cash.
Brex (B70/100) and Chipper Cash (C62/100), 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 Chipper Cash 4-2.
| B Brex №34 · FDIC 70 /100 | C Chipper Cash №48 · FCA 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | E-money inst. FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 9 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.4 · And 4.5 |
| 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 Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
- Best for fees Brex won 1 of 4
- Best for protection Brex won 1 of 2
- Best for reach Chipper Cash won 2 of 3
- Best for ux Brex won 1 of 2
Brex vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than Chipper Cash?
Under our v3 methodology, Brex leads Chipper Cash 4–2 across 12 dimensions. Composite scores: Brex 70/100 vs Chipper Cash 62/100. 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 Chipper Cash cheaper?
Monthly fee — Brex: €0; Chipper Cash: €0. Card FX markup — Brex: Interbank; Chipper Cash: 1.00%. 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 Chipper Cash?
Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Brex is the stronger pick on regulatory protection.
Where can I use Brex and Chipper Cash?
Brex operates in 1 country; Chipper Cash operates in 9 countries. 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.