WeBank vs Brex.
WeBank (W76/100) 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. WeBank leads Brex 4-1.
| B Brex №34 · FDIC 70 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 76 /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 | Full bank CBI |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| 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 4.6 · 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees Brex won 1 of 4
- Best for protection WeBank won 2 of 2
- Best for reach Tied
- Best for ux WeBank won 1 of 2
WeBank vs Brex — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than WeBank?
Under our v3 methodology, WeBank leads Brex 4–1 across 12 dimensions. Composite scores: Brex 70/100 vs WeBank 76/100. WeBank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Brex or WeBank cheaper?
Monthly fee — Brex: €0; WeBank: €0. Card FX markup — Brex: Interbank; WeBank: 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 WeBank?
Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Brex and WeBank?
Brex operates in 1 country; WeBank 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.