Brex vs Wise.
Brex (B70/100) and Wise (W68/100), 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 Brex №34 · FDIC 70 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | E-money inst. FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 160 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.7 · 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 Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 1 of 4
- Best for protection Brex won 1 of 2
- Best for reach Wise won 1 of 3
- Best for ux Tied
Brex vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than Wise?
Brex and Wise are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Brex 70/100 vs Wise 68/100. The right pick depends on which dimension you weight most heavily.
Is Brex or Wise cheaper?
Monthly fee — Brex: €0; Wise: €0. Card FX markup — Brex: Interbank; Wise: Interbank. Wise 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 Wise?
Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Wise 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 Wise?
Brex operates in 1 country; Wise operates in 160 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.