Cash App vs Brex
Neither wins across the board: weigh the points above against your use case before choosing between Cash App and Brex.
| Cash App | Brex | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.2 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | condiviso |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | No |
| Interest on balance | 3.25% | 3.3% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FinCEN / OCC / SEC | FinCEN / OCC / SEC |
| OAM Italy registration | No | No |
| Segment | B2C | B2B |
| Regions | US | US |
| Licences & safety | Money Transmitter + Banking partner (Wells Fargo, Sutton Bank) | Banking partner + Card issuer |
Frequently asked questions
Cash App vs Brex: which is better?
Neither wins across the board: weigh the points above against your use case before choosing between Cash App and Brex.
Which is cheaper, Cash App or Brex?
On the standard spending profile Cash App has the lowest net annual cost: €0 versus €0 for Brex.
Is Cash App custodial or self-custody?
Cash App is custodial: funds are held by the platform, while Brex is custodial.
Which is better for spending abroad?
For foreign-currency spending Brex wins, with the lowest FX markup: 0%.