SoFi vs Brex
On the standard spending profile, SoFi has the lowest net annual cost (€0). SoFi offers the highest cashback (0%). Pick SoFi if you prioritise simplicity and exchange integration; consider Brex if you prefer a mature custodial ecosystem.
| SoFi | Brex | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.3 | ★ 4.2 |
| FX markup | 0% | 0% |
| Cashback | 0% | 0% |
| Annual fee | Free | Free |
| Estimated net annual cost | €0 | €0 |
| Custodial | Custodial | Custodial |
| Network | — | — |
| Regions | US | US |
| Licences & safety | National Bank Charter (2022) | Banking partner + Card issuer |
Frequently asked questions
SoFi vs Brex: which is better?
On the standard spending profile, SoFi has the lowest net annual cost (€0). SoFi offers the highest cashback (0%). Pick SoFi if you prioritise simplicity and exchange integration; consider Brex if you prefer a mature custodial ecosystem.
Which is cheaper, SoFi or Brex?
On the standard spending profile SoFi has the lowest net annual cost: €0 versus €0 for Brex.
Is SoFi custodial or self-custody?
SoFi is custodial: funds are held by the platform, while Brex is custodial.