Brex Brex Premium
A plan byBrex
One of the first US corporate cards with USDC payments, offering instant cross-border transfers via stablecoin and up to 8x points. It is a custodial product aimed at companies rather than consumers, focused mainly on the US; the Capital One acquisition closed in April 2026.
Brex Premium
- Issuance fee
- Free
- Cashback currency
- Brex Points
- Required staking
- Nessuno
- ATM limit
- No ATM access
- Net annual cost
- Free
- Price per user/month
- €12
What's included
- Advanced controls
- Approval workflows
- Integrations
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| Interest on balance | 3.3% |
| ATM withdrawal | not declared |
| Free ATM limit | No ATM access |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | FinCEN / OCC / SEC |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | Banking partner + Card issuer |
Strengths
- First US corporate card with USDC payments; instant cross-border via stablecoin; 8x points.
- No notable sovereignty advantage documented.
Weaknesses
- Corporate only; mainly USA.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The A rating rests on a mature US corporate card, regulated by FinCEN/OCC/SEC, with instant USDC cross-border payments and up to 8x points. Weighing on the consumer view, though, are its corporate-only nature and US-only coverage, following the Capital One acquisition that closed in April 2026.
The use of USDC is interesting but remains a custodial rail: the balance is held by Brex with full KYC and no keys in the user's hands. The stablecoin here is corporate payment efficiency, not individual sovereignty, and nothing about this product is trustless or censorship-resistant.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Brex a real bank?
Brex operates under a Banking partner + Card issuer licence (US). The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Brex?
Yes, Brex allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Brex support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Brex support?
The number of supported fiat currencies is not documented. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from Brex?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Issuer · Savings interest · +4 Data verified on Jul 16, 2026
- paymentsdive.com Acquisizione capital one Data verified on Jul 16, 2026
- sec.gov Acquisizione capital one conclusa · Legal name Data verified on Jul 16, 2026
- businesswire.com Investors Data verified on Jun 15, 2026
Show 5 more sources
- forgeglobal.com Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
- bankingdive.com Issuer Data verified on Jun 14, 2026
- github.com Trust & safety Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026
- ycombinator.com Company profile Data verified on Jun 14, 2026