How to Open a Brex Business Account Online in 2025

Founded in 2017, Brex is a U.S. financial technology company that began with cash management solutions for startups but has since expanded to serve scaling companies and large enterprises.

If you're considering Brex for your business, this guide will cover the essentials of opening a Brex business account, including:

✅ Who can open a Brex business account

✅ What documents are required to apply

✅ How long the review and approval process takes

✅ What features and support do Brex business accounts include

Brex offers three business account plans: Essentials, Premium, and Enterprise.

The differences lie in the depth of expense controls, entity support, and customer service, which makes them better aligned with different company needs.

Every Brex business account combines checking, treasury, and vault services so you can decide how your money is stored and accessed.

• Checking: A commercial checking account provided by Column National Association, Member FDIC. You can open up to 240 checking accounts under your entity. Balances in checking are FDIC-insured up to $250,000.
• Treasury: Cash management services offered by Brex Treasury LLC, where funds are invested in a government money market fund (DGVXX) with a 7-day yield of 4.35% (as of 21 August 2025). Transfers between checking and treasury are processed as quickly as one hour during business hours.
• Vault: A cash sweep account offered by Brex Treasury LLC that distributes deposits across partner banks for up to $6 million in FDIC insurance coverage. Each Brex business account includes one vault account, with transfers to checking taking 1–2 business days.

Before applying, it’s important to understand who can open a Brex business account and who cannot.

Brex accounts are only available to companies incorporated in the United States.

To qualify, your business must also provide a valid U.S. physical address. This can be your primary office or, in some cases, the residential address of a controlling owner.

Brex supports established U.S. entities with a recognised legal framework:

• C-corporations
• S-corporations
• Limited Liability Companies (LLCs)
• Limited Liability Partnerships (LLPs)

Sole proprietors, individuals, unincorporated partnerships, and foreign-registered companies are not eligible.

Brex excludes certain activities for regulatory and risk reasons. Examples include:

• Cryptocurrency or digital asset businesses
• Licensed financial services, such as securities brokers and investment firms
• Businesses distributing grey-market goods
• Pyramid-selling or multi-level marketing models
• Pseudo-medical or pseudo-pharmaceutical companies
• Activities that Brex, in its sole discretion, identifies as high-risk
• Using a business account for personal spending

This is only a partial list. For the full scope of restrictions, see Brex’s Prohibited and Restricted Activities page.

Before you apply, it helps to know exactly what paperwork Brex may ask for. Requirements vary by company type, but most applicants should prepare:

• Personal information on company owners, including either a Social Security Number or a valid photo ID
• Employer Identification Number (EIN) confirmation from the IRS
• Valid U.S. incorporation documents (e.g. Articles of Incorporation or LLC formation paperwork)
• Physical U.S. address for your business or a controlling owner, provided as proof of address with a recent utility bill, lease, or bank statement (must show the legal name and a physical address; P.O. Boxes, PMBs, and virtual addresses aren’t accepted)

Brex may also request additional information depending on your profile, such as recent financial statements or proof of investment for funded startups. Nonprofits may be asked for board/governance bylaws, 501(c)(3) designation, and articles of incorporation.

For the latest specifics, see Brex’s official documentation.

Before you can open a Brex business account, you first need to create a Brex profile. From there, you’ll complete company verification before applying for the account itself.

Start by visiting the Brex website and clicking “Get Started” in the top-right corner to access the signup portal.

You’ll be asked to provide basic details such as your company name, work email, and mobile number. Next, Brex will ask a few questions about your business, including:

• Are you an ecommerce company?
• What is your average monthly revenue?
• How is your business funded? (e.g. angel investment, venture capital, business equity, self-funded)

Once you complete the questionnaire, you’ll set a password and gain access to your new Brex account.

Next, you’ll need to verify your business by submitting details such as your business address, incorporation documents, and ownership structure.

Brex usually reviews verification documents in 1–3 business days, though extra checks can extend this.

During onboarding, you’ll have the option to apply for a Brex business account directly from your dashboard:

1. Navigate to “Accounts”.
2. Select “Apply for financial services”, choose “Brex business account”, and click “Start”.
3. Complete the guided application flow.

After submission, Brex will review your business account application and follow up by email. While Brex does not provide a fixed timeline for this step, approval generally depends on the completeness of your information and compliance checks.

After your application is approved, you can set up your account and start using it:

• Add funds: Link an external bank and transfer by ACH or wire; you can also deposit checks in the Brex app. Availability may depend on transfer type and settlement times.
• Make payments: From your Checking account, you can send ACH transfers, domestic or international wires, or mail checks, provided your balance is positive.
• Get a Brex card: Order a physical card and create virtual cards to start spending immediately.
• Connect company resources: Use your account and routing numbers to link payroll providers and other platforms that debit your account.
• Assign roles: Assign role-based permissions (e.g., account admin, bookkeeper, AP clerk, user-management admin, or employee).

Brex provides customer support 24/7, with service levels that scale depending on your plan.

For all users, support can be reached through the dashboard:

• Phone: +1-833-228-2044
• Live chat: available once you’re logged in
• Email and WhatsApp: details provided in your account dashboard

All contact details are centralised under the Support tab in your account.

Premium and Enterprise users also receive VIP Support during business hours (5 a.m. – 5 p.m. PST). This includes priority handling via phone, email, and Zoom, with access to a specialised team that can resolve admin and bookkeeping issues more quickly.

If your business is incorporated in Hong Kong, Singapore, or the British Virgin Islands (BVI), Brex won’t apply to you as its services are strictly limited to U.S.-incorporated companies. For businesses set up in these jurisdictions, Statrys offers a more relevant alternative.

With Statrys, you can hold and manage 11 major currencies, send and receive payments in over 140 countries, and benefit from transparent FX markups starting at 0.1% on major currencies. Every account includes a dedicated account manager for direct support, backed by a multilingual team that can speak seven languages. This focus on service has earned Statrys a 4.4 out of 5 rating on Trustpilot.