Brex vs Xero
Brex and Xero are both accounting & finance tools. Brex is aimed at enterprise and small businesses, while Xero is aimed at small businesses. Brex costs less, from $12/mo versus $27/mo for Xero. Only Brex has a free plan.
| Pricing | Freemium · $12 | Paid · $27 |
| Starting price | $12/mo | $27/mo |
| Free plan | Yes | No |
| Free trial | — | 30 days |
| Built for | Enterprise, Small businesses | Small businesses |
| Platforms | web, ios, android | web, ios, android |
| Country | US · 2017 | NZ · 2006 |
| Rating | — | — |
Choose Brex if
US-based startups and mid-market companies.
- Strong controls and automation
- Global capabilities
- Free core plan
Look elsewhere if: Businesses outside supported markets.
Choose Xero if
Small businesses outside the US and teams with many users who need books access.
- Unlimited users on all plans
- Excellent reconciliation experience
- Strong in UK, ANZ and international markets
Look elsewhere if: Very small freelancers (Wave, FreshBooks) or Turkish e-invoice compliance (Paraşüt).
Brex vs Xero pricing
Brex
- Essentials$0Up to 2 entities; one local card program
- Premium$12/user/moMulti-entity, US and international
- EnterpriseCustomUnlimited US or global entities
Xero
- Early$27/mo20 invoices, 5 bills; 90% off first 6 months until Nov 2 2026
- Growing$59/moUnlimited invoices and bills
- Established$97/moMulti-currency, projects, analytics
Brex · Key features
- Corporate cards with real-time controls
- Expense management and receipt AI
- Bill pay and procurement
- Travel booking with policies
- Business banking and treasury
- Accounting integrations
Cons
- Eligibility requirements
- Premium features cost per user
- Primarily US-focused banking
Xero · Key features
- Bank reconciliation with smart matching
- Invoices, quotes and online payments
- Bills, expenses and Hubdoc document capture
- Multi-currency accounting (Established)
- Projects, inventory and fixed assets
- Analytics, short-term cash flow and reporting
Cons
- Early plan limits are tight
- US payroll requires integrations
- Multi-currency only on the top plan
Brex vs Xero: FAQ
Which is cheaper, Brex or Xero?
Brex starts at $12/mo and Xero at $27/mo. Both prices are checked on the vendors' own pricing pages.
Do Brex and Xero have a free plan?
Brex has a free plan. Xero has no free plan, a 30-day free trial.