How Brex Generates Revenue 💰

Brex makes money primarily through interchange fees, subscription services, and interest income from its financial products tailored for startups and businesses. Here’s a breakdown of their revenue streams:

1. Interchange Fees (Primary Revenue Source)

Every time a Brex corporate card is used, merchants pay interchange fees (a small percentage of the transaction). Brex earns a share of these fees, which adds up significantly given their focus on high-spending businesses.

2. Subscription & Software Revenue

Brex offers premium financial tools like:

• Brex Premium ($49/month): Advanced cash flow analytics.


• Brex Empower (Enterprise-tier): Custom spend management.


• Brex Treasury: Interest-bearing accounts with yield optimization.




3. Interest on Cash Deposits & Lending



• Businesses deposit funds in Brex accounts, which Brex reinvests (like traditional banks).


• They also earn from credit card interest if users carry a balance (though Brex encourages full payments).

4. Partner Integrations & Ecosystem

Brex monetizes partnerships with platforms like QuickBooks, Shopify, and Slack, earning referral fees or revenue-sharing for integrations that streamline business finances.

People Also Ask ❓

Does Brex charge annual fees?
No—Brex cards have no annual fees, but premium features require subscriptions.

How does Brex differ from traditional banks?
Brex avoids branch overhead, focusing on digital-first services with rewards tailored for startups.

Is Brex profitable?
As a private company, Brex hasn’t disclosed full profitability, but its diversified model fuels growth.

By combining fintech agility with scalable revenue streams, Brex sustains its mission to modernize business finance while monetizing value-added services. 🚀