Comparison
Brex vs Penta
A side-by-side look at Brex and Penta — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
Penta
The digital business account for German SMEs.
Penta is a German business banking platform offering accounts, Mastercard cards and accounting integrations.
Side-by-side
| Spec | Brex | Penta |
|---|---|---|
| Tagline | The corporate card built for startups and scale-ups. | The digital business account for German SMEs. |
| Headquarters | San Francisco, USA | Berlin, Germany |
| Founded | 2017 | 2017 |
| Regions | US | EU |
| Card type | Charge card | Mastercard debit |
| Pricing | Free base plan; Brex Premium $12/user/mo; Enterprise custom. | From €9/mo Starter to €79/mo Enterprise. |
| Rewards | Up to 7x points on rideshare, 4x on travel, 3x on dining. | — |
| Best for | VC-backed startups, Tech companies, Scale-ups | German SMEs |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct | Datev, Xero, Lexoffice |
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid
Penta: pros & cons
- German market specialist
- DACH-only