European Alternatives to Brex
US corporate card, banking and expense platform for startups. Below are 3 alternatives from companies headquartered in Germany, Denmark and France. 2 of them keep data in the EU only.
Headquartered in Europe
Every company listed here has its headquarters in the EU, EEA, UK or Switzerland, not just a data centre there.
Data location you can check
The pricing table shows whether each one keeps data in the EU only, offers an EU region, or does not say.
Outside the US CLOUD Act
US providers can be ordered to hand over data held in their European data centres. A European company with no US parent or US operations is outside that reach.
Compare Brex Alternatives
| Company | Headquarters | Data Residency | Founded | Pricing | Open Source | Employees | Funding | Replaces | Website |
|---|---|---|---|---|---|---|---|---|---|
| Berlin, Germany | 🇪🇺 EU Only | 2019 | Custom / quote-based | ❌ No | ~300 | VC-backed growth company | Ramp, Brex | Visit | |
| Copenhagen, Denmark | 🇪🇺 EU Available | 2015 | From paid plan tiers | ❌ No | ~900 | VC-backed growth company | Ramp, Brex | Visit | |
| Paris, France | 🇪🇺 EU Only | 2016 | From monthly business plans | ❌ No | ~1,500 | VC-backed growth company | Brex, Bill.com | Visit |
Brex Alternatives: Pricing and Hosting Compared
Starting prices are the lowest paid plan each vendor publishes. Check the vendor's pricing page before you buy, as plans change.
3 European Alternatives
Moss
German spend management and corporate card platform for mid-market finance teams that need approvals and real-time control.
Danish spend management platform for cards, reimbursements, invoices, and finance controls.
French business finance platform combining business banking, cards, invoicing, and spend controls for SMBs.
What to Check Before Switching from Brex
Where your data will be stored
2 of the 3 alternatives here say they keep data in the EU only. Pleo offers an EU region alongside others, so choose it explicitly when you set up the account.
How you can try it
None of the alternatives here publishes a free plan, so plan for a paid trial period that overlaps with Brex. Moss sells on custom quotes only, which usually means a sales call before you can try it.
Security certifications
We have not confirmed a security certification for any of these alternatives yet. If your procurement requires ISO 27001 or SOC 2, ask each vendor for its documentation.
What you need to bring from Brex
List the data, templates and integrations you rely on in Brex, then confirm each one can be exported and that the alternative can import it or offers an API to rebuild it.
Frequently Asked Questions
- What are the European alternatives to Brex?
- We list 3 companies headquartered in Europe that replace Brex: Moss (Germany), Pleo (Denmark) and Qonto (France).
- Is there a free European alternative to Brex?
- None of the alternatives listed here publishes a free plan.
- Which Brex alternatives keep data in the EU?
- Moss and Qonto keep data in the EU only. Pleo lets you choose an EU region.