Axos vs Brex: Which Is The Top Pick in 2025?

One key drawback of Axos is the presence of hidden fees, such as a 1% extra charge for making the last payment over the phone. For Brex, a significant drawback is the lack of physical checks, which can be inconvenient for businesses that still rely on them.

Rho could offer a more efficient solution for businesses by integrating AP automation with advanced banking products, streamlining financial operations.

Many businesses look to Axos and Brex for their financial management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare to help you make an informed decision. Additionally, we'll also explore Rho as a third option worth considering.

Axos Overview

Axos Bank operates in the online banking sector, providing services for personal banking, small businesses, and commercial clients. Their main value proposition includes high annual percentage yields (APYs) on accounts, early paydays, and no monthly fees. They aim to offer secure and efficient digital banking solutions for a diverse customer base.

Axos Features

Some of the key features of Axos include:

High APY on Axos ONE®: Offers up to 4.66% annual percentage yield on checking and savings accounts.
Early Paydays: Provides access to direct deposits up to two days early.
No Monthly Fees: Does not charge monthly maintenance fees on accounts.
Advanced Security: Includes data protection, FDIC insurance, and digital security tools.

Axos Pricing

Axos offers a straightforward pricing structure without subscription tiers or packages.

High APY on Axos ONE®: Up to 4.66% annual percentage yield on checking and savings accounts.
Early Paydays: Access to direct deposits up to two days early.
No Monthly Fees: No monthly maintenance fees on accounts.

The prices for each tier are not publicly listed.

Drawbacks To Axos

General user reviews on Axos are mixed, with frequent complaints about hidden fees and poor customer service.

"Stay away as much as possible, many hidden fees, after I pay 35 months everything on time online, last payment you have to make it over the phone to be charged 1% extra just to finish the payment." - ioan m
"I took out a mortgage from Axos Bank in July 2024. Initially, the loan officer was responsive, but after the appraisal came in lower than the offered price, they changed the down payment amount without approval." - Vancho

For more detailed reviews, visit Trustpilot.

Brex Overview

Brex operates in the financial technology sector, offering solutions for spend management, corporate cards, banking, bill pay, accounting, and travel. Their main value proposition is to help businesses, including startups, mid-size companies, and enterprises, spend smarter through AI-powered automation and superior policy compliance.

Brex Features

Some of the key features of Brex include:

Corporate Cards: Issue local currency cards with custom limits, embedded policies, and cash back.
Expense Management: Manage every type of spend and payment method, automate expense reporting globally.
Travel Management: Book and manage travel with unbiased inventory and 24/7 agent support.
Bill Pay: Automate the entire global accounts payable process, from invoice to payment to reconciliation.

Brex Pricing

Brex offers three main pricing plans: Essentials, Premium, and Enterprise.

Essentials: $0 per user/month - Global card acceptance, AI-powered custom rules, accounting integrations.
Premium: $12 per user/month - Includes Essentials features plus advanced approvals, multi-entity support, and VAT documentation.
Enterprise: Custom pricing - Includes Premium features plus unlimited entities, local language support, and a named account manager.

Drawbacks To Brex

Overall, Brex is well-regarded for its user-friendly interface and efficiency in managing corporate expenses and compliance.

"Brex has been one of the most user-friendly platforms I have ever used and I am in Brex daily." - Amanda H.
"We've had some integration issues with Sage which has caused us to do some manual work instead of being able to upload transactions directly into Sage." - Amanda H.

For more detailed reviews, visit Brex Reviews on G2.

What to Know Before Picking Axos or Brex

Looking at the reviews as a whole, businesses using Axos often face hidden fees and unauthorized changes to agreements, which can be frustrating and costly. Additionally, poor customer service responsiveness is a common complaint.

For Brex, integration issues, particularly with Sage, and the lack of physical checks are notable limitations. Users also mention that the approval process can be cumbersome, and the platform's complexity increases with new functionalities.

Why Rho Is a Better Alternative

At Rho, we understand the frustrations businesses face with hidden fees, poor customer service, and integration issues. Our platform is designed to offer transparent pricing, exceptional support, and seamless integrations, making financial management simpler and more efficient. Discover why Rho is the smarter choice for your business needs.

Rho Features

Rho offers a range of unique features designed to address common issues businesses face with Axos and Brex:

Rho Platinum: Our platform offers up to 2% cashback¹ on banking and card usage, providing financial incentives that help businesses save money on everyday transactions.
Expense Management: We eliminate the hassle of manual expense reporting by capturing every receipt and automating the process, saving time and reducing errors.
AP Automation: Our system allows you to pay hundreds of vendors in minutes with zero platform fees, streamlining your accounts payable process and improving efficiency.
Rho Treasury: We safeguard your idle cash and offer dynamic yield rates, ensuring your funds are working for you even when they are not in use.
Integrations: Our platform integrates directly with your existing accounting, HR, and T&E software, simplifying financial operations and enhancing overall efficiency.
24/7 Private Banking Support: We provide continuous access to customer support, ensuring that any issues are resolved promptly, no matter when they arise.

Rho Pricing

We offer a straightforward and transparent pricing structure that sets us apart from Axos and Brex. Our pricing is simple, with many core services available at no cost, making it easier for businesses to manage their finances without worrying about hidden fees.

$0 Same-Day ACH fees: No charge for same-day ACH transactions.
$0 Wire fees: No charge for wire transfers, with a note that international wires in USD may incur additional fees from other banks.
$0 Monthly plans: No monthly subscription fees for accessing Rho's services.
$0 Support fees: Free live support from day one without requiring a monthly plan.
$0 Subscription fees: No subscription fees for using Rho's platform.
$0 Checking account minimum fees: No minimum balance fees for checking accounts.
$0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
$0 Per-user fees: No fees per user for accessing the platform.
1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

"Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Sean F. (Chief Financial Officer, Mid-Market)
"The company implementation of Rho was easy and took less than 2 hours." - Tyler M. (Chief Financial Officer, Small-Business)
"Rho has all the features of a legacy platform but is designed like a fintech product, so it's constantly evolving and growing to meet our needs." - Kevin K. (Director of Marketing and Analytics, Mid-Market)

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Axos, Brex, and Rho—has its strengths. Axos offers high APYs and no monthly fees, while Brex excels in spend management and corporate cards. However, both have drawbacks like hidden fees and integration issues.

This is where Rho comes in. We provide transparent pricing, seamless integrations, and 24/7 private banking support. Our platform offers up to 2% cashback¹ and automates expense management, making financial operations simpler and more efficient for your business.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can simplify your financial operations. Get started with Rho today.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank N.A., member FDIC. Savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services are provided by Wise US Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. Products and services offered through the Rho platform are subject to approval.

The Rho Corporate Cards are issued by Webster Bank N.A., member FDIC pursuant to a license from Mastercard, subject to approval.

Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser and subsidiary of Rho. Rho Treasury investments are not deposits or other obligations of Webster Bank N.A., or American Deposit Management Co.’s partner banks, are not FDIC insured, are not guaranteed and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not future results. Treasury and custodial services provided through Apex Clearing Corp. and Interactive Brokers LLC, registered broker dealers and members FINRA/SIPC.

¹Up to 2% cashback; terms and conditions apply. See eligibility and complete Rho Cashback Rewards Program terms and conditions here.

This content is for informational purposes only. It doesn’t necessarily reflect the views of Rho and should not be construed as legal, tax, benefits, financial, accounting, or other advice. If you need specific advice for your business, please consult with an expert, as rules and regulations change regularly.