Holyheld vs Brex
Brex fits a company incorporated in the United States that wants free USD transfers on a $0 plan and pays suppliers abroad by wire, in USD or in local currency. Holyheld Business fits a company that needs a EUR account with an IBAN beside its USD one and keeps stablecoins in the account, where Brex has no IBAN and its stablecoin terms convert every coin to or from USD.
Where Holyheld differs from Brex
Stablecoins
Stablecoins you can hold.
Brex’s terms convert stablecoins to USD on arrival and keep no stablecoin balance. Holyheld holds USDC and EURC until you convert or send them.
Currencies
A EUR account with an IBAN.
Brex has no IBAN and receives wires only in USD. Holyheld adds a named EUR account, so European customers pay by SEPA.
ACME AGNamed account
USDEUR
···· ···· ···· 4092
MXN ↗ BRL ↗ COP ↗
Support
A dedicated concierge.
One person who knows your account, in in-app chat, for every member rather than on an Enterprise plan.
Need a corporate lawyer in Zug — by tomorrow?
02:57Done. Three intros in your inbox.
03:12 ✓Holyheld and Brex, row by row
| Holyheld Business | Brex | |
|---|---|---|
| Who can open an account | Companies apply, and each application is reviewed | Companies organised and registered in the US, with a US EIN and US operations; sole proprietors and companies registered abroad can’t apply Brex Business Account Agreement |
| USD account | YesA named USD account that receives ACH and wires, domestic or international | YesRouting and account numbers for ACH and wires Brex help: domestic and international wires |
| EUR account | YesA named EUR account with an IBAN, for SEPA transfers | NoNo IBAN; international wires are received only in USD Brex help: domestic and international wires |
| Other currencies | NoUSD and EUR accounts only; pounds received by Faster Payments are credited in USD | PartlyWires go out in USD or local currency, 30+ by its product page; balances are in USD Brex business account |
| Holding stablecoins | YesUSDC and EURC; companies outside the EEA can also hold USDT, PYUSD and USDG | NoStablecoins are converted on arrival; no stablecoin balance is kept Brex stablecoin addendum |
| Stablecoins to USD or EUR | YesOff-ramp and on-ramp transfers in the account, and swaps between stablecoins | PartlyIts terms convert supported stablecoins to and from USD, with USDC the one named; its stablecoins page still runs a waitlist Brex Business Account Agreement |
| Outside wallets | YesReceiving addresses for USDC on seven networks and EURC on three, and sending from the app | PartlyIts terms receive at a payment address and send to outside wallets; coins and networks are listed in the dashboard Brex stablecoin addendum |
| Wires that arrive in full | YesWires are sent so the recipient receives the full amount | Yes“Principal protection” at $15 per international USD wire Brex help: principal protection |
| Support | YesA dedicated concierge in in-app chat | Partly24/7 live support on every plan; a named account manager on Enterprise Brex pricing |
What Brex charges
Brex’s US prices, as listed on 28 October 2026.
The recipient’s bank and banks along the route may still charge on a wire.
Holyheld’s prices are on its pricing page.
| Price per user per month | Essentials $0, Premium $12, Enterprise custom |
|---|---|
| Opening and maintaining the account | $0 |
| ACH, including same-day ACH | $0 |
| Domestic wire, in or out | $0 |
| International wire, in or out, fees shared | $0 |
| International USD wire, sender pays all fees | $15 (principal protection) |
| Wire in another currency | Brex’s exchange rate, which typically includes a markup; no figure is published |
| Stablecoin conversion, under its terms | $0 per transaction; network fees, partner fees and spreads may apply |
Stablecoins: converted at the edge, or held
Brex announced stablecoin payments in September 2025, starting with USDC, and its stablecoins page still asks visitors to join a waitlist. Its Business Account Agreement describes the service: stablecoins received at a payment address are converted into USD, and USD can be converted into a supported stablecoin and sent to an outside wallet. Its stablecoin addendum says no stablecoin balance is kept, and the coins, networks and limits are shown in the Brex dashboard.
Holyheld holds stablecoins in the account. Off-ramp transfers turn them into USD or EUR when you choose, on-ramp transfers do the reverse, and swaps exchange one stablecoin for another.
Holyheld works with USDC on Ethereum, Arbitrum, Optimism, Base, Polygon, Avalanche and Solana, and with EURC on Ethereum, Base and Solana. Companies outside the EEA can also use USDT, PYUSD and USDG.
Which one fits
Brex fits
- A US-incorporated company that wants free ACH and wires on a $0 plan.
- A company paying suppliers abroad by wire in their local currency.
Holyheld fits
- A company that keeps stablecoins and settles in USD or EUR when it chooses.
- A company that needs a EUR account with an IBAN beside its USD account.
Common questions
No. Brex’s Business Account Agreement accepts only companies organised and registered in the United States, with a US EIN. Founders who live abroad can apply through a US company with US operations.
On its US site, Essentials is $0 per user per month, Premium is $12 per user per month, and Enterprise is priced on request. Opening and maintaining the account costs $0, and no annual price is shown.
Brex lists $0 for international wires in and out, with fees shared by default, so banks along the route may deduct theirs. Principal protection, which has the sender cover those fees, costs $15 per international USD wire. Wires in other currencies use Brex’s exchange rate, which typically includes a markup.
No. Brex says it doesn’t have an IBAN, and it receives international wires only in USD, converting other currencies on arrival. It can send euros as a local-currency wire.
Brex announced USDC payments in September 2025, and its stablecoins page still runs a waitlist. Its current terms describe converting stablecoins received into USD, and sending USD out as a supported stablecoin to an outside wallet, with no stablecoin balance kept.
Every plan gets 24/7 live support by chat, email, phone, SMS or WhatsApp. Premium and Enterprise add dedicated support for admins and bookkeepers, and Enterprise adds a named account manager.
Yes. USDC and EURC stay in the account until you convert or send them, and companies outside the EEA can also hold USDT, PYUSD and USDG.
Sources and limits
Prices change. Brex’s figures are its US prices, checked on 28 October 2026; Holyheld’s fees are on its pricing page.
Brex’s stablecoin service is described in its terms while its product page runs a waitlist. Check in the Brex dashboard what your company can use.
Holyheld is invite only. Each application is reviewed, and companies whose needs Holyheld can support are invited.
Not everything is compared. Cards, spend management, bill pay, travel and Brex’s treasury products are outside this page.
- Brex pricing
plans and support by plan
- Brex business account rates and fees
account, ACH, wire and check fees
- Brex help: domestic and international wires
account details, currencies, receiving only in USD and no IBAN
- Brex help: principal protection
the $15 option for wires that arrive in full
- Brex business account
local-currency payments
- Brex Business Account Agreement
eligibility, exchange rates and the stablecoin service
- Brex stablecoin addendum
no stablecoin balance, sending to outside wallets and its fees
- Brex stablecoins
the waitlist
- Holyheld Business pricing
membership and transfer fees
Brex’s pages were read on 28 October 2026.
Other comparisons
Holyheld vs Mercury
Mercury fits a US company paying in USD. Holyheld adds a named EUR account and stablecoins in the account.
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Holyheld vs Revolut Business
Revolut fits a UK or EEA company holding many currencies. Holyheld fits one that settles stablecoins in USD or EUR.
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Holyheld vs Wise Business
Wise fits a company paid by bank transfer in many currencies. Holyheld fits one that also works in stablecoins.
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Holyheld vs Airwallex
Airwallex fits a company receiving in many currencies. Holyheld fits one that receives and holds stablecoins.
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Holyheld vs Payoneer
Payoneer fits a company paid by marketplaces and clients abroad. Holyheld fits one that settles stablecoins in the same account.
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All comparisons
Holyheld Business beside every other account, in one table.