# Help Center
Get answers to all of your questions regarding Brex
**URL Source:** https://www.brex.com/support
---
## Popular Articles
### [How Brex credit limits work](https://www.brex.com/support/brex-credit-limits)
Brex is built to be your financial platform at every stage of growth. Whether you're just getting started, entering the Commercial or Upmarket space, or leading a global Enterprise, our solutions scale with you to manage the increasing complexity of your finances. This approach helps you spend smarter and move faster, with clear insights and high limits available quickly.
## Overview
Brex is built to be your financial platform at every stage of growth. Whether you're just getting started, entering the Commercial or Upmarket space, or leading a global Enterprise, our solutions scale with you to manage the increasing complexity of your finances. This approach helps you spend smarter and move faster, with clear insights and high limits available quickly.
To provide a credit limit that meets your growing needs, our underwriting process adapts to your unique business model and financial characteristics assessing your company based on the metric that best reflects its strength — be it your cash balance or your sales and performance. The information below can help you understand your Brex credit limit.
## What determines your Brex credit limit
The credit limit for your Brex card account is determined based on either cash-based underwriting and/or revenue-based underwriting. In order to unlock higher limits, we recommend providing complete financial information.
We’ll underwrite your account based on one or a combination of the following:
- **Connected bank funds: **Available for accounts making monthly payments.
- **Bank statements: **Available for accounts making monthly payments (If you can’t connect your bank account).
- **Brex business account funds: **Required for daily payments and available for qualified accounts making monthly payments.
- **Financial statements: **Available for accounts making monthly payments.
### Connected bank funds
Brex uses Plaid or Finicity to **securely** and **seamlessly** connect to your bank accounts so we can view account transactions and balances. Connecting your bank accounts gives us a complete picture of your financial profile, which we use to determine your credit limit.
The best way to unlock the highest credit limit is to:
1. Securely connect all bank accounts where you hold cash (our system can see your full financial strength)
2. Maintain a strong payment history by paying your balance on time
Account and card admins can update bank connections or add new ones [from your Brex dashboard](https://dashboard.brex.com/?should-connect-bank=true/). Plaid or Finicity support many bank accounts.
**Note**: If you maintain cash at multiple financial institutions that you cannot connect to Brex, providing us with statements for each account helps us give you the highest limit possible. Upload your two most recent monthly statements for additional accounts [through this secure file uploader](https://www.brex.com) or the [Financial documents](https://dashboard.brex.com/settings/financial-documents) page in your Brex dashboard.
### Bank statements
If you run into issues with connecting your bank account, we can provide a solution by accepting bank statements instead of an account connection.
Similar to connected bank underwriting, we use bank statements to access your cash balance to understand your company’s financial health and determine your limit.
We accept statements that meet these criteria:
- Statements must be official bank PDFs; no screenshots or scanned copies will be accepted.
- Two or sometimes three full months of statements are required each time a new account is introduced.
If you’d like to see instructions on how to upload bank statements, please read [this help article](https://www.brex.com).
### Financial statements
We may review financial statements including income statements and balance sheets to evaluate cash flow and growth trends.
These statements give our underwriting team a comprehensive view of your company’s financial position, including liquidity, profitability, and leverage metrics. Based on this data, we can assign a credit limit that reflects your company’s scale and financial strength.
You may submit standard financial documents, including:
- Balance sheets
- Income (profit & loss) statements
- Cash flow statements
For more information on financial statement underwriting, please read[ this help article](https://www.brex.com)
## Limits by account type
Please read the relevant section below, which will outline how your credit limit is determined for your Brex card based on your product type.
To determine limits with our monthly payments product, we consider your current cash balance, cash flow, and overall financial performance. As your cash balance, cash flow, or financial performance changes, your available limit may change accordingly.
By default, payments to settle your statements are due monthly. If you have a Brex business account in addition to a card with monthly payments, you can switch between a monthly payment cycle and a daily payment cycle.
Your autopay account can be any linked bank account, including Brex business accounts.
If your account makes monthly payments, you're eligible to redeem Brex points for a variety of options listed in[ this article.](https://www.brex.com)
For Brex cards with daily payments, limits are based on the aggregate balance of your Brex business account across your primary checking, treasury, and vault accounts.
Payments to settle your statement are due daily. If your account makes daily payments, you’re eligible to redeem your Brex points for a variety of options listed in[ this article.](https://www.brex.com)
Brex previously offered cards with net 60-day payments to certain customers. Grandfathered accounts may maintain their net 60-day statement periods, but otherwise, Brex no longer supports net 60-day payments.
For accounts that have been grandfathered into this product, your Brex card limit is directly related to your estimated revenue reported in your accounts that are connected to Brex. Your limit depends on the balances of connected bank accounts and/or bank/financial statements, as well as any connected ecommerce platforms such as Amazon or Shopify.
## Credit limit increases
Brex continuously monitors your credit limit to provide the best possible experience. Your credit limit is designed to remain stable and predictable, provided you maintain the following:
- Strong payment history
- Ongoing financial visibility (via connected bank accounts or updated statements)
If your financial profile indicates you qualify for a higher limit, Brex will proactively reach out for an increase. To learn more about requesting limit increases, [please refer to the article here.](https://www.brex.com)
## Disclaimer
_The information you provide is used solely for credit evaluation. Brex treats this data as confidential and complies with rigorous privacy and data handling policies. _Credit limits are calculated in part by Brex’s ongoing account-specific determination of risk. These credit limits are subject to change at any time at our sole discretion in accordance with our rights outlined in the Platform Agreement.
---
### [Two-factor authentication (2FA)](https://www.brex.com/support/two-factor-authentication)
Two-factor authentication (2FA) is an extra layer of security that prevents unauthorized access to your account.
## Overview
Two-factor authentication (2FA) is an extra layer of security that prevents unauthorized access to your account. 2FA is achieved by either setting up SMS authentication or installing a general-purpose authenticator app on your mobile device. 2FA is required for all Brex users.
**We recommend using an authenticator app (see examples below). Authenticator apps provide greater security than SMS, and can be used without a working cell network.
**Brex doesn’t require installation or download of a browser extension to access your account. You should always exercise caution when installing browser extensions.
**Note:** Brex will never call you asking for your 2-Factor Authentication (2FA) code or any one-time passcode.
## How it works
When you sign in to Brex using 2FA, you’ll receive a prompt to provide a verification code in addition to your password. Brex offers two ways to receive a code:
- **[Recommended] **Authenticator app (e.g., Google Authenticator, Twilio Authy, Okta, Duo, 1Password)
- SMS text message
Please read the relevant section below to either set up 2FA for the first time or switch from one method to the other.
**Note:** If you’re using SSO as your preferred sign-in option, you won’t need to complete 2FA during sign-in.
## Setup
**Step 1:** Download an authenticator app.
- Google Authenticator: [iPhone](https://itunes.apple.com/us/app/google-authenticator/id388497605?mt=8/), [Android](https://play.google.com/store/apps/details?id=com.google.android.apps.authenticator2&hl=en/)
- Twilio Authy: [iPhone](https://apps.apple.com/us/app/twilio-authy/id494168017/), [Android](https://play.google.com/store/apps/details?id=com.authy.authy&hl=en/)
- Okta: [iPhone](https://apps.apple.com/ca/app/okta-verify/id490179405),[ Android](https://play.google.com/store/apps/details?id=com.okta.android.auth&hl=en_US&gl=US)
- Duo Mobile: [iPhone](https://apps.apple.com/us/app/duo-mobile/id422663827https://apps.apple.com/us/app/duo-mobile/id422663827),[ Android](https://play.google.com/store/apps/details?id=com.duosecurity.duomobile&hl=en_US&gl=US&pli=1)
**Step 2:** After downloading your app of choice, ensure that your device's date and time settings are configured to _Automatic_ mode. Authenticator apps generate 2FA codes using the current time on your device, so if the time is set incorrectly, the wrong code will be generated.
**Step 3: **Click your company name at the top left of your dashboard and go to _Personal settings > Security and privacy._
**Step 4: **Under _Personal_, find _Two-factor authentication _and click _Change method_.
**Step 5: **Choose _Authenticator app_ and click _Continue_.
**Step 6: **Open your authenticator app and use it to scan the QR code, then click _Continue_.
**Note: **If you can’t scan the QR code, choose manual entry on your app, and enter the code shown on the screen.
**Step 7:** Enter the six-digit code from your authenticator app and click _Continue _(the code typically expires after 30 seconds).
**Step 8: **Copy or download the recovery codes and save them in a secure place, then click _Continue_.
Once 2FA is enabled, it cannot be disabled.** If you ever lose your phone, you can use your recovery codes to sign in to Brex. Each recovery code can be used once.
**If you do not have access to your recovery codes, you can contact your admin to receive a one-time recovery code via email.
**We strongly recommend using an authenticator app, as this provides greater security and does not require a working cell network to use. However, if you prefer to use SMS messaging, please follow these instructions.
Step 1: **Click your _c_ompany name at the top left of your dashboard and go to _Settings_.
**Step 2: **Under_ Security and privacy_, find _Two-factor authentication_ and click _Change method_.
**Step 3: **Choose _Text Message _and click _Continue_.
**Step 4: **Enter the phone number you want your code sent to and click _Continue_. This phone number will replace any existing phone number on your account and will be used for customer communications and fraud prevention moving forward.
**Step 5: **Enter the six-digit code sent to your phone number and click _Continue_ (the SMS code will typically expire after three minutes).
**Note: **Once 2FA is enabled, it cannot be disabled.
**If you don’t receive your SMS code, your admin can generate a one-time recovery code via email.**
## Reset 2FA
If your 2FA code has stopped coming through, you or your admin can reset your 2FA method
Please contact your Brex admin to reset your 2FA.
If a member of your team is unable to access their account as their phone number has changed, admins have the ability to send a 2FA recovery code by email. To do so, please follow the steps below:
**Step 1:** In your Brex dashboard, go to _Teams.
_**Step 2: **Click on the user who needs to have their 2FA reset.
**Step 3: **Click _User actions _> _Send 2FA recovery code_ > _Send code_.
This will send an email to the address your employee has on file that includes the recovery code and instructions to reset their 2FA settings. This code will only be valid for 2 hours. To complete the 2FA reset and to ensure that their 2FA is reset moving forward, the user will need to follow the setup steps listed above.
---
### [Submitting bank statements for your credit limit](https://www.brex.com/support/bank-statement-underwriting)
Statement underwriting is an alternative way for us to underwrite your account limit if you cannot/choose not to connect your bank account. It involves downloading a statement from your bank and manually uploading it to Brex.
## Overview
Statement underwriting is an alternative way for us to underwrite your account limit if you cannot/choose not to connect your bank account. It involves downloading a statement from your bank and manually uploading it to Brex. We’ll then base your limit off of the account balance reflected in the statement.
We allow accounts to move to statement underwriting on a case-by-case basis, often for scenarios such as these:
- Your bank is not supported by Brex.
- You're having persistent issues connecting your bank to Brex.
- You prefer not to connect your bank to Brex.
You can also move to statement underwriting temporarily If you're having issues connecting your bank.
## Statements we can accept
Before making the switch to statement underwriting, you’ll want to make sure that your bank issues statements in a format that we can accept. In order to be used for underwriting purposes, these statements should be:
- **Complete**: Statements with missing pages will not be accepted.
- **Unaltered**: No redacted info and markups such as highlighting or commenting.
- **In PDF format**: Screenshots, spreadsheets, scanned copies, or activity reports will only be considered in exceptional cases.
- **From business accounts only:** Personal bank accounts will not be accepted.
- **From domestic bank accounts only** and with funds denominated in USD.
Outside of standard bank statements, we also accept these formats:
- Consolidated statements (i.e. one single PDF that contains multiple accounts):
- These will be accepted as long as each account satisfies our general guidelines.
- Certificates of deposits:
- These are also accepted as long as their maturity is <1 year old.
## Getting started
If you qualify for a move to statement underwriting, our support team will need to set it up for you. Please reach out with the following documents, depending on your company type:
**Note: **The minimum cash balance requirements and/or monthly sales requirements will also increase with this alternative option.
## Submitting statements
Once you're approved for this alternative, we’ll email your Account and Card admins when we require them to upload statements. Once you receive a notification, you can take action by either tapping the notification directly or going to your dashboard to upload documents.
**Step 1: **Click your name in the top left of the dashboard and select _Statements and documents_
**Step 2:** Select Bank Statements on the left pane > Add documents.
**Step 3: **Click Upload documents to follow the prompts to upload new documents.
Moving forward, you’ll use this same page in your dashboard to upload the most recent month’s statements. Please make sure to upload statements at the requested cadence. Since we base your limit on your company’s cash balance, we cannot maintain your credit limit if we don’t receive the required statements for an extended period of time.
If you’re unable to connect your bank to your Brex account, we may instead ask you to manually submit statements.
You can upload your most recent statements at any time by clicking your name in the top right corner of your dashboard > _Statements and documents. _
**Note: **If this is your first time uploading statements for this bank account, you’ll be asked to upload the 2 most recent bank statements for your bank account(s).
Moving forward, please continue uploading your statements to your dashboard in this location when requested. We’ll also send reminder emails to account or card admins with secure upload links.
---
### [Brex travel car bookings](https://www.brex.com/support/brex-travel-car-bookings)
After enabling Brex travel on your account, all employees with access to travel spend limits will have the ability to book a trip.
## Booking a trip
After enabling Brex travel on your account, all employees with access to travel spend limits will be able to book a trip.
If provisioned by an account or card admin, employees may also use their employee card limit.
Depending on the settings put in place by your admin, you might be able to use a personal card for bookings and request reimbursement later. Otherwise, the card assigned to your limit will be used as a payment method.
**Note: **Per our Platform Agreement, Brex travel can only be used for business-related travel.
You cannot book Black car service or premium transportation—such as limousines, professional chauffeurs, etc.—using Brex travel.
### Rental cars
**Step 1: **In your Brex dashboard or mobile app, click _Trips_ > _Add new trip_ (if there is no existing trip) or _Add booking _(if there is an existing trip). Go to the _Cars _tab_..
_**Step 2: **If you want to book for a guest (an individual who isn’t a member of your Brex account), change _Booking for myself _to _Book for a guest _using the dropdown arrow.
**Step 3: **Go to the _Cars _tab and fill in the trip details, such as location and dates.
**Step 4: **Select your limit under the _Book with_ dropdown menu and click _Search.
_**Note:** If there is no travel spend limit listed, click _Request a spend limit_. Once your request is approved, you can use that spend limit to book travel.
**Step 5: **Search by places, cities, and more. Fill in the required fields. Checking the box _Return to the same location_ will make the dropoff location the same as the pickup location.
**Step 6: **Click _Select _on the car you want. Review your booking details including the car’s cancellation policy and loyalty. If you choose to book on behalf of a guest traveler, fill out their information here.
**Note: **The payment method entered at checkout is used only to secure the booking. Actual payment will be taken at the time of pickup. Depending on the settings put in place by your admin, you might be able to use a personal card and request reimbursement later. Otherwise, the card assigned to your limit will be used as a payment method.
**Step 7: **Select _Reserve_** **to confirm your car booking.
Once your car is booked, you can add a flight and/or hotel to your trip by clicking _Add another reservation to the trip.
_**Disclaimer:** _Rental agencies require that the primary driver of the rented vehicle present a physical credit card for payment that matches the driver's name as it appears on their license. Therefore, car rentals cannot be paid with a credit card at the time of booking and drivers should plan to present their credit card, issued in their name, to the rental agency at pickup. Rental agencies will typically place a hold on the card for the cost of the rental, plus any insurance. Contact your rental agency to find out about any additional costs.
If you choose to book a rental car with a personal card, we recommend using a personal credit card instead of a personal debit card. If you book with a debit card, a hold could be placed on your card or it could be denied based on the rules of the rental agency. If you do book with a debit card, please ensure that you review the terms and conditions as well as confirm that the funds linked to your debit card can cover the entire booking._
Brex does not provide rental car insurance. If you pay for a rental with an eligible Brex Mastercard, you may be eligible for Mastercard’s MasterRental Insurance Coverage. This coverage is offered and administered solely by Mastercard, not Brex. For full eligibility requirements, exclusions, and claim instructions, see [Mastercard’s MasterRental Insurance Coverage](https://www.brex.com).
### Rideshares
Brex offers connections with the popular rideshare apps Lyft and Uber within our mobile app. These connections enable you to quickly request rides alongside viewing your trip details.
**Step 1: **In your Brex mobile app, select _Trips_. On your day of travel, find and select your current trip.
**Step 2: **Select either Uber or Lyft for your ride. Once your preferred application is selected, the rideshare app will open, where you can view ride details and request a ride.
## Comparing Prices
To compare prices, you can filter by the car rental company that you would like to compare.
Select the same pickup and drop off time. Wait until checkout, at which point prices will be updated, to compare.
## Viewing booked trip details
You can view upcoming and past trips you’ve booked in your Brex dashboard or app. Outside of your own personal trips, managers can also view trips they manage as a spend limit owner in the dashboard, while account, card, travel admins, and any other users with the [specific product capability](https://www.brex.com) can view all booked trips across your organization.
You can view your upcoming and past travel arrangements in your dashboard under your _Trips _tab. Use the filters at the top of the page to help you find a specific trip. If you’re an account, card, travel admin, spend limit manager, or a user with the [specific product capability](https://www.brex.com), you’ll have additional search options such as trips by user.
When you find the trip you’re looking for, click on it for additional details.
Account, card, travel admins, and any other users with the [specific product capability](https://www.brex.com) can view reports by clicking _Reports _from within the _Travel_ tab, then click _Travel_. This includes information about booked travel spend, and policy compliance.
You can view your travel arrangements in your Brex app by tapping _Trips _at the bottom right of your screen. Tap between _Upcoming, Drafts, Past, _and _All _to view trips in different statuses.
## Travel policy rules and management
Your policy is a set of rules that a manager, account admin, card admin, or travel admin can set for booking travel with Brex.
Policy admins can set up spending rules_ _that flag travel-related merchant and category expenses (such as car rental) for review if they’re over a certain amount.
Admins and any other users with the [specific product capability](https://www.brex.com) can customize rules.
### Specify maximum spend
_Specify maximum spend_** **under the car rental policy allows account, card, and travel admins to set the average daily rate, including taxes and fees, that will trigger a review. Maximum spend rules can be configured by toggling the _Specify maximum spend_** **button on.
Example: Car rentals costing more than $100 a day will require the expense to be reviewed.
### Specific vehicle classes
Set the type of car rental that, when booked, will trigger the expense to be reviewed. _Car class _can be used to define a travel policy. Car classes include economy, mini, compact, mid-size, standard, premium, luxury, sport, pickup, and many more. You can also exclude allowed car class rules.
Example: Car rentals in which the car class is not one of "economy," "standard," "mini," "compact,” or "mid-size" will require the expense to be reviewed.
## Manage policy
**Step 1: **Create a policy.
**Step 2: **Under _Add categories_, click _Car rental_ > _Customize_.
**Step 3: **(Optional) Select the _Booking policy enforcement_
- **None: **There will be no users on the booking approval chain.
- **Notification: **Users in the approval chain will be notified of out-of-policy bookings. They will be able to cancel those bookings if needed.
- **Approval: **Users in the approval chain will be asked to review out-of-policy bookings. If not approved, the booking will be automatically canceled after a few hours.
**Step 4:** (Optional) Toggle _specify maximum spend _and enter the dollar amount.
**Step 5: **(Optional) Toggle** **_specify vehicle class_ and choose whether you’d prefer a compact, standard, convertible, economy, full size, luxury, mid size, mini, or minivan.
**Step 6:** (Optional) Toggle _maximum spend limit outside of Brex travel _and enter the dollar amount of expenses equal or above the amount you entered to require review.
**Step 7:** (Optional) Toggle _specify by merchant_ and enter the merchant name in the dropdown. Choose between _Allow_** **or _Review_** **under the smaller dropdown. Under _What about all other merchants?_ select either _Review_** **to require review for all other spending,** **or _Allow _to allow spending with other merchants in this category.
**Step 8:** (Optional) To add a note, enter in your note in under 250 characters or less.
**Step 9: **Click _Update & review_ > _Next_ > _Save_**.**
## Modifying trips
### Change rental cars
If you need to make a change to your rental car reservation, cancel your existing booking and make a new one.
**Note:** Changes can no longer be made through Brex once you have picked up the rental car. If you need to make a change to the reservation after pickup date/time, please contact the rental car provider directly.
## Canceling your trip
**Note**: You cannot transfer your booked arrangements to another person.
Most rental car reservations are not paid until pickup and, unless otherwise stated, can be canceled prior to pickup without penalty within your Brex app or dashboard.
If you need to cancel your rental car booking on or after the pickup date and time, please contact the rental car provider directly.
If you can't cancel your rental car on your own, or if you’d like help from a travel agent, please contact Brex travel support.
---
### [Brex Community](https://www.brex.com/support/brex-community)
Brex Community is a platform where all Brex users can connect in one digital space. It was built to foster customer connections and provide a space for customers to share feedback with Brex. Your engagement will help us identify areas of improvement and ensure that the platform is a valuable resource for customers like you.
## Overview
Brex Community is a platform where all Brex users can connect in one digital space. It was built to foster customer connections and provide a space for customers to share feedback with Brex. Your engagement will help us identify areas of improvement and ensure that the platform is a valuable resource for customers like you.
## Register for Brex Community
Any active user on a Brex account can join the Brex Community by following these steps:
**Step 1:** Go to [Brex Community](https://community.brex.com/register) and click _Register_ in the top right.
**Step 2: **Fill out the registration form using the email address associated with your Brex account.
**Step 3: **Once you complete the registration form, your community profile will be confirmed within one business day.
## Using community support
Our [support forum](https://community.brex.com/category/support/discussions/support-forum) is a great place to find tips for using Brex, and our [community](http://community.brex.com) can be a helpful resource for answering questions.
**Note: **When participating in the Brex Community, please remember to communicate kindly and respectfully.
## Community discussions
The Brex Community discussion forum is a space where you can connect with other Brex customers. By participating in the community, you can seek answers to your questions or offer up your own experiences, insights, and solutions. If you want to go a step further, consider joining [Brex Blazers](https://www.brex.com), our customer advocate program.
## Posting
### Creating a new post
Before you post, you can use the search feature to see if your question has already been asked and answered. If you do find an existing post about your question, feel free to share your own experience to help other community members.
If you can’t find any existing threads about your topic, you can create a new post by following these steps:
**Step 1: **Draft a clear and concise title that summarizes your issue or question.
**Step 2: **Provide detailed information in the body of your post. Include relevant context, steps you've taken, and any error messages.
**Step 3: **Use [our recommended formatting](https://community.brex.com/kb/using-the-community/contributing-to-the-community/4) to enhance readability. Bullet points, numbered lists, and code formatting can be helpful.
**Step 4: **Respond promptly to any follow-up questions or requests for clarification from other users or moderators
### Using @ mentions
The community supports two types of @mention capabilities — **user mentions** and **content mentions** — that let you tag other community members and community content within a post.
You can use a content mention to link specific posts within the body of a message. This lets you embed a link to other community content quickly.
**Step 1: **Type the @ symbol and any keywords in the subject or body of the message you want to link to. You can enter multiple words, so long as all words are in the subject and/or body.
**Step 2: **As you type, search results appear in the pop-up. Click on the entry you want to tag.
**Step 3:** When you select an item in the list, the post’s subject is highlighted with a hyperlink in the body of your message.
**Note: **When content is mentioned in posts, authors are sent email notifications.
User mentions let you call out specific users in your post and invite them to join the conversation. Here is how to @mention a user within a post:
**Step 1: **After you click _Reply_, type the “@” symbol followed by their username.
For example, to mention the admin, type “@admin.”
**Step 2: **A pop-up menu appears with matching names as you type. You can continue typing the name or select a name from the list.
**Step 3: **If successfully entered, the mentioned username will be written in blue text.
**Note: **When users are mentioned in posts, they receive an email notification.
### Tags and labels
Be sure to tag your post with relevant labels. This helps others locate your post and ensures it's seen by those who can help.
If you can’t find a relevant tag, you can use the [suggestion box](https://community.brex.com/category/suggest/ideas/suggestion-box) to let us know and we may be able to make it available in the future.
### Monitoring replies and notifications
By [enabling notifications](https://community.brex.com/kb/using-the-community/follows--notifications/6), you’ll receive updates when someone replies to your posts or relevant discussions.
To make sure you don’t miss anything, you’ll want to regularly check your inbox for private messages or updates on your threads.
### Closing the loop
Once your issue is resolved, it’s helpful to update your post and include the resolution in case others have similar issues.
If any community members tried to help, we encourage you to acknowledge them. A positive community encourages collaboration!
### Reporting issues and feedback
You can report any issues with the support forum either from within the forum or by sending the community moderator a message. If you have suggestions for improvement, let us know in the [suggestion box](https://community.brex.com/category/suggest/ideas/suggestion-box). Constructive feedback helps the community platform evolve and meet everyone’s needs.
## Making suggestions
We strongly encourage you to use the Brex Community [suggestion box](https://community.brex.com/category/suggest/ideas/suggestion-box) to submit your ideas, feedback, and suggestions for improving our products, features, and community. Your input is invaluable!
When submitting your suggestion, please use the same guidelines as you would when posting in the Brex community. This includes checking to see if a similar suggestion already exists and tagging your suggestion with relevant labels. Please be specific about your idea and why it will enhance the product experience.
You can also read suggestions from other community members and provide constructive feedback. If you find an idea interesting, you can express this using the voting feature.
---
### [Domestic and international wire transfers](https://www.brex.com/support/domestic-and-international-wires)
A wire is a means of transferring funds to or from your Brex business account. There are two types of wire transfers: domestic wires and international wires.
## Overview
A wire is a means of transferring funds to or from your Brex business account. There are two types of wire transfers:
- Domestic wires: Transfer funds to someone in the United States. These are usually processed on the same day.
- International wires: Transfer funds to a party in a separate country. These can take 0-1 business days, though this depends on the country and processing institutions involved.
You can also pay a bill by wire transfer from a Brex business account or an external account. For instructions on paying bills, refer to this [help article](https://www.brex.com).
You can only send and receive wires from your checking account. You can use the funds in your Treasury or Vault account to make a payment if you transfer them to your Checking account first by following the steps in [this article](https://www.brex.com).
## Domestic wires
A wire is considered domestic if it is both sent to and originates from within the United States or a United States territory (including American Samoa, Guam, Northern Mariana Islands, Puerto Rico, or the Virgin Islands).
### Send an outbound domestic wire
**Step 1: **To initiate a wire transfer, navigate to_ Accounts _in your Brex dashboard and click _Send money.
_You can only send wires from your checking account._
_**Note: **If you have bill pay enabled, your prompts will be _Send funds_ > _To external account_ > _Vendor.
_**Step 2**: Provide the following information:
- Recipient’s full name
- Sender full name
- Recipient phone number
- Sender phone number
- Recipient address
- This cannot be a PO box
- Recipient bank name and information
- Recipient checking account information
- The dollar amount you’re sending
- Recipient bank’s routing number
- Recipient’s account number
If your beneficiary's wiring instructions include "for further credit" or "for benefit of" details, please include this in the memo or description of the wire. The account name and number should match your beneficiary's instructions exactly. After specifying the recipient’s account information with their account business name or recipient name, your memo field should follow this format:
Memo: FFC _[Insert Account Number] _- FFC _[Insert Account Name]_
**Step 3a**: If this is a one-time payment, select _Review_ to confirm the payment details and complete the transaction as scheduled.
**Step 3b:** To repeat this payment, select _Repeat this deposit and _choose how often you’d like the payment to recur (monthly, weekly, or custom frequency).
**Step 4b: **Indicate when you'd like the repeating payment to end.
**Step 5b:** Review the recurring payment details and select _Create recurring payment._
**Step 1:** From your homescreen, click _Accounts_, tap _Send _and choose either_ Domestic wire_ or _International wire.
_**Step 2: **Select a Checking account to use for the payment under _From.
_**Step 3: **Choose an existing recipient and tap _Continue, _or tap _Add new recipient.
_**Step 4:** If adding a new recipient, enter their sending information throughout the next several screens.
**Note:** The required information will differ depending on if you’re sending a domestic or international wire.
If your beneficiary's wiring instructions include "for further credit" or "for benefit of" details, please include this in the memo or description of the wire. The account name and number should match your beneficiary's instructions exactly.
**Step 5:** Enter the payment amount.
**Step 6:** Choose the payment date and whether you want it to repeat.
**Step 7:** Review the payment details and tap _Send_.
### Receive an inbound domestic wire
To have a vendor send you a domestic wire, please provide them with the following information and instructions:
**Note**: If you’ve recently changed your legal business name or “doing business as” (DBA) name, please make sure your vendors have updated this in their records.
- ABA/Routing number: 121145349
- Account number: Your Brex business account number (can be found in _Account details_)
- Account type: Business checking
- Beneficiary name: Your company name (in _Account details_)
- Beneficiary address: Your company’s address (in _Account details_)
- Bank name: Column NA - Brex
- Bank address: 1 Letterman Drive, Building A, Suite A4-700, San Francisco, CA, 94129
**Note: **This is what Brex requires to initiate transfers. If the other party asks for additional information, you may need to get further instructions from them.
To view your wire instructions in your dashboard, follow the steps below:
**Step 1:** Go to _Accounts._
**Step 2:** Select the checking account you’d like to wire the wire instructions for.
**Step 3:** Go to_ Wire instructions >_ _Account Details._
## International wires
A wire is considered international if either the initiator or receiver is located outside of the United States or a United States territory. American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the Virgin Islands are all considered to be US territories.**
Note**: We cannot support transactions in certain regions, listed in the _Regions_ > _Unsupported_ section further down on the page.
### Send an outbound international wire
**Step 1: **Sign in to your Brex dashboard. Navigate to _Accounts > Send money.
_You can only send wires from your checking account._
_**Step 2: **Enter the payment details including the beneficiary information, payment type, and amount.
The following characters are accepted in Swift messages when sending an international wire:
- Alphanumeric: A-Z, a-z, 0-9 and spaces
- . (period)
- , (comma)
- ? (question mark)
- : (colon)
- / (forward slash)
- ( (left parenthesis)
- ) (right parenthesis)
- ' (apostrophe)
- + (plus)
- - (minus/hyphen)
- @ (at)
- To be used only for emails.
**Step 3: **Choose the desired payment date, noting the estimated arrival time on the right side.
You’ll have the option of sending your international wire in either USD or in the local currency of your recipient's country.
**Note**: Some currencies might not be available.
**Step 4:** For one-time payments, select _Review_ to confirm the payment details and complete the transaction. If you'd like the payment to repeat, please read this [help article](https://www.brex.com).
### Receive an inbound international wire
To have a vendor send you an international wire, please provide them with the following information and instructions:
**Step 1:** Enter the following beneficiary bank information:
- SWIFT/BIC code: CLNOUS66BRX
- SWIFT ABA/routing/transit number (if asked): 121145349
- Bank name: Column NA - Brex
- Bank address: 1 Letterman Drive, Building A, Suite A4-700, San Francisco, CA, 94129
**Step 2:** Enter the following intermediary bank information:
- SWIFT / BIC code: CHASUS33XXX
- Bank name: JPMORGAN CHASE BANK, N.A
- Bank address: 383 MADISON AVENUE, New York, New York, 10179
**Note: **You’re not required to provide intermediary bank information, but we recommend doing so to help your wire arrive without delay. Some international banks may attempt to use their own internal intermediary banks instead of following the instructions outlined above. It’s important to note that CHASUS33XXX is the only intermediary bank that can be used.
**Step 3: **Enter the following beneficiary information:
- Beneficiary name: Your Brex business account’s full legal name.
- Beneficiary account number: Your Brex business account’s full account number, which you can find using this [help article.](https://www.brex.com)
- Beneficiary address: Your office address.
**Note: **Brex doesn’t have an IBAN, as IBANs are, more often than not, exclusive to European institutions. If you’re trying to arrange a transfer into your Brex business account and the originator’s transfer form requires an IBAN, please reach out to the sending institution.
To view your wire instructions in your dashboard, follow the steps below:
**Step 1:** Go to _Accounts._
**Step 2:** Select the checking account you’d like to wire the wire instructions for.
**Step 3:** Go to_ Wire instructions >_ _Account Details._
### Local currency
One of the most traditional forms of wiring money involves using the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). However, using the SWIFT network runs your money through several different banks on the way to your destination, often resulting in delays and fees (especially currency fees). For instance, if you send an international wire from Brex to your supplier in Beijing, the wire might pass through Barclays London and Bank of Hong Kong before it’s deposited in your recipient’s account at Bank of China Beijing.
To help avoid this, you can send an international wire in the local currency of the wire’s destination (sometimes called “foreign currency wires” or “FX wires”). Choosing to send payment in local currency as opposed to in USD gives you the following advantages:
- **Streamlined delivery. **With fewer intermediary banks involved in local currency wire transactions, wires typically take less time to process and arrive sooner than wires sent in USD.
- **Fewer fees.** Because fewer intermediary banks are involved, it reduces opportunities for added processing fees to be deducted from your wire. As a result, you can have higher confidence that your beneficiary will receive the amount you sent (although their bank may still charge them fees to receive the wire).
International wires can be sent from your Brex business account to any country listed under Supported. We cannot support transactions in any of the Unsupported regions. If you use your Brex Business Account to send an international wire transfer in a currency other than U.S. dollars, then we will choose the foreign exchange rate (“FX Rate”) for that transfer at our sole discretion. See your Brex business account agreement for more details.
**Note:** Brex business accounts can send local currency wires, but can only receive international wires in USD. FX-denominated wires will be converted by our banking partner before being received in your Brex business account.
### Regions
If a country is not expressly listed under the Supported section below, we don’t support international wires sent to or from that country. Some of the regions we cannot support include:
- Afghanistan
- Antarctica
- Belarus
- Crimea
- Cuba
- Donetsk
- Iran (Islamic Republic of)
- Korea (Democratic People's Republic of)
- Luhansk
- Macedonia
- Myanmar
- Russia
- Saudi Arabia
- South Sudan
- Sudan
- Syrian Arab Republic
- Venezuela (Bolivarian Republic of)
- Yemen
**Note: **This list is ever evolving and is subject to change.
Brex can facilitate transactions to all of the following locations, with available currency options listed on the right.
You can pay bills via international wire—using either your Brex business account or external bank account as a funding source—to the locations listed in the table below. The payment will be sent in USD.
**Note**: If you use a local currency wire to pay the bill, it must be funded by a Brex business account, rather than an external bank account.
## Reverse wires
Reverse wires, also known as a wire drawdown or draw-down requests, allow you to authorize a payroll provider to withdraw funds directly from your bank account if they need you to use reverse wires to process their payroll correctly.
Payroll providers often prefer reverse wires because they pull money directly from your account and are preferable for large, recurring transactions (even if the exact amount of the recurring payment varies).
Reverse wires also help Brex customers in a few important ways:
- Reliability: If you have enough funds in your account, wire drawdowns are much more likely to go through than ACH debit or check transactions.
- Cash on hand: Wire drawdowns are processed in real time, like a wire, so the withdrawal date is usually less than two days before payroll. By leaving money in your bank account longer, you have more cash on hand.
- Easy reconciliation: If you regularly send employee payroll, contractor payroll, and payroll tax payments every two weeks, wire drawdowns will consolidate all three payroll withdrawals into a single transaction.
**Step 1:** Click_ Accounts_ > _Business accounts_. Select the account you’d like to set up payroll for, and click _Account Settings > Settings > Manage _next to _Payroll connection_.
You can only set up reverse wires with your checking account.
**Step 2:** Select your payroll provider from the dropdown menu. If you don’t see it on the list, you can type it in manually.
**Step 3:** Select whether you’d like to connect via ACH debit or reverse wires.
**Step 4: **To use your payroll connection for reverse wires, verify your information, enter your provider’s information and authorize the payment in your dashboard.
**Step 5: **Finalize the process by logging into your provider’s portal and connecting your payroll provider through your provider’s instructions.
After setting up the authorization, you can initiate the transaction from your payroll provider’s platform. You can find the reverse wire authorization in the _Vendors_ tab under the name of your payroll provider.
You can easily revoke a reverse wire authorization by following the steps below.
**Step 1:** In your dashboard, navigate to _Vendors_ and search the _Payroll Provider_.
**Step 2:** Select the red icon next to the _Reverse Wire Authorization_.
**Step 3:** Confirm that you’d like to revoke the authorization.
## Disclaimer
_If you use Brex Business Account to send an international wire transfer in a currency other than U.S. dollars, then we will choose the foreign exchange rate (“FX Rate”) for that transfer at our sole discretion. Please see your Brex business account agreement for more detail._