User limits
You can request a user limit increase from your admin or manager at any time, right in your Brex dashboard.
Step 1: In your dashboard, go to Card > Manage cards.
Step 2: Below your current Monthly limit, click Request a limit increase.
Note: This will only be possible if you don’t already have a temporary user limit increase request in place.
Step 3: Input the new limit you’d like to request, the time frame of the requested limit, and the reason for the request.
Step 4: Click Submit.
After submitting, your approver will receive an email notification about your request.
Account limits
We understand that your business needs may change and there may be times you need to spend more than your credit limit allows. There are a number of ways that you can request a higher credit limit. Please reference the relevant section below.
Credit limits are dynamic by design and are adjusted on a regular basis depending on your company's spending patterns, cash balance, and sales (if you're an ecommerce company).
Daily payments
The credit limit for your Brex card with daily payments is determined primarily by the funds available in your Brex business account. External bank accounts connected to your Brex account won’t impact your credit limit.
Your limit will be up to 100% of your current cleared Brex business account balance. To increase your limit, initiate a transfer from an external bank account so that your Brex business account balance equals your desired limit amount.
Our guide on How to add funds to my Brex business account provides further instructions on initiating transfers.
Monthly payments
Credit limits for Brex cards with monthly payments are dynamic by design and are regularly adjusted according to your company's spending patterns, cash balance, sales (for certain customers), and other factors. The range is generally ~5-20% of your bank account balance.
If you currently have an existing bank connection with Brex, it may need to be reconnected. This will ensure that we have the most up-to-date picture of your finances and can adjust your credit limit appropriately. If you're having issues reconnecting, please read I'm having issues connecting my bank account to Brex.
If you don’t currently have a bank connection with Brex, you can submit your most recent bank statements instead. Please reach out to our support team so that we can provide you with a secure link to do so.
Account admins can request a limit increase once every 30 days from their Brex dashboard by following the steps below.
Step 1: From your dashboard, click Card > Overview, and then, click Understanding your credit limit.
Step 2: In the details pane, click Request higher credit limit.Provide details on the amount and reason for the request.
Note: The details pane will update once your request has been reviewed.
60-day payments
Approved ecommerce customers may link their sales platforms to Brex and give us read-only access. With this visibility over your 30-day net sales, we’ll adjust your credit limit accordingly.
Budget limits
You can request a budget limit increase from your admin or manager at any time, in either your Brex dashboard or your app. Once requested, the budget limit increase request will be sent to your admin or manager for approval.
In your dashboard
Step 1: Go to Budgets and click on the tile for the budget that you want to increase the limit of.
Step 2: In the top right, click the three dots > Request limit increase.
Step 3: Under Increase amount, put the dollar amount that you’d like to increase your overall limit by. Check the box if you want this increase to be temporary, and provide the reason for the request.
Step 4: Click Submit request.
In your app
Note: Please make sure you’ve updated your Brex app to the latest version.
Step 1: In Wallet, tap Manage and select the budget you want to increase the limit of.
Step 2: Tap Request limit increase.
Step 3: Under Amount, put the dollar amount that you’d like to increase your overall limit by. Check the box if you want this increase to be temporary, and provide the reason for the request.
Step 4: Tap Continue, review the request, and tap Submit.
Account limits
We understand that there may be months you need to spend more than your credit limit allows. There are a number of ways that you can request a higher credit limit. Please reference the relevant section below.
Credit limits are dynamic by design and are adjusted on a regular basis depending on your company's spending patterns, cash balance, and sales (if you're an ecommerce company).
Daily payments
The credit limit for your Brex card with daily payments is determined primarily by the funds available in your Brex business account. External bank accounts connected to your Brex account won’t impact your credit limit.
Your limit will be up to 100% of your current cleared Brex business account balance. To increase your limit, initiate a transfer from an external bank account so that your Brex business account balance equals your desired limit amount.
Our guide on How to add funds to my Brex business account provides further instructions on initiating transfers.
Monthly payments
Credit limits for Brex cards with monthly payments are dynamic by design and are regularly adjusted according to your company's spending patterns, cash balance, sales (for certain customers), and other factors. The range is generally ~5-20% of your bank account balance.
If you currently have an existing bank connection with Brex, it may need to be reconnected. This will ensure that we have the most up-to-date picture of your finances and can adjust your credit limit appropriately. If you're having issues reconnecting, please read I'm having issues connecting my bank account to Brex.
If you don’t currently have a bank connection with Brex, you can send us your most recent bank statements instead. Please reach out to our support team so that we can provide you with a secure link to do so.
Account admins can request a limit increase once every 30 days from their Brex dashboard by following the steps below.
Step 1: From your homepage, click Understanding your credit limit.
Step 2: In the details pane, click Request higher credit limit. Provide details on the amount and reason for the request.
Note: The details pane will update once your request has been reviewed.
60-day payments
Approved ecommerce customers may link their sales platforms to Brex and give us read-only access. With this visibility over your 30-day net sales, we’ll adjust your credit limit accordingly.