Manage your bank accounts for payments to Brex
Overview
Account and card admins can connect bank accounts for a variety of use cases, including underwriting, funding your Brex business account, paying your Brex card statement, funding employee reimbursements, or bill payments , and to repay any amounts owed to Brex. External bank accounts can be connected and managed from the Accounts page.
If you are an employee looking to connect your personal bank account to make a repayment or receive a reimbursement, refer to this help article.
Connect a bank account for payments and transfers
Linking your external bank account to Brex is the first step toward streamlined financial management. This connection allows you to fund your Brex business account and handle payments efficiently.
Before you connect, please ensure your account meets these qualifications:
- For business accounts, the business name on the bank account must match the name or the DBA name on your Brex profile or the name of a parent company or subsidiary with an active Brex account.
Note: We cannot use a personal bank account as a funding source for payments to Brex.
In your dashboard
Step 1: Navigate to your Brex dashboard and go to Accounts.
Step 2: Click on Add account.
Step 3: Select Connect external account.
Step 4: Follow the prompts to enter your online banking credentials.
Step 5: (Optional) You have the option of saving your phone number through Plaid's system, which some institutions use for verification.
Remove a bank account
If you would like to disconnect a bank connection, you can do so at any time by following the steps below:
Step 1: Go to Accounts > Connected accounts.
Step 2: Find the bank you'd like to disconnect.
Step 3: In the side panel, click Disconnect.
Fix a bank account connection
We may occasionally lose connection to your bank account, for example, if your credentials have changed. If we detect an issue with your account connection, we will show Fix required next to the applicable connection on your external bank account page. Clicking on it will direct you to update your connection.
Troubleshooting
If you have issues connecting or reconnecting your bank to Brex, please try the following troubleshooting suggestions.
- Role type
- Only account admins and card admins can add a bank connection.
- Accurate bank credentials
- To make sure your bank account credentials are correct, connect your bank account from scratch and manually type in your credentials instead of pre-filling them.
- Ensure that the credentials you are using are set up with the correct permission to share information with 3rd parties.
If you're still having issues, please contact Brex Support so that we can help troubleshoot or discuss a temporary solution.
Connect an autopay account
An account, card admin, or any other user with the specific product capability chooses an account to use for card payments during account setup for any account making monthly payments. This is the account from which payments will be pulled to settle your outstanding balance at the end of your statement period, and can be either a Brex business account or an external business bank account.
If you choose an external bank account, we'll deposit and withdraw $.01 for validation before the account can be used as a funding source. This process takes 1-3 days to complete.
Because failed payments result in immediate credit limit reductions, it's critical that you set up an active bank account with sufficient funds to pay your Brex statement.
For certain payment services, such as Brex’s Bill Pay product, we may also run a balance check on your connected account before pulling funds. Please reach out to Brex Support if you intend to use a zero-balance account for these purposes.
Add a new autopay account
After your initial account setup, you can always add a new external bank account with the intent of using it to make automatic payments to Brex. This can be done by an account or card admin by following the steps below.
Important: To avoid any service interruptions, confirm with your bank that Brex is allowlisted for ACH payments with these details:
- Organization name:
- Brex Inc.
- Brex LLC
- Organization ID: 8195391000 and 9121145349
In your dashboard
Step 1: Go to Accounts > Add an account.
Step 2: Follow the prompts to enter your online banking credentials.
Step 3: Choose whether you want to verify and securely save your phone number through Plaid’s system. Some institutions may use a phone number for verification purposes instead of your login credentials.
Step 4: Wait until the external account receives a microdeposit to validate the connection. Once verified, the account can be used as a funding source.
Step 5: Once connected, go to Accounts > Credit > (if applicable, choose an entity).
Step 6: Click Update Autopay and select your newly-connected bank account to act as your autopay account.
Step 7: (Optional) Enable early autopay to initiate an automatic payment when your used spend reaches a certain threshold.
Add a new local autopay account
We support autopay as a payment method for certain countries, which lets you automatically fund your card payments in local currency. In addition to the steps above, complete the following in order to add a new account for global autopay:
In your dashboard
Step 1: Go to Edit billing settings and select the entity you want to configure autopay for.
Step 2: Choose the local currency and click Autopay > Add account.
Step 3: Fill in the account details, business name, and address.
Step 4: Upload a bank statement from the last 90 days for the account you’re connecting. The legal entity’s name on the statement should match your entity’s name in your Brex account.
Step 5: Read through the terms and conditions for your area and grant our financial partner the ability to pull funds from your account.
Step 6: Wait until your connected account receives two micro-deposits from our partner. These micro-deposits can take up to 5-6 business days to appear, and won’t be debited afterward.
Step 7: Once you’ve received the micro-deposits, go to Accounts > External accounts.
Step 8: Click on your newly linked bank account. It should still say Verification required.
Step 9: Click Verify and enter the exact amount of both micro-deposits.
Note: You’ll have three chances to verify the micro-deposit amounts correctly. If not completed within these three tries, the attempt to link your external account will fail. Out of security considerations, you must then begin this process again from the first step.
If you successfully confirm the amount of the micro-deposits, your autopay account will connect, and you can use it as an autopay funding source for your reimbursement bills as well.
Note: In accordance with EU and UK regulations, connecting a local autopay account in the EU may require you to complete Strong Customer Authentication (SCA) before paying either reimbursements to employees or vendors via bill pay. You can complete Strong Customer Authentication for reimbursements through the entities page by entering a one-time password. You only need to complete this once for any given payment recipient.
Supported currenciesPremiumEnterprise
With local autopay, you can fund payments with a local bank account in the following countries and currencies:
If you have an entity in Canada, you can pay your statement in CAD.
If you have an entity in any of the 36 single Euro payments area (SEPA) countries, you can pay your statement in EUR. These countries include the 27 EU countries and 9 non-EU countries—Andorra, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, UK, Vatican City.
If you have an entity in Australia, you can pay your statement in AUD.
If you have an entity in the United Kingdom, you can pay your statement in either GBP or EUR. However, you cannot pay in both currencies—you must choose one or the other when you configure billing for your entity.
Please refer to this article for more information on billing groups.
Change autopay account
An account or card admin can update their autopay account at any time by following the steps below.
In your dashboard Smart card Essentials
Step 1: Go to Accounts > Credit > (if applicable, choose an entity).
Step 2: In Credit, click either Manage > Manage autopay or Credit > Manage payment settings.
Step 3: If you’d like to change the autopay of a foreign entity, select the entity’s billing currency and set the payment method to Autopay.
Step 4: Choose a connected autopay account from the dropdown, or click Add external account to establish a new connection. You can also connect an external bank account by following the prompts.
Step 5: Click Confirm.
In your dashboard Premium Enterprise
Step 1: Go to Accounts > Credit > (if applicable, choose an entity).
Step 2: In Credit, click either Manage > Manage autopay or Credit > Manage payment settings.
Step 3: If you’d like to change the autopay of a foreign entity, select the entity’s billing currency and set the payment method to Autopay.
Step 4: Choose a connected autopay account from the dropdown, or click Add external account to establish a new connection. You can also connect an external bank account by following the prompts.
If the bank account you want to connect is outside of the U.S., please upload the most recent bank statement for this account. The bank account name on this statement should match the business name.
Step 5: Click Confirm.
Updates to accounts held by Mercury
Mercury is migrating from Evolve Bank & Trust to Column N.A. If you have sent payments to the routing number 084106768 or have linked a Mercury account as a funding source with Brex, please confirm your account and routing numbers with Mercury directly to prevent failed transactions. To ensure uninterrupted transfers, please disconnect your Mercury account in Brex and reconnect the account by navigating to Accounts > Add account > Connect external account.