Brex · paying abroadUpdated October 2026
How Brex sends money abroad, what it costs and how long it takes, against paying suppliers in their own currency over the rail their bank already uses.
BusinessCardholder
Maya Chen
The short answer
Brex charges no fee of its own on domestic or international wires and sends them to 100+ countries, setting the exchange rate on non-USD wires itself. Card spend that needs currency conversion carries a markup of up to 3%. Anytime Capital pays on local rails in 71+ countries and 38 currencies (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), in minutes to the same day, with SWIFT for the rest and same-day USDC and USDT transfers.
Row by row, from Brex's own published pages and ours.
| Category | | |
|---|---|---|
| How money arrives | International wire | Local rails in 71+ countries and 38 currencies (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), plus SWIFT and same-day stablecoin transfers |
| Exchange and fees | Brex sets the rate on non-USD wires; card FX up to 3% | Shown before you send, in the dashboard and on /fees-and-limits |
| Speed | Wire timing; varies by corridor | Instant on SEPA Instant, Faster Payments, PIX, SPEI, UPI and PayNow; minutes to same day elsewhere |
| Currencies | Wires in USD and other currencies | 38 currencies paid locally |
| Stablecoin option | No | Same-day USDC and USDT transfers to a supplier's wallet |
Brex capabilities reflect publicly available information as of October 2026.
Payouts in local currency
Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.
AustriaEURInstant
BelgiumEURInstant
BulgariaEURInstant
CroatiaEURInstant
CyprusEURInstant
CzechiaEURInstant
DenmarkEUR · DKKInstant
EstoniaEURInstant
FinlandEURInstant
FranceEURInstant
GermanyEURInstant
GreeceEURInstant
HungaryEURInstant
IcelandEURInstant
IrelandEURInstant
ItalyEURInstant
LatviaEURInstant
LiechtensteinEURInstant
LithuaniaEURInstant
LuxembourgEURInstant
MaltaEURInstant
NetherlandsEURInstant
NorwayEURInstant
PolandEURInstant
PortugalEURInstant
RomaniaEURInstant
SlovakiaEURInstant
SloveniaEURInstant
SpainEURInstant
SwedenEURInstant
SwitzerlandEURInstant
TürkiyeTRYBank transfer
United KingdomGBPInstant
BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant
BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer
BeninXOFMobile money
BotswanaBWPMobile money
CameroonXAFMobile money
Congo - BrazzavilleXAFMobile money
Côte d’IvoireXOFMobile money
EgyptEGPBank transfer
GhanaGHSBank transfer
IsraelILSBank transfer
KenyaKESMobile money
MalawiMWKMobile money
NigeriaNGNBank transfer
RwandaRWFMobile money
SenegalXOFMobile money
South AfricaZARBank transfer
TanzaniaTZSMobile money
TogoXOFMobile money
UgandaUGXMobile money
United Arab EmiratesAEDBank transfer
ZambiaZMWMobile moneySEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.
One platform
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
Operating accountAvailable
$482,310.55
Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000SendingReceive by ACH, wire, RTP and FedNow in your business's own name
Pay suppliers and contractors in 71 countries over the rail their bank already uses
SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else
Card sales land in the same balance the minute they settle
Save and earn more
Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.
$50,000
Saved per year
up to $5,781
vs the highest processor rate above
Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.
Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
In detail
Brex charges no fee of its own on domestic or international wires and sends them to 100+ countries, setting the exchange rate on non-USD wires itself. Card spend that needs currency conversion carries a markup of up to 3%.
Brex's strength is corporate cards and expense policy across many entities, with local cards in 60+ countries and ERP integrations wired into approvals; international payments ride on wires.
A wire travels through correspondent banks, each of which can take time and a fee, and the recipient's bank often charges to receive it. A local rail is the domestic system the recipient's bank already uses: SEPA Instant in the euro area, Faster Payments in the UK, PIX in Brazil, SPEI in Mexico, UPI in India, PayNow in Singapore and mobile money across much of Africa.
Paid that way, a supplier in Stuttgart, Guadalajara or Kochi gets euros, pesos or rupees in their own account, often in seconds. Anytime Capital pays 71+ countries this way from the same balance your sales land in.
Launch offer
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.
No Brex fee on international wires to 100+ countries
Brex-set rate on non-USD wires; card FX markup up to 3%
71+ countries in 38 currencies, across Europe, the Americas, Asia-Pacific, the Middle East and Africa. The full list, with each country's currency and fastest rail, is on this page.
Yes. Send USDC or USDT to a contractor's wallet the same day, including weekends, from the same balance as your dollars.
No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners.