Best Business Bank Accounts · head-to-head
Lili vs Brex
A sourced, side-by-side comparison for business bank accounts. Lili has the lower entry price. Every figure links to the vendor's own page and the date we captured it.
At a glance
- Price: Lili $0/mo vs Brex $0/mo — Lili is cheaper to start.
- Free tier: Lili Yes; Brex Yes.
- HIPAA: Lili —; Brex —.
Side by side
| Lili | Brex | |
|---|---|---|
| Entry price | $0/mo (Lili Core) | $0/mo (Essentials) |
| Free tier | Yes | Yes |
| HIPAA (BAA) | — | — |
| SOC 2 | — | Yes |
| GDPR | — | — |
| Best for | Freelancers and solopreneurs | VC-backed startups seeking to extend runway with yield |
Sources — Lili: lili.co (verified 2026-06-14). Brex: brex.com (verified 2026-06-14).
Key features
Lili: Business checking with Visa debit card (all plans); High-yield savings up to 4.00% APY (all plans); FDIC insurance up to $3M through partner bank sweep network; ACH, check, and wire payment support; Business credit access; Expense categorization and tax management tools (Pro+); Accounting software with automated bookkeeping (Smart+); Invoicing and bill management (Smart+); Receipt capture (Smart+); Dedicated priority support with specialist (Premium); BusinessBuild credit-building program with D&B reporting (add-on); Privacy policy appoints VeraSafe as EU/UK GDPR representative
Brex: SOC 1 Type II and SOC 2 Type II certified; PCI-DSS compliant; 24/7 AI-powered fraud monitoring with dedicated application security team; Corporate cards with no personal guarantee required; Treasury account earning up to 4.36% yield from first dollar; Checking account via Column N.A. with unlimited free same-day ACH, checks, and domestic wires; Up to $6M FDIC insurance through Vault program; Up to 240 checking sub-accounts under one Business Account; Built-in travel booking and expense management; Automated accounts payable with integrated bill pay; Multi-entity support (Premium+); Local card issuance in 50+ countries (Enterprise); Automated VAT tracking (Enterprise)