Head-to-head · Finance
Brex vs Holvi
Which one to pick in 2026 — comparing 🇺🇸 Brex with the European alternative 🇪🇺 Holvi on the things that actually decide who can read your data.
🇺🇸 Brexvs🇪🇺 Holvi
Verdict
Who has stronger privacy guarantees by law?
Holvi — GDPR-native and outside the US CLOUD Act / FISA 702 reach.
Which one encrypts your data end-to-end by default?
Neither ships full E2E by default — check the table for nuance.
Which one tracks you for ads?
Neither monetises through ad tracking.
Which one is open source?
Holvi is not fully open source — check details.
Side-by-side
Brex vs Holvi — full comparison
Criteria
🇪🇺 Holvi
🇺🇸 Brex
Headquarters
Helsinki
San Francisco, USA
Jurisdiction
Finland
USA
Data location
EU
US
GDPR-native
Yes
No
CLOUD Act / FISA exposed
No
Yes
Ad tracking
No
No
End-to-end encryption
No
No
Open source
No
No
Ownership
Private
Brex Inc.
Founded
2011
2017
Make the switch
Try Holvi instead of Brex
Business account and invoicing for freelancers and small companies.
Other European alternatives to Brex