Choosing a bank: Mercury, Wise, Relay, or Brex
A side-by-side comparison of the four business banking providers the Banking autopilot supports, and who each one fits.
The Banking autopilot supports four providers. None is strictly better — the right pick depends on where you live, what your company does, and how you move money. The agent recommends one and explains its reasoning, but here's the shape of the choice.
The four providers
| Provider | Best for |
|---|---|
| Mercury | US startups and non-resident founders who want a clean, modern US account with virtual cards and API access. |
| Wise | Founders who invoice and get paid in multiple currencies and want low-cost cross-border transfers with local account details. |
| Relay | Operators who want multiple sub-accounts for budgeting and cash-flow separation, and role-based access for a team or bookkeeper. |
| Brex | Venture-backed C-Corps that want corporate cards and spend management alongside the account. |
How to decide
- Multi-currency revenue? Wise gives you local account details in several currencies, which cuts conversion cost.
- Non-resident LLC? Mercury is the common default — familiar to the agent's KYC coaching and widely accepted by payment processors.
- Want to separate cash by purpose? Relay's sub-accounts make it easy to ring-fence tax, payroll, and operating money.
- Raising venture capital as a Delaware C-Corp? Brex pairs well with the C-Corp and VC workflow.
Approval is always the provider's decision, not FormBridge's. Eligibility can depend on your country of residence and business activity — the agent picks the provider most likely to approve your specific situation and coaches the application to match.
Whichever you pick, the next step is the same: a clean application that survives review. Read passing bank KYC before you submit, or see the Banking autopilot overview.