Brex partners with Fifth Third Bank to unlock $5.6 billion in commercial card volume using AI-powered finance technology. The fintech firm becomes the default commercial card provider for the regional bank’s thousands of business clients. This strategic partnership transforms how enterprises manage corporate spending and expense automation.
🔥 Quick Facts
- $5.6 billion in commercial card volume migrates to Brex’s embedded payments platform
- Partnership announced December 9, 2025 by both Fifth Third and Brex leadership
- AI-native finance automates expense reporting and streamlines financial operations
- Brex becomes default corporate card solution for tens of thousands of Fifth Third commercial banking clients
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Fifth Third Bank, a top 20 U.S. financial institution based in Cincinnati, struck a multi-year deal with Brex to transform its commercial card offering. The partnership makes Brex the exclusive provider of corporate cards and expense management tools for Fifth Third’s entire commercial banking division.
This collaboration represents one of Brex’s largest banking partnerships in the embedded finance space. The company continues expanding its reach beyond direct-to-business customers by partnering with established regional and national banks seeking to modernize legacy financial systems.
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Brex brings cutting-edge AI-native finance technology to Fifth Third’s commercial clients through its embedded payments infrastructure. The platform automates critical finance functions that traditionally require manual intervention and multiple systems.
The technology delivers real-time expense reporting automation, intelligent spend controls, and advanced financial analytics. Finance teams gain complete visibility into corporate spending patterns while AI algorithms detect unusual transactions and flag potential compliance risks automatically.
| Partnership Component | Details |
| Commercial Card Volume | $5.6 billion in annual payment volume |
| Default Card Solution | Thousands of Fifth Third commercial clients |
| Technology Platform | Brex Embedded payments infrastructure |
| Key Features | AI automation, expense management, spend controls |
| Partnership Timeline | Multi-year strategic deal announced December 2025 |
What This Means for Fifth Third’s Commercial Banking Clients
Fifth Third’s business customers gain access to modern financial technology without switching banks or establishing new relationships. The integration happens seamlessly through Fifth Third’s existing digital banking platform, providing clients a frictionless transition.
Commercial banking clients benefit from enhanced financial controls, reduced administrative burden, and faster expense-to-reporting cycles. The AI-powered platform learns spending patterns and provides intelligent insights to help businesses optimize their commercial spending strategies.
Why Regional Banks Are Turning to Fintech Partners for Card Solutions
Traditional commercial banks increasingly recognize that building modern payment technology in-house requires massive investment in AI engineering talent, infrastructure costs, and years of development. Strategic partnerships allow established banks to serve clients with cutting-edge solutions faster.
Fifth Third’s deal with Brex follows an industry trend toward modular finance architecture. Banks select best-in-class fintech providers for specific capabilities rather than attempting to build comprehensive platforms internally. This approach lets banks focus on client relationships and regulatory compliance while fintech companies focus on technology innovation.
What Makes This Partnership Significant for Both Companies?
For Brex, this partnership demonstrates strong enterprise market penetration and validates its embedded finance platform strategy. Prior to this announcement, Brex disclosed that Brex Embedded processed $2 billion in transaction volume as of September 2025. This $5.6 billion partnership represents substantial growth in embedded payment volume.
Fifth Third gains a competitive advantage against other regional banks by offering AI-native financial tools previously available only at larger banks or direct fintech clients. The partnership supports Fifth Third’s digital banking strategy and enhances its appeal to sophisticated commercial customers demanding modern financial technology.
Patrick Graham is a business and finance journalist translating Wall Street’s complexities into stories that matter to everyday readers. With extensive experience in financial journalism and economic analysis, this expert journalist provides sharp insights on market trends, corporate developments, and the economic forces affecting daily life. His reporting helps readers make sense of the business world’s biggest moves.