Conta Simples alternatives
10 products compared · Updated October 16, 2026
The short answer
For startups and operators comparing Conta Simples alternatives, the three strongest options are Brex for global operations with multi-entity support, Pleo for European or US teams needing automated expense workflows, and Nubank Business for Brazilian small businesses wanting a free, simple bank account. Brex suits international companies, Pleo fits small to mid-sized teams in Europe or the US, and Nubank Business is best for Brazilian firms that don't need advanced spend controls.
Your shortlist, at a glance
Read the comparisons ↓- LLiveRampFrom $20,000/yrEnterprise marketing teams that need to connect customer data across media platforms and measure campaign impact.
BrexNot publishedStartups and mid-sized companies with international operations that need global spend controls and multi-entity accounting.
CajuNot publishedBrazilian companies that want to centralize employee benefits, expense cards, and people management with zero fees.
PleoFrom $14/user/moSmall to mid-sized companies in Europe or the US that need corporate cards with flexible limits and automated expense workflows.
Nubank BusinessNo monthly feeBrazilian small businesses that want a free business bank account and card from a familiar provider, without needing advanced spend controls.
ExpensifyNot publishedTeams with existing corporate cards and accounting stacks that want AI-powered expense reporting and global reimbursements.- AAmerican Express BusinessNot publishedEstablished companies in the US or UK that want corporate cards with rewards and travel perks, not a full local banking platform.
SAP ConcurNot publishedMultinational companies that need global travel and expense management with ERP integrations
RebillNot publishedLATAM-focused businesses that need a single integration for local payments and subscriptions across Mexico, Colombia, Brazil, Argentina, Chile, and Peru.- CCapchaseNot publishedB2B software and hardware vendors that want to offer financing to close enterprise deals
About Conta Simples and its alternatives
Conta Simples is a financial platform for Latin American startups and SMBs. It offers unlimited virtual cards, AI-driven dashboards, cashback, a global account, and integrations with ERPs. It is known for simplifying expense management with real-time control and reducing manual work.
When comparing alternatives, weigh pricing structure, regional coverage, integrations, support, and contract terms. Some tools have flat monthly fees, others charge per user or require custom quotes. Check if the product supports local payment methods like Pix and boleto, and whether it integrates with your accounting stack. Consider the level of customer support and whether contracts are flexible or require long-term commitments.
Explore the alternatives
- LFrom $20,000/yr
1.LiveRamp
Best for: Enterprise marketing teams that need to connect customer data across media platforms and measure campaign impact.
- Pricing
- From $20,000/yr
- Category
- Marketing & Sales
LiveRamp is a data collaboration network for marketing, not a corporate card or expense platform. It connects customer data across platforms to help large brands reach audiences and measure ad performance. Choose it instead of Conta Simples when your priority is identity resolution and marketing measurement, not day-to-day spend management.
Where it is strong
- Connects data across major platforms like Disney, Netflix, and TikTok
- Consumption model scales with usage, with volume discounts
- Strong privacy controls and platform neutrality
Where it falls short
- High entry cost, not for small businesses or startups
- Focused on marketing data, not financial operations
- Pricing:
- Pricing starts at $20,000 per year for Standard, $150,000 for Premier, and $360,000 for Enterprise, with token-based consumption and add-ons.
- Not published
2.Brex
Best for: Startups and mid-sized companies with international operations that need global spend controls and multi-entity accounting.
- Pricing
- Not published
- Category
- Finance & Accounting
Brex is a global finance platform with corporate cards, expense management, bill pay, and banking. Choose it over Conta Simples if your company operates across multiple countries and needs local-currency cards and multi-entity support.
Where it is strong
- Global card acceptance in 210+ countries and local-currency cards in 50+ countries.
- AI-powered expense automation and accounting integrations with 1,000s of ERPs.
- Up to 3.92% yield on business account balances and up to $6M in FDIC insurance.
Where it falls short
- Pricing is not transparent. You must contact sales for Premium and Enterprise.
- May be overkill for Brazil-only teams that need local Pix and boleto payments.
- Pricing:
- Pricing is not published on the site. Plans are Essentials (free to start), Premium, and Enterprise, with custom quotes for Enterprise.
- Not published
3.Caju
Best for: Brazilian companies that want to centralize employee benefits, expense cards, and people management with zero fees.
- Pricing
- Not published
- Category
- Finance & Accounting
Caju is a benefits and expense management platform for Brazilian companies, combining meal, food, and culture benefits with corporate cards and people management in one place. You would choose it over Conta Simples if your main need is managing employee benefits alongside expenses, not just corporate spend.
Where it is strong
- Zero-fee platform for benefits and expenses
- Integrated benefits, cards, and people management in one dashboard
- High NPS, praised for intuitive onboarding
Where it falls short
- No published pricing, so cost is unclear
- Focused on benefits, may lack advanced spend controls like Conta Simples
- Pricing:
- Pricing is not published on the site.
- From $14/user/mo
4.Pleo
Best for: Small to mid-sized companies in Europe or the US that need corporate cards with flexible limits and automated expense workflows.
- Pricing
- From $14/user/mo
- Category
- Finance & Accounting
Pleo is a spend management platform that gives employees corporate cards and automates expense reporting, receipt capture, and accounting sync. Choose it over Conta Simples if you are a European or US company that wants a broader set of spend controls and integrations with tools like Xero and QuickBooks, rather than a Brazil-focused financial platform.
Where it is strong
- AI-powered expense reviews catch out-of-policy spending automatically
- Cards work with Google Pay and Apple Pay, and ATM withdrawals are free
- Syncs transactions to major accounting tools like Xero, QuickBooks, and NetSuite
Where it falls short
- Cashback is only for eligible customers and not included in the Build plan
- Pricing is per user, which can get expensive for larger teams compared to Conta Simples' flat monthly fee
- Pricing:
- In the United States, Pleo's plans start at $14 per user per month (billed yearly) for the Build plan, and $18 per user per month for Optimise. Card payments incur a foreign exchange fee of 1.75% on Build and 1.49% on Optimise.
- Switching from Conta Simples:
- Moving from Conta Simples to Pleo means setting up new cards and migrating your expense categories and accounting integrations, but the process is straightforward since Pleo supports many common accounting tools.
- No monthly fee
5.Nubank Business
Best for: Brazilian small businesses that want a free business bank account and card from a familiar provider, without needing advanced spend controls.
- Pricing
- No monthly fee
- Category
- Finance & Accounting
Nubank Business is a corporate account and card from Nubank, aimed at Brazilian businesses that want a simple banking product without the expense management features of Conta Simples. It suits companies that already use Nubank personally and want a free business account with a no-fee card.
Where it is strong
- No monthly fee for the Nu Empresas account or card
- Free Pix and TED transfers
- Tap to Pay and payment link options with published rates
Where it falls short
- No virtual cards or expense categorization features
- No cashback or AI insights for spend management
- Pricing:
- The Nu Empresas account has no monthly fee, no card fee, and no charge for Pix or TED. International purchases use PTAX plus 4% and IOF of 3.5%.
- Not published
6.Expensify
Best for: Teams with existing corporate cards and accounting stacks that want AI-powered expense reporting and global reimbursements.
- Pricing
- Not published
- Category
- Finance & Accounting
Expensify is a global spend management platform that handles expense reports, receipt scanning, travel booking, reimbursements, and corporate cards. It is a good fit if you already use tools like QuickBooks or NetSuite and want to keep your existing bank cards while adding expense automation. Choose it over Conta Simples if you operate outside Latin America or need deep accounting integrations.
Where it is strong
- Bring your own cards (BYOC) works with 10k+ banks globally, so you don't have to switch issuers.
- Receipt scanning via app, email, or text, with automatic categorization and policy checks.
- 45+ integrations including QuickBooks, NetSuite, Sage Intacct, Xero, and Workday.
Where it falls short
- No local Brazilian Pix or boleto payments, which Conta Simples offers.
- Pricing details are not shown publicly, so you have to contact sales or sign up to see costs.
- Pricing:
- Pricing is not published on the site.
- ANot published
7.American Express Business
Best for: Established companies in the US or UK that want corporate cards with rewards and travel perks, not a full local banking platform.
- Pricing
- Not published
- Category
- Finance & Accounting
American Express Business provides corporate cards and expense management for companies that already operate with Amex or want its rewards and global acceptance. Choose it over Conta Simples if you need a well-known card network with travel benefits and don't require the local Brazilian banking features like Pix or boleto payments.
Where it is strong
- Wide global acceptance and strong rewards programs
- Additional cards for employees with spend controls
- Amex Offers provide discounts at many merchants
Where it falls short
- No local Brazilian features like Pix or boleto payments
- Fees and terms vary by country and card type
- Pricing:
- Pricing is not published on the site.
- Not published
8.SAP Concur
Best for: Multinational companies that need global travel and expense management with ERP integrations
- Pricing
- Not published
- Category
- Finance & Accounting
SAP Concur is a global spend management platform for travel, expense, and invoice. You would choose it over Conta Simples if you operate across multiple countries and need deep ERP integrations and AI-driven policy enforcement.
Where it is strong
- 300+ pre-built connectors to ERP and accounting systems
- AI-powered receipt capture and policy checks in real time
- Global multi-currency and multi-country tax compliance
Where it falls short
- Pricing is not public, so budgeting is harder
- Heavier implementation than Conta Simples for a small team
- Pricing:
- Pricing is not published on the site.
- Not published
9.Rebill
Best for: LATAM-focused businesses that need a single integration for local payments and subscriptions across Mexico, Colombia, Brazil, Argentina, Chile, and Peru.
- Pricing
- Not published
- Category
- Finance & Accounting
Rebill is a payment infrastructure platform for Latin America. It handles local payment methods, subscriptions, and recurring billing across multiple countries. Choose it over Conta Simples if you need to accept payments from customers in several LATAM markets, not just manage your own company's expenses.
Where it is strong
- Supports local payment methods in six LATAM countries with one integration.
- Intelligent retries recover up to 71% of failed payments.
- Automated notifications via WhatsApp, SMS, and email to update payment methods.
Where it falls short
- Only accepts registered companies. Requires documentation to validate legal status.
- Funds are available 15 days after transaction, except in Brazil where it's 30 days.
- Pricing:
- Pricing is not published on the site.
- CNot published
10.Capchase
Best for: B2B software and hardware vendors that want to offer financing to close enterprise deals
- Pricing
- Not published
- Category
- Finance & Accounting
Capchase provides financing for B2B software and hardware purchases, letting vendors offer buyers the option to pay over time. It is for companies that want to close enterprise deals by embedding payment flexibility into their sales process. Choose it over Conta Simples if your main need is vendor financing rather than corporate card and expense management.
Where it is strong
- Offers buyers the option to pay over time, which can help close larger deals
- Includes an AI agent, Mila, to keep the deal desk running 24/7
- Designed specifically for B2B software and hardware purchases
Where it falls short
- No corporate cards or expense management features like Conta Simples offers
- No published pricing, so you need to book a call to learn costs
- Pricing:
- Pricing is not published on the site.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about Conta Simples alternatives
What is the best alternative to Conta Simples for a company operating only in Brazil?
Nubank Business is a strong choice for Brazilian small businesses that want a free account and card without advanced spend controls. Caju is also good if you need to manage employee benefits alongside expenses. Both are Brazil-focused and support local payment methods.
Which alternative offers the most transparent pricing?
Pleo publishes its pricing, starting at $14 per user per month for the Build plan. Nubank Business has no monthly fee, making its costs clear. Other alternatives like Brex and SAP Concur do not show pricing publicly, so you must contact sales.
Can I use these alternatives to manage employee benefits like meal and food cards?
Caju is designed for Brazilian companies to centralize meal, food, and culture benefits with expense cards. Conta Simples focuses on corporate spend, not benefits. Other alternatives like Brex or Pleo do not offer local benefit cards.
Which alternative is best for a company with operations in multiple countries?
Brex supports global card acceptance in 210+ countries and local-currency cards in 50+ countries, making it ideal for international operations. SAP Concur also handles global travel and expense management with multi-currency compliance. Pleo is a good fit for European or US teams.
Do any alternatives offer local payment methods like Pix and boleto?
Nubank Business supports Pix and TED for free, and Conta Simples itself offers Pix and boleto payments. Expensify and American Express Business do not support Pix or boleto. Rebill handles local payment methods across LATAM but is for accepting customer payments, not managing expenses.
Last updated October 16, 2026.