Fifth Third Bank and Brex have announced a multi-year partnership designed to integrate an AI-native finance platform for commercial banking clients, aiming to unlock an estimated $5.6 billion in annual commercial card payment volume.
Built on Brex Embedded, Brex’s API-driven payments infrastructure, the new “Fifth Third Commercial Card powered by Brex” will serve as the primary commercial card solution for Fifth Third Bank’s Commercial Banking clients. This collaboration is set to extend Brex’s AI-native financial solutions to a broader segment of the commercial banking market.
Through this platform, Fifth Third’s commercial clients will gain access to Brex’s finance software, enabling them to issue corporate cards, automate expense management, and execute real-time payments. The system also incorporates Brex’s AI agents, which are designed to automate complex workflows from end-to-end, facilitate quicker book closing, minimize manual review processes, and enhance spend control.
Tim Spence, Chairman, CEO, and President of Fifth Third Bank, stated, “The future of business demands financial platforms that do more than process payments—they must power growth. Our partnership with Brex is a commitment to redefine how companies leverage financial technology. By combining the strength of a leading bank with Brex’s AI-driven innovation, we’re creating intelligent solutions that simplify complexity, drive efficiency and enable businesses to scale globally with confidence.”
Pedro Franceschi, CEO of Brex, commented, “Fifth Third Bank shares our belief that every business deserves financial tools that work and act intelligently on their behalf. By gaining access to roughly 8% of the U.
S. commercial banking sector through a single partner, we’re delivering agentic finance solutions at an unprecedented scale. Together, we’re giving commercial teams the automation, speed, and accuracy they need, all seamlessly connected to the financial institution they already trust.”
For an extended period, commercial businesses have encountered persistent challenges, including limited visibility into company expenditures, inflexible systems that struggle to scale, and extensive manual processing hours. Without modern AI-powered infrastructure, finance teams have frequently resorted to manual expense tracking and budget reconciliation, an approach that can be inefficient and error-prone, potentially impeding growth and increasing risk.
Bridgit Chayt, Head of Commercial Payments at Fifth Third, added, “This partnership changes everything. By combining Fifth Third Bank’s financial strength with Brex’s AI-driven technology, we’re delivering an intelligent platform that automates workflows, enhances visibility and eliminates manual processes. Businesses gain real-time insights, global scalability and finance tools that work proactively on their behalf—freeing teams to focus on strategy, not spreadsheets. We’re introducing a new standard for speed, accuracy and control in commercial finance.”
Art Levy, Chief Business Officer at Brex, noted, “Brex can now bring AI-native finance to far more of the commercial businesses that power our economy thanks to our partnership with Fifth Third Bank. With automated spend controls, real-time visibility, and receipts and accounting handled by AI, their finance teams can finally eliminate the manual work that slows them down and close their books faster than ever. Together, we’re helping tens of thousands of businesses run with more efficiency and confidence.”
The Brex solution will be deployed across all markets where Fifth Third Bank operates, aiming to provide businesses nationwide with access to these financial tools, enabling them to operate more efficiently, grow faster, and compete globally.
