Expensify vs Ramp

Expensify8.7/10

Ramp9.1/10

Scored in Expense Management

The short answer

Expensify and Ramp both scan receipts, check spend against policy and sync to accounting, but they start from different places. Expensify works with the corporate cards a company already has, from 10k+ supported banks, and adds its own Expensify Card; Ramp's free plan is built around Ramp's own cards.

By LeadChange Research TeamUpdated Oct 14, 2026Based on 15 sources, most recently checked Oct 14, 2026

Expensify

Starting price: $5/user/mo1
Best for: Small teams that want receipts, approvals and reimbursement for a low monthly price with no annual contract

Choose Expensify if

You want to keep your current corporate cards: Expensify imports them from 10k+ banks.
You reimburse employees in their local currency in many countries (190+).
Your team needs approvals plus QuickBooks or Xero sync at $5 a member a month.
Employees send receipts by photo, email forward or text message.

Expensify plans and prices Expensify competitors

Ramp

Starting price: $0/user/mo2
Best for: Companies that want corporate cards and expense management in one product

Choose Ramp if

You want corporate cards, expense capture and receipt matching for $0 a user.
You need SCIM provisioning with Okta, Google or Microsoft Azure sign-on.
You plan to run accounts payable, procurement or banking on the same platform.
Your ledger is Workday Financials, Oracle Fusion Cloud or Microsoft Dynamics 365.

What Ramp costs Ramp expense management alternatives

LeadChange Score: editorial assessment based on public information.

Scorecard

Expensify wins 0Ramp wins 23 ties

Expensify vs Ramp by dimension
Dimension	Expensify	Ramp
PricingRamp Free costs $0 per user and includes cards and receipt matching. Expensify's free plan covers individuals who submit to an approver, without approvals, payments, company cards or accounting sync; Collect lists $5 and Control $18 per member a month. Ramp Plus lists $15 per user plus an unpublished platform fee. Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise2	$5/user/mo	$0/user/mo
CapabilitiesExpensify covers expenses, its own card, travel booking, global reimbursements, bill pay and invoicing. Ramp covers cards, expenses, travel, payables, receivables, procurement and banking. Both use AI to flag spend that breaks policy. Expense management, Corporate card (Expensify Card), Travel booking, Global reimbursements, Bill pay, Invoicing3	10 of 10 core capabilities	9 of 10 core capabilities
IntegrationsRamp documents 200 integrations and Expensify 45. Both list QuickBooks, NetSuite, Sage Intacct and Xero; Expensify also lists Gusto, Uber and Lyft. 200+4	45+ native	200+ native
Fit and supportBoth name startups through enterprise as customers. Expensify offers 24/7 live chat and an account manager from 100 members; Ramp offers chat, email and phone, and a dedicated account manager on Enterprise. Startups, small businesses, mid-market companies, enterprises5	Startups, small business, mid-market, enterprise	Startups, small business, mid-market, enterprise
SecurityBoth state SOC 2 Type II. Expensify supports SAML single sign-on; Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM. Yes6	SOC 2	SOC 2

Key differences

Where Expensify and Ramp differ (6)
Attribute	Expensify	Ramp
Price transparency	Published1	Partly published2
Single sign-on	SAML7	Okta, Google, Microsoft Azure8
Native integrations	45+3	200+4
Support channels	24/7 live chat, AI assistant (Concierge), account manager on accounts of 100+ members5	Chat, email, phone, 24/7 phone support for travel bookings (Plus), dedicated account manager (Enterprise)2
Founded	20089	201910
Ownership	Publicly traded9	Private10

Show 8 attributes where they are the same

Where they are the same (8)
Attribute	Expensify	Ramp
Pricing model	Per user1	Per user2
Free trial	3	2
Free plan	1	2
Contract term	Monthly1	Monthly2
Best for	Startups, small businesses, mid-market companies, enterprises5	Startups, small businesses, mid-market companies, enterprises2
Mobile apps	iOS, Android11	iOS, Android12
API	13	14
SOC 2 Type II	6	8

Analysis by dimension

Pricing. Ramp Free costs $0 per user and includes cards and receipt matching. Expensify's free plan covers individuals who submit to an approver, without approvals, payments, company cards or accounting sync; Collect lists $5 and Control $18 per member a month. Ramp Plus lists $15 per user plus an unpublished platform fee.

Capabilities. Expensify covers expenses, its own card, travel booking, global reimbursements, bill pay and invoicing. Ramp covers cards, expenses, travel, payables, receivables, procurement and banking. Both use AI to flag spend that breaks policy.

Integrations. Ramp documents 200 integrations and Expensify 45. Both list QuickBooks, NetSuite, Sage Intacct and Xero; Expensify also lists Gusto, Uber and Lyft.

Fit and support. Both name startups through enterprise as customers. Expensify offers 24/7 live chat and an account manager from 100 members; Ramp offers chat, email and phone, and a dedicated account manager on Enterprise.

Security. Both state SOC 2 Type II. Expensify supports SAML single sign-on; Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM.

Neither one?

Zoho Expense

Zoho Expense has the highest LeadChange Score in Expense Management after excluding these two (9.0/10).

From $3/user/mo (billed annually)15

Zoho Expense review

More Expensify comparisons

More Ramp comparisons

Frequently asked questions

Is Ramp like Expensify?

Partly. Both capture receipts, check expenses against policy and sync them to accounting. Ramp is built around its own cards and adds payables, procurement and banking; Expensify works with cards from 10k+ banks and offers the Expensify Card as an option.

What do Expensify and Ramp cost for a team of 25?

At list price, 25 members on Expensify cost $125 a month on Collect or $450 on Control with a 12-month subscription. On Ramp, 25 users cost $0 on Free or $375 a month on Plus before Ramp's unpublished platform fee.

Does Expensify or Ramp have more integrations?

Ramp documents 200 integrations and Expensify 45. The accounting systems most teams need, QuickBooks, Xero, NetSuite and Sage Intacct, appear on both lists.

Can I reimburse international employees with Expensify or Ramp?

Yes. Expensify reimburses in local currency to 190+ countries; Ramp reimburses in more than 70 countries and 40 currencies.

Which is older, Expensify or Ramp?

Expensify was founded in 2008 and is a public company. Ramp was founded in 2019 and is privately held, based in New York.

Do Expensify and Ramp offer a free trial?

Yes, both list a free trial. Expensify and Ramp also list a free plan.

Who are Expensify’s biggest competitors?

Expensify ranks #3 of 9 in our expense management ranking. Besides Ramp, the highest-scored are Zoho Expense, BILL Spend & Expense, and Brex. Every alternative, matched to the reason you might switch: Expensify alternatives.

How this page was made

What it is built from
35 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 14, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested either product hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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Sources

The 15 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.

Quotes from the sources

Expensify help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing“$5 per unique member/month” “This article provides an overview of the current pricing model.”
Ramp ramp.com/pricing“$0/mo/user” “Procurement (Add-on to Plus or Enterprise)”
Expensify expensify.com“All inclusive. AI-powered expenses, travel, reimbursements, and corporate cards.” “45+ integrations. QuickBooks, NetSuite, Sage Intacct, Xero, Workday, Gusto, and so much more.”
Ramp ramp.com/integrations“Ramp offers 200+ integrations that spans across:”
Expensify expensify.com/pricing“From solo startups to big businesses, our plans deliver the features and flexibility you've been searching for.” “24/7 realtime chat with humans”
Expensify help.expensify.com/articles/Unlisted/Compliance-Documentation“How to request Expensify’s SOC 1 Type 2 Report or SOC 2 Type 2 Report”
Expensify help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Compare-Collect-and-Control-Plans“Enterprise security features such as SAML/SSO”
Ramp ramp.com/security“Get a seamless login experience without compromising security with support for SSO for Okta, Google, and Microsoft Azure.” “Ramp undergoes annual audits to ensure your data is always secure, confidential, and private according to SOC 2 Type II protocols.”
Expensify we.are.expensify.com/how-we-got-here“In 2008, David launched the card technology concept at TechCrunch50 and reframed it as an expense management system” “On November 10, 2021, Expensify went public and listed on Nasdaq under EXFY.”
Wikipedia en.wikipedia.org/wiki/Ramp_(company)“Ramp was founded in March 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee.” “Private”
Expensify use.expensify.com/expensify-mobile-app“Yes. The Expensify app is available on iOS and Android devices.”
Ramp ramp.com/mobile-app“Download Ramp Mobile AppStart on iOS or Android today”
Expensify integrations.expensify.com/Integration-Server/doc“To use the API, you will need to generate API credentials.”
Ramp docs.ramp.com“Have a Ramp account? Create credentials and make your first API call.”
Zoho zoho.com/us/expense/pricing“For growing businesses looking to manage expenses end to end”