Ramp vs BILL Spend & Expense

The short answer

Ramp and BILL Spend & Expense, the former Divvy, both give companies corporate cards and expense tracking for $0 per user. Ramp adds a Plus plan at $15 per user a month plus a platform fee it does not publish; BILL keeps Spend & Expense on one $0 plan and sells Accounts Payable and Receivable as separate subscriptions.

By LeadChange Research TeamUpdated Oct 14, 2026

Ramp

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

Choose Ramp if

You need SCIM provisioning with Okta, Google or Microsoft Azure sign-on.
Your ledger is Workday Financials, Oracle Fusion Cloud or Microsoft Dynamics 365.
You want procurement, payables and receivables on the same platform as the cards.
Employees should submit expenses by SMS, Slack or Microsoft Teams.

Ramp plans and prices Ramp expense management alternatives

BILL Spend & Expense

Starting price: $0/employee/mo
Best for: Small and mid-size businesses that want cards, budgets and expenses with no per-user fee

Choose BILL Spend & Expense if

You want cards, budgets and expense tracking on a single $0 plan.
You want access to credit lines from $1,000 to $5M with the cards.
You pay bills through BILL Accounts Payable, or plan to, and want spend at the same vendor.
Employees file mileage and one-off reimbursements against budgets.

BILL Spend & Expense plans and prices BILL Spend & Expense alternatives

LeadChange Score: editorial assessment based on public information.

Scorecard

Ramp wins 1BILL Spend & Expense wins 03 ties

Ramp vs BILL Spend & Expense by dimension
Dimension	Ramp	BILL Spend & Expense
PricingBoth list a $0 plan with corporate cards and expense tracking. Ramp Plus costs $15 per user a month plus an unpublished platform fee; BILL charges separately for Accounts Payable and Receivable and for some payment types. Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise	$0/user/mo	$0/user/mo
CapabilitiesRamp covers cards, expenses, travel, payables, receivables, procurement and banking. BILL Spend & Expense covers cards, expenses, budgets, reimbursements and travel. Both use AI to code accounting fields. Corporate cards, Expense management, Travel, Accounts payable, Accounts receivable, Procurement, Business banking	9 of 10 core capabilities	8 of 10 core capabilities
IntegrationsRamp documents 200 integrations, including NetSuite, Sage Intacct, Xero and QuickBooks. BILL lists QuickBooks, Sage Intacct, Oracle NetSuite and Xero and publishes no total count. 200	200 native	4 documented
SecurityBoth state SOC 2 Type II. Ramp also documents Okta, Google and Microsoft Azure sign-on with SCIM. Yes	SOC 2	SOC 2

Key differences

Where Ramp and BILL Spend & Expense differ (6)
Attribute	Ramp	BILL Spend & Expense
Pricing model	Per user	Free
Price transparency	Partly published	Published
Best for	Startups, small businesses, mid-market companies, enterprises	Small businesses, mid-market companies
Founded	2019	2006
Headquarters	New York, New York, US	San Jose, California, US
Ownership	Private	Publicly traded

Show 4 attributes where they are the same

Where they are the same (4)
Attribute	Ramp	BILL Spend & Expense
Free plan
Mobile apps	iOS, Android
Open API
SOC 2 Type II

Analysis by dimension

Pricing. Both list a $0 plan with corporate cards and expense tracking. Ramp Plus costs $15 per user a month plus an unpublished platform fee; BILL charges separately for Accounts Payable and Receivable and for some payment types.

Capabilities. Ramp covers cards, expenses, travel, payables, receivables, procurement and banking. BILL Spend & Expense covers cards, expenses, budgets, reimbursements and travel. Both use AI to code accounting fields.

Integrations. Ramp documents 200 integrations, including NetSuite, Sage Intacct, Xero and QuickBooks. BILL lists QuickBooks, Sage Intacct, Oracle NetSuite and Xero and publishes no total count.

Fit and support. BILL names small and mid-size businesses; Ramp names startups, small businesses, mid-market and enterprise, with chat, email and phone support and an account manager on Enterprise.

Security. Both state SOC 2 Type II. Ramp also documents 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

More Ramp comparisons

Frequently asked questions

Are Ramp and Divvy free?

Yes, both have a $0 plan. Divvy is now BILL Spend & Expense, which costs $0 per user; Ramp Free also costs $0, and Ramp sells Plus at $15 per user a month plus a platform fee for teams that need more.

Do Ramp and BILL pay vendor bills too?

Ramp includes accounts payable among its modules. At BILL, Accounts Payable and Accounts Receivable are separate subscriptions priced per user, next to the $0 Spend & Expense plan.

Which accounting systems do Ramp and BILL connect to?

Both list QuickBooks, Xero, NetSuite and Sage Intacct. Ramp's list of 200 also includes Workday Financials, Oracle Fusion Cloud and Microsoft Dynamics 365.

Who owns BILL and Ramp?

BILL, founded in 2006 and based in San Jose, is a public company. Ramp, founded in 2019 in New York, is privately held.

Can Ramp and BILL reimburse employees abroad?

Ramp reimburses in more than 70 countries and 40 currencies. BILL lets employees submit reimbursements in local currency.

Who are Ramp’s biggest competitors?

Ramp ranks #1 of 8 in our expense management ranking. Besides BILL Spend & Expense, the highest-scored are Zoho Expense, Expensify, and Brex. Every alternative, matched to the reason you might switch: Ramp alternatives.

Ramp or BILL Spend & Expense: which fits your team?

Share your headcount and needs once and see how both fit your team, with the alternatives that match. If a matching provider works with us, you can ask to hear from them.

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