Expensify vs. Ramp: Which should you choose?

If you’re looking for a spend management platform or a company credit card, chances are you’re neck-deep in research. And while research is crucial to making the right decision, finding the software that meets your needs is no small feat.

That’s why we created this guide on Expensify vs. Ramp. Learn how the platforms differ and which is best for your company below.

Expensify vs. Ramp: similarities

No matter which software you choose, there are some features you can always count on and use for your business. These include:

• A free corporate card program

• Expense approval rules

• Compatibility with Google and Apple Pay

• Multi-level approvals

• Receipt scanning and organization

• Reimbursement management

• Spend control and insight

• Syncing abilities with various banks

• Distance and expense tracking

Expensify vs. Ramp: differences

When comparing Expensify to Ramp, it’s important to note that the two services aren’t exactly the same. Here’s a breakdown of the features Expensify has that Ramp is missing:

• Expenses must be exported manually in Ramp, while Expensify auto-exports all expenses.

• Integrations in Ramp are limited and are fee-based, while Expensify's integrations are included.

• Ramp lacks live chat support, unlike Expensify’s 24/7 customer support and dedicated onboarding specialists.

• Ramp’s partner programs have restrictions and may not align well with typical customers, unlike Expensify’s partners.

• Ramp’s bill pay feature has limited options for reviewing and resolving issues.

• Insights given via Ramp offer limited value in comparison to Expensify.

• Expensify allows for more flexibility when it comes to expense approvals.

• Expensify has customized category naming options that are mapped directly to your GL account.

• Expensify allows for more customization and automation for group expenses than Ramp.

• Expensify welcomes individuals and freelancers as clients, while Ramp does not.

Features, compared

See why companies prefer Expensify over Ramp for all their spend management needs — just based on the number of features alone!

Ramp

Free corporate card program

Works with Apple and Google Pay

Expense and multi-step approval rules

All-in-one solution (expense, invoicing, bills, travel, Expensify Card)

Comprehensive card perks program, including up to 2% cash back

Supports third-party corporate cards

SmartScan OCR receipt capture

Automatic mileage tracking

Multi-currency support

Integrated travel booking

Live chat support

Delegated access (full access, limited access, and vacation delegates)

All accounting integrations include individual per-card export, at no extra cost

Expensify pricing vs Ramp pricing

In business, cost matters. Below we break down the pricing differences between us and our competitor Ramp, along with other factors that must be considered when it comes to cost vs. features available. 

Ramp pricing model

Ramp’s paid plans start at $15/user.

Expensify fees

Expensify keeps pricing simple.

Choose from two flexible plans built for growing teams:

• Collect – $5 per member/month. Includes all the essentials: expense tracking, unlimited Expensify corporate cards, travel booking, and built-in chat — with no hidden fees.

• Control – Offers advanced controls, approval workflows, custom exports, and multi-layered configurations — ideal for scaling teams with complex needs.

Both plans include realtime expense automation, built-in compliance, and industry-leading receipt scanning.

Learn more about our plans on our pricing page.

Expense management made easy: Why customers love Expensify

As per a user review published on G2, “Expensify has revolutionized how I manage my ministry expenses with a user-friendly interface and seamless integration with all our other existing systems. It was hassle-free to set up and had wonderful customer service for the smooth process. Tools like receipt scanning and deep reporting have made innumerable differences in our everyday use of this platform. Before using Expensify, it was such a headache to reimburse staff expenses, but now things are efficient and straightforward. It takes a very short time to reimburse money to our international staff and we can do reimbursements as frequent as needed. We couldn't be happier with this game-changing solution.”

So, if you’re looking for Ramp’s alternative or simply shopping for the best travel and expense management solution in 2025, Expensify is the clear winner. Not only do we ensure you have all the features you need to organize your back office, but the app also provides expert insight into your company spend. Just another way we put our customers first.

Still in research mode? Learn more about how we fare against other competitors:

• Expensify vs. Brex

• Expensify vs. Divvy

• Expensify vs. Concur

FAQ

• Is Expensify a good alternative to Ramp for start-ups and international companies?

  Yes. Expensify is a powerful alternative to Ramp for companies of all sizes, including startups and global teams. It combines cards, expenses, approvals, and travel in one app, with international features like multi-currency support and global receipt scanning. Unlike Ramp, Expensify works in any country and scales with you from 2 employees to 2,000. You’ll also earn up to 2% cash back on US purchases with the Expensify Card (terms apply).

• Does Expensify links to Quickbooks?

  Yes, Expensify links to QuickBooks. The integration is a core feature and is a major reason why many businesses choose Expensify for their expense management needs. It allows for a seamless connection between expense tracking in Expensify and the accounting processes in QuickBooks.

• What is the difference between Expensify and New Expensify?

  "New Expensify" is not a separate product but the name for Expensify’s next-generation platform. It is a major evolution of the original Expensify. The core difference is the move from a traditional expense reporting tool to a chat-based, all-in-one financial super app. The classic version was more focused on forms and reports, while the new version integrates a wider range of financial services into a single, collaborative chat interface.

• Is Ramp or Expensify a better fit if I want to keep my Amex card?

  Expensify is a better fit if you want to keep your existing Amex card program. Its design is "card-agnostic," so it excels at taking data from your Amex card and automating the expense reporting process. Ramp's platform is built around its own corporate card, and while you can use it for other expenses, it's not designed to be a bolt-on solution for an existing corporate card program.

• Which platform offers more flexible and customizable expense reports?

  Expensify is the stronger option for businesses with complex reporting needs. While Ramp focuses on automating away expense reports, Expensify's platform is built around customizable reporting that provides granular data and detailed analytics. This is a key advantage for companies that require specific data points or a more traditional approach to financial oversight.

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