# Ramp vs Expensify

Source: https://nachonacho.com/compare/ramp-vs-expensify

Choose Ramp if you want corporate cards, expense controls, bill pay, and accounting automation in one finance platform; choose Expensify if your priority is receipt tracking, reimbursements, and managing expenses on your existing cards. Both offer company cards and travel booking, but their free plans serve different buyers: Ramp offers a free business plan, while Expensify’s free Submit plan is for individuals.

## At a glance

| | Ramp | Expensify |
| --- | --- | --- |
| Free plan | Free business plan with unlimited users and cards | Free Submit plan for individuals; no company cards or payments |
| Paid plans, USD | Plus: $15/user/month plus a team-size platform fee; Enterprise: custom | Collect: $5/unique member/month; Control: $18/month on an annual subscription or $36 pay-per-use |
| Who can start | US applicants: registered business and at least $25,000 in linked business-bank cash | Individuals can use Submit; US-issued cards require a US business bank account |
| Card controls | Unlimited physical and virtual cards; vendor and category controls | Expensify Card with Smart Limits and virtual cards on paid plans |
| Existing card imports | Not published | Personal and company card transaction imports |
| Accounting integrations | QuickBooks Online and Xero on Free; NetSuite and Sage Intacct on Plus | QuickBooks Online and Xero on Collect; NetSuite and Sage Intacct on Control |
| Approvals | Configurable workflows on Free; advanced routing on Plus | Expense approvals on Collect; multiple approval flows on Control |
| Bills and invoices | Invoice capture, approval workflows and bill payments | Invoice and bill scanning with automated payments |
| Travel | Flight, hotel and car booking with travel policies | Flight, hotel, car and rail booking with travel rules |
| Platforms | Web, iOS and Android apps | Web, desktop, iOS and Android apps |
| Support | 24/7 chat; phone support on paid plans | AI and human support; 24/7 real-time human chat |

## Which to choose

### Choose Ramp if

- Eligible businesses seeking a free corporate card and expense plan
- Finance teams setting vendor and category card controls
- Teams combining bill pay with expense management
- Businesses seeking advanced accounting automation on paid plans

### Choose Expensify if

- Individuals scanning receipts and submitting expenses for free
- Teams using existing personal or company cards
- Small teams seeking month-to-month expense management
- Organizations managing expenses across multiple countries

## Verdict

Ramp is the better fit for an eligible business that wants to set card-level spending controls and bring more finance workflows into one system. Expensify is the better fit for an individual tracking expenses or a team that wants a straightforward, month-to-month expense plan without adopting a new company card. The deciding factors are the scope of finance tools you need, card eligibility, and how each plan bills for users.

## Questions

### Is Ramp or Expensify free for a business team?

Ramp publishes a free business plan with unlimited users and cards. Expensify’s free Submit plan is for individuals; its Collect plan for teams costs $5 per unique member per month in USD.

### How do Ramp and Expensify paid plans compare?

Ramp Plus is $15 per user per month plus a platform fee based on team size. Expensify Collect is $5 per unique member per month; Control starts at $18 per included member per month with an annual subscription, or $36 per active member per month on pay-per-use billing. Qualifying Expensify Card use can reduce Control pricing.

### Can I use my existing cards with Expensify instead of getting a new card?

Yes. Expensify supports personal and company card transaction imports. It also offers its own Expensify Card on paid plans.

### Do both Ramp and Expensify issue corporate cards?

Yes. Ramp lists unlimited physical and virtual corporate cards on its Free plan. Expensify offers the Expensify Card with its paid Collect and Control plans; card availability depends on eligibility.

### Which integrates with QuickBooks, Xero, NetSuite and Sage Intacct?

Both list QuickBooks Online and Xero on their entry-level business plans. Ramp lists NetSuite and Sage Intacct on Plus, while Expensify lists them on Control.

### Can both products handle employee reimbursements and travel?

Yes. Both publish employee reimbursement and travel-booking features. Ramp also lists bill pay and card-level spending controls on its Free plan; Expensify Collect includes expense and travel approvals.

### Can a sole proprietor use Ramp or Expensify?

Expensify offers a free Submit plan for individuals. Ramp says it does not accept individuals, sole proprietors or unregistered businesses for its US application.

### What is the main reason to choose Ramp over Expensify, or vice versa?

Choose Ramp when an eligible business wants corporate cards, upfront spend controls and broader finance workflows together. Choose Expensify when individual expense tracking or a month-to-month team expense plan built around receipts, reimbursements and existing cards is the priority.

## Product pages

- Ramp: https://nachonacho.com/product/ramp
- Expensify: https://nachonacho.com/product/Expensify