Ramp vs Pleo
Choose Ramp if your business qualifies for its US-focused card program and wants cards, bill payments, travel booking, and finance workflows in one platform; choose Pleo if your business is in one of its listed European onboarding markets and prioritizes employee expenses and accounting sync. Both offer physical and virtual cards, receipt capture, approvals, and accounting integrations. Check eligibility before comparing prices: Pleo publishes a US pricing page, but its getting-started page lists only European markets for new accounts.
Last updated November 1, 2026.
At a glance
| Dimension | Ramp | Pleo |
|---|---|---|
| New-account eligibility | US registration, US address, and at least $25,000 in a linked US business bank account | Getting-started page lists 16 European markets; US signup unclear |
| Published pricing | Free $0; Plus $15/user/month plus platform fee; Enterprise custom | US page: Build $14 or Optimise $18/user/month, billed yearly |
| Minimum users | Not published | Three on Build and Optimise |
| Card funding | Corporate-liability charge card | US-issued prepaid Mastercard |
| Physical and virtual cards | Unlimited on all plans | Included on Build and Optimise |
| Supplier bills | Bill payments by ACH, card, check, and wire | Invoice payments; unavailable to US customers |
| Travel booking | Flights, hotels, and rental cars on Free | Not published |
| Accounting integrations | QuickBooks Online and Xero on Free; NetSuite and Sage Intacct on Plus | Accounting integrations on both published US plans; Xero, QuickBooks, and NetSuite listed |
| Expense controls | Card limits and approval workflows; auto-locking on Plus | Card limits and approvals on Build; budgets on Optimise |
| Receipt handling | Automatic receipt collection and matching | Email receipt capture, reminders, and OCR |
| Platforms | Web, iOS, and Android | Web, iOS, and Android |
| Support | 24/7 chat; phone support listed on paid plans | Email on Build and Optimise; live chat on Optimise |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Ramp if
- Eligible US businesses seeking a free starting plan
- Teams wanting a corporate charge card with unlimited cards
- Finance teams combining expenses, bill pay, and travel booking
- Businesses needing advanced procurement as a paid add-on
Choose Pleo if
- Businesses in Pleo’s listed European onboarding markets
- Teams focused on employee cards and receipt capture
- Finance teams wanting expense exports and accounting sync
- Businesses wanting prepaid cards rather than charge cards
The verdict
The deciding factors are where your business can sign up and which workflows you need. Ramp is the better fit for an eligible US business seeking a free starting plan, a corporate charge card, and built-in bill pay and travel booking. Pleo is the better fit for a business in its listed European markets seeking prepaid expense cards, flexible limits, and automated expense bookkeeping. US buyers should confirm whether Pleo is accepting new accounts before treating its published US prices as an available option.
Ramp vs Pleo: common questions
- Can a new US business sign up for both Ramp and Pleo?
- Ramp publishes US business eligibility requirements, including US registration, a physical US address, and at least $25,000 in a linked US business bank account. Pleo publishes US prices but lists only European markets on its new-account getting-started page. A US business should confirm Pleo signup eligibility directly before choosing a plan.
- Does Ramp or Pleo have a free plan?
- Ramp publishes a Free plan at $0 per user per month. Pleo’s US pricing page lists Build at $14 and Optimise at $18 per user per month when billed yearly, with a three-user minimum; it does not list a free plan.
- Are Ramp and Pleo cards the same type?
- No. Ramp describes its card as a corporate-liability charge card. Pleo’s US site identifies its US-issued card as a prepaid Mastercard.
- Can both Ramp and Pleo pay supplier invoices?
- Ramp lists bill payments by ACH, card, check, and wire. Pleo supports supplier invoice payments in supported markets, but its help center says US customers cannot pay supplier invoices through Pleo.
- Which accounting systems do Ramp and Pleo connect to?
- Ramp lists QuickBooks Online and Xero on Free, with NetSuite and Sage Intacct among the integrations on Plus. Pleo lists integrations including Xero, QuickBooks, and NetSuite; buyers should check availability for their account and region.
- Can I book business travel in Ramp or Pleo?
- Ramp lists flight, hotel, and rental-car booking on its Free plan. Pleo describes travel expense management, but does not publish a comparable travel-booking feature on the pages reviewed.
- Do Ramp and Pleo work on phones?
- Yes. Both provide web access and mobile apps for iOS and Android. Available actions vary between the web and mobile versions.
- Which product fits a business in Europe?
- Pleo lists 16 European markets on its new-account page. Ramp offers international capabilities, but its published standard US application requirements include US registration and a physical US address. A European business should confirm Ramp eligibility for its entity before comparing features.
