Ramp vs Soldo
Choose Ramp if your UK business wants corporate charge cards and a free plan that also includes expenses and bill payments; choose Soldo if you prefer prepaid cards funded through wallets and want to control spending by allocating funds in advance. Both are available to UK businesses and offer physical and virtual cards, expense management, reimbursements, and accounting integrations. The comparison below uses UK plans and prices so the costs are comparable.
Last updated November 1, 2026.
At a glance
| Dimension | Ramp | Soldo |
|---|---|---|
| Card funding | Corporate charge cards; credit facility subject to approval | Prepaid debit cards funded through wallets |
| UK starting price | Free: £0 per user per month | Standard: £27 per month plus VAT |
| Paid plans | UK Plus: custom pricing, annual billing | Plus: £39 per month plus VAT; Unlimited: price on request |
| Cards included | Unlimited physical and virtual cards | Three cards on Standard and Plus; unlimited on Unlimited |
| Users included | Free priced per user; no published user cap | Three on Standard and Plus; unlimited on Unlimited |
| Budget structure | Spend limits and budgets | One wallet on Standard; three company wallets on Plus |
| Accounting integrations | Xero and QuickBooks Online on Free; additional ERPs on Plus | Xero and QuickBooks; NetSuite as a Plus add-on or on Unlimited |
| Bill and supplier payments | Invoice capture, approval workflows, and eligible UK supplier payments | Outbound bank transfers: up to 20 monthly on Standard, 30 on Plus |
| Reimbursements | Out-of-pocket reimbursements on UK Free | Out-of-pocket expense tracking and bank-transfer reimbursements |
| Platforms | Web platform and mobile app | Web console and mobile app |
| Support | Chat, email, and phone; priority support on Plus | Business-hours support on Standard; setup support on Plus |
| UK availability | Available to UK businesses | Available to eligible UK businesses |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Ramp if
- UK teams seeking a free starting plan
- Businesses that want corporate charge cards rather than prepaid cards
- Teams needing unlimited physical and virtual cards
- Finance teams combining card expenses and bill payments
Choose Soldo if
- Teams that want prepaid cards funded from allocated wallets
- Businesses organising budgets through company wallets
- Teams that prefer a plan with three users and cards included
- UK businesses seeking a 30-day trial of a paid plan
The verdict
The deciding factor is how you want employees to spend company money. Ramp is the better fit for teams seeking charge cards, unlimited cards on its free UK plan, and bill-payment workflows in the same platform. Soldo is the better fit for teams that want prepaid cards tied to allocated funds and are comfortable with a paid starting plan. If you are buying for a US-only business, check eligibility first: Soldo publishes services for UK and European businesses, while Ramp accepts US businesses that meet its application requirements.
Ramp vs Soldo: common questions
- Is Ramp or Soldo free for UK businesses?
- Ramp publishes a UK Free plan at £0 per user per month. Soldo does not offer a free plan; its Standard plan starts at £27 per month plus VAT and includes a 30-day trial.
- How do Ramp and Soldo cards differ?
- Ramp offers corporate charge cards with a credit facility subject to approval. Soldo offers prepaid debit cards that spend funds allocated through wallets.
- How many cards can a team issue?
- Ramp publishes unlimited physical and virtual cards on its UK Free plan. Soldo includes three physical or virtual cards on Standard and Plus and publishes unlimited cards on its Unlimited plan.
- Which has wallet-based budgets?
- Soldo includes one wallet on Standard and three company wallets on Plus, letting teams allocate funds before spending. Ramp publishes spend limits and budget tracking rather than the same Soldo wallet structure.
- Do Ramp and Soldo integrate with Xero and QuickBooks?
- Yes. Ramp lists Xero and QuickBooks Online integrations on its UK Free plan, and Soldo lists Xero and QuickBooks integrations. Availability of other accounting integrations depends on the plan.
- Can employees submit out-of-pocket expenses?
- Yes. Ramp includes out-of-pocket reimbursements on its UK Free plan. Soldo publishes out-of-pocket expense tracking and reimbursement features.
- Can either platform pay suppliers?
- Ramp includes invoice capture, approval workflows, and eligible UK supplier payments in its UK offering. Soldo supports outbound bank transfers, with monthly allowances of up to 20 on Standard and 30 on Plus; UK Faster Payments access is subject to eligibility.
- Can a US-only business choose either product?
- Not necessarily. Ramp accepts US businesses that meet its application requirements. Soldo describes its services as available to businesses in the UK and European markets, so a US-only business should not assume it can open a Soldo account.
