Expensify vs Ramp: which fits your firm?
Expensify and Ramp both publish a free plan; Expensify lists solo, small and mid-size firms where Ramp lists small and mid-size.
Prices and details checked October 27, 2026 for Expensify and August 15, 2026 for Ramp. Both records sit in AP, AR, and payments and are compared on vendor-published specifications, the same way across every tool.
Expensify vs Ramp side by side
8 of 13 dimensions differ. Rows marked "Differs" are where the two records do not match.
| Dimension | Expensify | Ramp |
|---|---|---|
| Entry price | Free plan | Free plan |
| Pricing modelDiffers | Per user | Free |
| Free trialDiffers | Not listed | Yes |
| Free plan | Yes | Yes |
| Firm size fitDiffers | Solo, Small, Mid-size | Small, Mid-size |
| Built for | Firms and their clients | Firms and their clients |
| SpecialisationDiffers | Bookkeeping | Bookkeeping, Advisory |
| Automation profile | High volume, routine work | High volume, routine work |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Geo availabilityDiffers | US, UK, EU, Australia | US |
| Integrations listedDiffersBoth list: NetSuite, QuickBooks, Sage, Xero. | 8 listed | 6 listed |
| CertificationsDiffers | SOC 1 Type 2, SOC 2 Type 2, PCI DSS | Not published |
| Support channelsDiffers | Chat, Email, 24/7 cover | Email, Chat, Phone, Knowledge base |
Which one fits your firm
Choose Expensify if
- Firms that want a simple receipt capture and approval tool for small and mid-sized clients without a big rollout.
- Firms that want a free starting point for clients, then a $5 per member step up to QuickBooks or Xero sync.
- Accountants who want a partner program with a dashboard across clients and revenue share on client card spend.
Think twice about Expensify if
- Firms whose clients need NetSuite, Sage Intacct or QuickBooks Desktop on a low-cost plan; those require Control.
- Teams that prefer phone support; Expensify support is chat only with a human on request.
- Clients wanting a free all-in-one card and AP platform with no per-member fee; paid active members are needed.
Choose Ramp if
- US small to mid-sized firms that want free corporate cards with auto-coded receipts on QuickBooks, Xero, NetSuite, or Sage.
- Practices that earn referral income from accounting partnerships. Ramp pays $500 to $750 per referred client.
- Clients ready to put cards, expense management, and bill pay onto one free platform.
Think twice about Ramp if
- Non-US businesses. Ramp issues cards only to companies registered in the United States.
- Firms that want AI-driven expense review without a per-user fee. That sits behind the Plus tier at $15 per user.
- Teams tied to existing bank-card rewards. Ramp's interchange model replaces those rewards entirely.
What each one does
About Expensify
Expensify handles expense reports, receipt capture, corporate cards and bill pay in one place. The free plan covers basic expense tracking, while paid tiers add reimbursements, approvals, accounting sync and custom rules. An accountant program adds partner pricing, a client dashboard and card revenue share.
Best for firms that want a low-friction expense tool with a free entry point and an accountant program that adds margin.
Expensify profileExpensify pricing and plansExpensify vendor site
About Ramp
Ramp's base plan is free because the company earns from card interchange rather than subscriptions. Your firm or its clients get corporate cards, automated expense coding, bill pay, and accounting sync with QuickBooks, Xero, NetSuite, and Sage at no monthly cost. Paid tiers add AI-driven expense review and advanced ERP automation.
Best for US firms that want free corporate cards, auto-coded receipts, and bill pay across QuickBooks, Xero, NetSuite, or Sage.
Frequently asked questions
- Which is cheaper, Expensify or Ramp?
- Their published entry tiers match: both are a free plan. Plan contents and per-user terms differ, so read the published plans before treating the two as equivalent.
- Do Expensify and Ramp both offer a free trial?
- Ramp lists a free trial. Expensify does not. Both publish a permanently free plan.
- Which one integrates with QuickBooks and Xero, Expensify or Ramp?
- Expensify lists QuickBooks and Xero. Ramp lists QuickBooks and Xero. Across their full published lists the two share 4 integrations: NetSuite, QuickBooks, Sage and Xero.
- Which suits a smaller firm, Expensify or Ramp?
- Expensify lists solo, small and mid-size firms and Ramp lists small and mid-size firms. Firm size fit is the vendor's own positioning, so treat it as the starting point rather than a limit.