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Alternatives · Spend & Bills

Ramp alternatives

Ramp compared with 11 alternatives: Brex, BILL, Expensify, Navan, Airwallex and 6 more.

Ramp has a free plan. Paid plans start at $15 per user / month, plus a platform fee based on team size. 9 of the 11 alternatives are free or have a free plan. One more offers a free trial.

11 tools · Listings checked up to Oct 18, 2026 · Where the facts come from

At a glance

ToolPriceFree planRuns on
RampThis toolFree plan · from $15/moYesWeb, iOS, Android
BrexFree plan · from $12/moYesWeb, iOS, Android
BILLFree plan · from $49/moYesWeb, iOS, Android
ExpensifyFree plan · from $5/moYesWeb, macOS, iOS, Android, Browser extension
NavanFree plan · from $15/moYesWeb, iOS, Android
AirwallexFree plan · from $12/moYesWeb, iOS, Android
AspireFreeFreeWeb, iOS, Android
MelioFree plan · from $20/moYesWeb, iOS, Android
NickelFree plan · from $35/moYesWeb
PleoFrom $12/moNoWeb, iOS, Android
PlootoFree trial · from $9/moTrial onlyWeb
Zoho ExpenseFree plan · from $3/moYesWeb, iOS, Android

Price against what you get

Ramp starts at $15 a month for each person and scores 3.3 out of 4 on features, ease of use and platforms. None of the 11 alternatives on this chart both scores higher and starts lower.

Brex, Expensify, Airwallex, Aspire, Pleo, Plooto and 1 more start lower without scoring higher.

Features, ease of use and platforms, averaged

C2.0B3.0A4.0Free$2$5$10$20$50More for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessRampBrexBILLExpensifyNavanAirwallexAspireMelioNickelPleoPlootoZoho Expense

What paid plans start at, a month (each step along is roughly double) →

  • The best score at each price
  • Has a free plan
  • No free plan
The full chart of spend and bill pay tools, and the best at every price

How each one differs from Ramp

  1. Brex

    Corporate cards, expenses, bill pay and travel for growing companies

    • Brex starts at $12 per user / month, billing term not stated. Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers invoicing.

    Suits: Startups that want corporate cards and expenses at no software cost

    Brex vs RampBrex pricing and details

  2. BILL

    Bill pay, invoicing and free company cards for small businesses

    • BILL starts at $49 per user / month for AP & AR, billing term not stated. Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers reports.

    Suits: Small businesses that pay many supplier bills by ACH or check

    BILL vs RampBILL pricing and details

  3. Expensify

    Receipt scanning, expense reports and company cards, from $5 a member

    • Expensify starts at $5 per member / month, billed monthly. Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Only Expensify lists a macOS app.
    • Only Expensify lists a browser extension.
    • Ramp also covers reports.

    Suits: Small teams that need receipts scanned and staff reimbursed

    Expensify vs RampExpensify pricing and details

  4. Airwallex

    Multi-currency business accounts, cards, bill pay and expenses

    • Airwallex starts at $12 per Spend user / month, plus a platform fee based on team size. Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers reports.

    Suits: Businesses that pay suppliers or staff in other countries

    Airwallex vs RampAirwallex pricing and details

  5. Aspire

    Free business account with global payments, cards and expense tools

    • Aspire is free. Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers reports.

    Suits: Founders running a US company from another country

    Aspire vs RampAspire pricing and details

  6. Melio

    Bill pay and invoicing for small US businesses, with a free plan

    • Melio starts at $20 per month, billed annually ($25 billed monthly). Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers reports and company cards.

    Suits: US small businesses that want to pay suppliers by card or ACH

    Melio vs RampMelio pricing and details

  7. Nickel

    Free ACH invoicing and bill pay for US businesses

    • Nickel starts at $35 per month, billed annually ($45 billed monthly). Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Only Ramp lists iOS and Android apps.
    • Ramp also covers reports, expense tracking and company cards.

    Suits: US businesses that collect large invoices by ACH

    Nickel vs RampNickel pricing and details

  8. Pleo

    Company spending cards and expense reports from Copenhagen

    • Pleo starts at $12 per user / month, billed yearly ($14 billed monthly). Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp has a free plan. Pleo does not.
    • Ramp also covers invoicing, reports and bill pay.

    Suits: Small teams that want a card for every employee

    Pleo vs RampPleo pricing and details

  9. Plooto

    Bill pay and receivables for businesses in Canada and the US

    • Plooto starts at $9 per month, billing term and currency not stated. Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp has a free plan. Plooto does not, though it has a free trial.
    • Only Ramp lists iOS and Android apps.
    • Ramp also covers reports, expense tracking and company cards.

    Suits: Canadian and US businesses that pay suppliers across the border

    Plooto vs RampPlooto pricing and details

  10. Zoho Expense

    Expense reports, receipt scanning and travel booking from Zoho

    • Zoho Expense starts at $3 per user / month, billed annually ($4 billed monthly). Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers invoicing and bill pay.

    Suits: Small teams of up to 3 people who need free expense reports

    Zoho Expense vs RampZoho Expense pricing and details

Limits worth knowing in Ramp

  • Plus adds a platform fee based on team size that the pricing page does not state; Enterprise is quoted and billed yearly.
  • Ramp says it is not a bank: checking deposits are held at First Internet Bank of Indiana, and its corporate card is issued by Celtic Bank and needs credit approval.
  • Purchase orders and three-way matching come as an add-on to Plus or Enterprise; Workday and Oracle Fusion sync need Enterprise.
  • Cards are issued in the US, Canada, the UK and the EEA. Filing 1099s costs $0.65 per IRS form, with state filing free.
Ramp pricing and details

Common questions

What are the alternatives to Ramp?

The alternatives to Ramp in this directory are Brex, BILL, Expensify, Navan, Airwallex, Aspire, Melio, Nickel, Pleo, Plooto and Zoho Expense. Each one has a side-by-side comparison with Ramp.

Is there a free alternative to Ramp?

Yes. Aspire is free to use. Brex, BILL, Expensify, Navan, Airwallex, Melio, Nickel and Zoho Expense have a free plan alongside paid ones.

Which Ramp alternatives work on macOS?

The Ramp listing does not include a macOS app. Expensify lists one.

When were these prices checked?

Every listing on this page was checked on Oct 18, 2026, against the pages it cites. Vendors change prices without notice, so confirm on their site before you buy.