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ToolGPA

Pleo vs Ramp

We give Pleo a 1.8 GPA and Ramp a 3.6, out of 4.0. Ramp grades higher on value for money, the free plan, features and ease of use. They get the same grade on platforms.

Price, platforms and features side by side. The table says where each price was read and when.

Pleo

Company spending cards and expense reports from Copenhagen

From $12/mo
Full detailspleo.io

Ramp

Corporate cards, expenses, travel and bill pay, with a free plan

Free plan · from $15/mo
Full detailsramp.com

How we grade them

1.8GPAPleoWeak3.6GPARampExcellent
Value for money
CA ten-person company pays $120 a month on Build at the yearly rate, 10 users at $12, which is $12 a head and bang on the category's middle. Direct reimbursements add 0.90% each, and Optimise is $16 a user.
AFree and substantial. A ten-person company pays $0 a month on Ramp Free for cards, expenses, travel and bill pay, and the listing gives no fee for ACH bill payments, with same-day ACH free too. Plus is $15 a user, 20% less yearly, plus an unstated platform fee.
Free plan and trial
FNothing free. The US pricing page shows no free plan and no free trial, and Build and Optimise need at least 3 users.
AThe Free plan has no user cap on record and covers unlimited cards, receipts by text or Slack, travel booking, bill pay, invoicing, a checking account and QuickBooks or Xero sync. Plus has a 30-day trial.
Features
CCards and expenses are done well: a card per person, receipt requests after every purchase, Fetch for emailed receipts, mileage and AI spend checks. Bill pay isn't among its features, and budgets wait for Optimise.
BThe whole job: cards with controls, expenses and reimbursements, travel, bills read by OCR and routed for approval, invoicing and accounting sync. Purchase orders and three-way matching are an add-on, which mostly bigger finance teams will miss.
Ease of use
CNo store rating on record. There are cards to hand out, limits to set and accounting to connect, though after that staff only ever snap a receipt.
A4.91 from 47,070 App Store ratings, the top band. Staff can finish an expense by replying to a text, which is about as little effort as it gets.
Platforms and integrations
BWeb, iPhone and Android, exporting to Xero, QuickBooks, Dynamics and SAP, with Workday and Okta. No desktop app is listed, and HR integrations need Optimise.
BWeb, iPhone and Android, with QuickBooks Online, Xero, NetSuite, Sage Intacct, Dynamics 365, Workday, Slack and Amazon Business. No desktop app is listed, and Workday sync needs Enterprise.
Best fora company card for every employeecards, expenses and bill pay at no cost

The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Pleo and Ramp. How we grade

Price against what you get

Pleo starts at $12 a month for each person and scores 2.3 out of 4 on features, ease of use and platforms. Ramp starts at $15 a month for each person and scores 3.3.

Ramp scores higher, and starts $3 a month higher: the question is whether the extra is worth that to you. Of the other spend and bill pay tools on the chart, 3 score higher than Pleo for less, and none scores higher than Ramp for less.

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 lessPleoRamp

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

Where they differ

  • 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.
In commonWebiOSAndroidAI featuresExpense trackingCompany cards

At a glance

PleoRamp
PricingPaidFree plan
Starts at$12 per user / month, billed yearly ($14 billed monthly)$15 per user / month, plus a platform fee based on team size
Free planNoneRamp Free: unlimited cards, expenses by text or Slack, travel booking, bill pay, invoicing, a checking account, custom reports and QuickBooks Online or Xero sync.
Free trialNone listed30-day free trial of Ramp Plus
Web
iOS
Android
Made byPleo Technologies A/SRamp Business Corporation
Price read frompleo.ioramp.com
CheckedOct 18, 2026Oct 18, 2026

Who each one suits

Pleo

  • Small teams that want a card for every employee
  • European businesses with staff spending in several countries
  • Companies tired of chasing receipts after card purchases

Ramp

  • US companies that want cards, expenses and bill pay in one free tool
  • Finance teams closing books in NetSuite or Sage Intacct
  • Businesses that book company travel and want it tied to card spend

Worth knowing

Pleo

  • Card and invoice payments in another currency carry a 1.75% FX fee on Build and 1.49% on Optimise, and direct reimbursements cost 0.90% each.
  • Build and Optimise need at least 3 users; no free plan or free trial is shown on the US pricing page.
  • In the US the Pleo card is a prepaid Mastercard issued by Pathward, N.A., with no cash access.
  • Pleo works in 16 European countries, including Denmark, the UK, Germany, France and Spain, as well as the US.

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.

Key features

Pleo

Company cards for each employee
Physical and virtual Pleo cards with Google Pay and Apple Pay, with individual, per-purchase and temporary spending limits.
Receipt capture
The app asks for a receipt after every card purchase, reads it with OCR, and the Fetch feature pulls online receipts from email automatically.
Out-of-pocket and mileage
Employees claim their own spending and mileage in the app, approvals follow company policy, and reimbursements are paid directly.
AI spend checks
AI spend guidelines on every plan, and AI expense reviews on Optimise (100 a month) or unlimited on Lead.
Vendor tracking
Recurring vendors and subscriptions are tracked, with renewal management and spending insights on Optimise.
Accounting exports
Auto-categorized expenses with custom categories and tags export to Xero, QuickBooks and other accounting systems.

Ramp

Corporate cards
Unlimited physical and virtual Visa cards with spending controls. On Plus, cards lock themselves when receipts or other policy steps are missing.
Expenses and reimbursements
Employees complete expenses by text message or Slack, receipts are matched automatically, and out-of-pocket costs are reimbursed in batches.
Travel booking
Book flights, hotels and rental cars under a custom travel policy, with 24/7 phone support for bookings on Plus.
Bill pay
Invoices are read by OCR, routed through approvals and fraud checks, and paid by ACH, card, check or wire, with free same-day ACH and wires.
Invoicing
Create invoices, follow up with customers automatically and accept payment by ACH, card or check.
Accounting automation
QuickBooks Online and Xero sync on every plan. Plus adds NetSuite and Sage Intacct, AI coding for every field and automatic sync of routine spend.

Plans

Pleo

  • Build$12

    per user / month, billed yearly ($14 billed monthly)

    For 1 to 49 employees, 3-user minimum. Physical and virtual cards, receipt capture, reimbursements, mileage, approvals and AI spend guidelines.

  • Optimise$16

    per user / month, billed yearly ($18 billed monthly)

    3-user minimum. Adds cashback for eligible customers, budgets, 100 AI expense reviews a month, HR integrations, vendor insights and live chat.

  • Scale$249

    per month and up

    For 50 to 1,000 employees. Adds multi-entity management, advanced card controls and approvals, assisted onboarding and a success manager.

  • Lead$499

    per month and up

    Adds unlimited reimbursement users with no reimbursement fees, unlimited virtual cards and AI reviews, premium integrations and purchase orders.

  • EnterpriseCustom

    For companies of 1,000 or more employees, built and priced after a call with Pleo.

Ramp

  • Free$0

    Unlimited cards with controls, receipt matching, travel booking, bill pay by ACH, card, check or wire, invoicing, and QuickBooks Online or Xero sync.

  • Plus$15

    per user / month, plus a platform fee based on team size

    20% off with yearly billing; the platform fee is not shown. Adds AI expense reviews, coded bill lines, batch payments, NetSuite and multi-entity support.

  • EnterpriseCustom

    Billed annually. Adds Workday and Oracle Fusion integrations and full customization.

Ways to pay less

Pleo

  • Annual discount

    Save $2 a user each month with yearly billing

    Build costs $12 per user a month billed yearly instead of $14 monthly, and Optimise $16 instead of $18.

Ramp

  • Annual discount

    Save 20% on Plus with yearly billing

    Ramp says Plus costs 20% less when billed annually than the $15 per user a month shown.

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