Melhores Gastos e pagamento de contas (2026): nosso top 3 entre 14, em ordem

Nosso top 3 de ferramentas de gastos e pagamento de contas

Ramp comes first because its free plan covers cards, receipts, bill pay and invoicing with no user limit listed. Brex has the same grade and a free plan much like Ramp's, and narrowly missed: it lists no invoicing, and its iPhone app has about 8,800 ratings to Ramp's 47,000. Airwallex is second for paying and spending in several currencies, and Zoho Expense third for staff expense reports alone. Expensify also missed third: it has a Mac app, but Collect bills $5 for every member, active or not.

1. 1

   1º lugar: Ramp

   Plano gratuito · a partir de $15/mês

   Para: Most small companies

   Ramp's Free plan gives unlimited corporate cards with spending controls, receipts collected by text or Slack and matched to card spend, travel booking, bill pay by ACH, card, check or wire, invoicing and QuickBooks Online or Xero sync, with no user limit listed. It runs on the web, iPhone and Android, and its iPhone and iPad app averages 4.9 from about 47,000 ratings. Know the limits: the card is issued by Celtic Bank and needs credit approval, and NetSuite, Sage Intacct and multi-entity support need Plus at $15 a user a month plus a platform fee the pricing page does not state.

   app para iPhone e iPad: 4.9 de 5 na App Store

   Preços e detalhes de Ramp
2. 2

   2º lugar: Airwallex

   Plano gratuito · a partir de $12/mês

   Para: Businesses that pay or spend in several currencies

   Airwallex gives a business accounts that hold more than 20 currencies, local transfers to over 120 countries and Visa cards with no foreign transaction fees, plus expenses, reimbursements, bill pay and invoicing. Explore has no monthly fee for up to 10 Spend users; Airwallex earns on conversion, 0.5% above the interbank rate for major currencies and 1% for others, and on SWIFT transfers at $15 to $25. Its iPhone and iPad app averages 4.8 from about 580 ratings. It is second because most small companies pay in one currency, where Ramp does the job free, and the eleventh Spend user moves you to Grow at $12 each plus a platform fee it does not publish.

   app para iPhone e iPad: 4.8 de 5 na App Store

   Preços e detalhes de Airwallex
3. 3

   3º lugar: Zoho Expense

   Plano gratuito · a partir de $3/mês

   Para: Teams that only need staff expense reports

   Zoho Expense reads receipts with AI, builds expense reports, checks them against your policies and tracks mileage by GPS. The free plan covers 3 users with 20 receipt scans each a month, and Standard is $3 a user a month billed annually ($4 monthly), adding Visa and Mastercard card feeds and ACH reimbursements. Its iPhone and iPad app averages 4.8 from about 8,200 ratings. It is third because it does a smaller job than the two above: it lists no supplier bill pay, travel booking and per diems need Premium at $5 a user, and anyone who creates an expense or report is billed as a user.

   app para iPhone e iPad: 4.8 de 5 na App Store

   Preços e detalhes de Zoho Expense

Classificado em 18 de out. de 2026 a partir do que cada ficha mostra e do que as pessoas dizem sobre a ferramenta, não de testes nossos. Como classificamos