Softwr

Accounting · head to head

Expensify vs Ramp

Expensify logo

Expensify

Accounting

Expense management for receipts, bills & more

From
$5/month
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Ramp has a free tier, so it costs nothing to try first.
  • Each has a real cost: Expensify minimal offline expense entry capabilities hamper use in areas with unstable internet; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Expensify covers SmartScan receipts, Ramp covers Expense management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Expensify and Ramp actually diverge.

Attributes where Expensify and Ramp differ
AttributeExpensifyRamp
Starting price$5/monthFree
Pricing modelUnknownsubscription
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, Mobile apps
Founded20082019

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Expensify

  • SmartScan receipts
  • Expense reports
  • Reimbursements
  • Travel booking
  • Mileage tracking
  • Multi-currency
  • Real-time syncing
  • Sage

Only in Ramp

  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • Sage Intacct
  • SOC 2
  • Web support
  • Ios support

Both cover

  • Corporate cards
  • QuickBooks
  • Xero
  • NetSuite
  • PCI DSS

What people use each for

The jobs each tool is most often brought in to do.

Expensify

  • Expense reportingnot Ramp
  • Receipt managementnot Ramp
  • Travel expensesnot Ramp
  • Corporate card managementnot Ramp
  • Reimbursementsnot Ramp

Ramp

  • Corporate expense management and automationnot Expensify
  • Accounts payable automation with AI invoice processingnot Expensify
  • Multi-currency travel and policy managementnot Expensify

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Expensify

  • Minimal offline expense entry capabilities hamper use in areas with unstable internet
  • OCR receipt data extraction requires manual review and correction for accuracy
  • Per-user pricing model increases costs for larger organizations

Ramp

  • Procurement module unavailable on Free plan; available as add-on on Plus
  • Workday and Oracle Fusion integrations limited to Enterprise tier only
  • Multi-entity functionality requires Plus tier or higher
  • Local card issuance in 30+ countries limited to Enterprise tier
  • Advanced ERP integrations require higher tier selection

Pricing, plan by plan

Expensify

$5/month

No published plan breakdown. See the Expensify review.

Ramp

Free
  • FreeFree
    • Unlimited physical and virtual corporate cards
    • Receipt collection and matching
    • AI-powered OCR invoice capture
  • Plus$15/month
    • All Free plan features
    • Auto-lock cards for compliance violations
    • 24/7 phone support
  • Enterprise$null/year
    • All Plus plan features
    • Custom pricing
    • Workday and Oracle integrations

Which should you pick?

Choose Expensify if

  • You need smartscan receipts.
  • You work on Web, iOS, Android.
  • You also want expense reports.
Expensify review

Choose Ramp if

  • You need expense management.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want bill pay.
Ramp review

Questions people ask

Is Expensify or Ramp better?
Neither clearly leads. Expensify starts at $5/month and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Expensify or Ramp?
Ramp has a free tier; the other does not. Paid plans start at $5/month for Expensify and Free for Ramp.
Does Expensify or Ramp run on more platforms?
Expensify runs on Web, iOS, Android. Ramp runs on Web, Mobile apps.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Expensify starts at $5/month.
What is Expensify best used for?
Expensify is most often used for expense reporting, receipt management, travel expenses, corporate card management. Of those, expense reporting and receipt management are not what Ramp is typically brought in for.
What can Expensify do that Ramp cannot?
Expensify covers SmartScan receipts, Expense reports, Reimbursements, Travel booking. Ramp covers Expense management, Bill pay, Accounting automation, Spend insights. Both handle Corporate cards, QuickBooks, Xero, NetSuite.

Answered from the vendors’ own pages

Expensify: How does Expensify capture receipts?

Expensify uses SmartScan technology with OCR to automatically extract data from receipt images, reducing manual data entry. Users can photograph receipts with their phone to quickly create expense entries.

Source
Ramp: How much does Ramp Plus plan cost?

Ramp Plus plan costs $15 USD per user per month plus a platform fee based on team size. Annual billing provides a 20% discount compared to monthly billing.

Source
Expensify: What reimbursement methods does Expensify support?

Expensify supports ACH reimbursement via direct deposit after setting up a direct deposit account. Next-day reimbursement is available, or standard processing takes 3-5 business days.

Source
Ramp: What accounting systems does Ramp integrate with?

Ramp Free and Plus plans integrate with QuickBooks Online and Xero. Plus plan adds access to additional ERP systems, and Enterprise plan supports Workday, Oracle, and advanced options.

Source
Expensify: How does Expensify offline mode work?

Expensify has limited offline capabilities. Users can capture receipts offline, but data syncs when internet connectivity is restored. Full functionality requires online access.

Source
Ramp: Does Ramp offer a free plan?

Yes, Ramp Free plan includes unlimited corporate cards, AI invoice capture, receipt collection, multiple payment methods, QuickBooks and Xero integrations, and 24/7 chat support. No pricing is charged for the Free tier.

Source
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