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Accounting · head to head

FreeAgent vs Ramp

FreeAgent logo

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From
Free
Rated
-
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-

The short version

  • Each has a real cost: FreeAgent introductory pricing shown is 50% off the regular rates; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which FreeAgent and Ramp actually diverge.

Attributes where FreeAgent and Ramp differ
AttributeFreeAgentRamp
PlatformsWebWeb, Mobile apps
FoundedUnknown2019

Identical on both: starting price (Free), pricing model (subscription), free tier (Yes), 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 FreeAgent

Nothing recorded that Ramp does not also cover.

Only in Ramp

  • Corporate cards
  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero

What people use each for

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

FreeAgent

  • Submitting VAT and Self Assessment tax returns to HMRC directlynot Ramp
  • Splitting rental income and expenses across multiple properties automaticallynot Ramp
  • Collecting invoice payments faster through one-click payments and remindersnot Ramp
  • Capturing bills and receipts via AI to auto-categorize expensesnot Ramp
  • Filing Real Time Information payroll directly to HMRC for employeesnot Ramp

Ramp

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

Where each one falls short

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

FreeAgent

  • Introductory pricing shown is 50% off the regular rates
  • All prices exclude 20% VAT
  • Add-ons required for some features (Smart Capture Unlimited £5/month, Amazon integration £6/month)

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

FreeAgent

Free
  • Sole Traders$9.5/month
    • Introductory rate (regular price £19/month)
    • Annual option at £95/year (regular £190)
  • Landlords$5/month
    • Introductory rate (regular price £10/month)
    • Annual option at £50/year (regular £100)
  • UK Partnerships/LLPs$13.5/month
    • Introductory rate (regular price £27/month)
    • Annual option at £135/year (regular £270)
  • UK Limited Companies$16.5/month
    • Introductory rate (regular price £33/month)
    • Annual option at £330/year (regular £330)

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 FreeAgent if

  • You want to start without paying.

Choose Ramp if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want expense management.

Questions people ask

Is FreeAgent or Ramp better?
Neither clearly leads. FreeAgent starts at Free and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FreeAgent or Ramp?
FreeAgent starts at Free and Ramp at Free.
Does FreeAgent or Ramp run on more platforms?
FreeAgent runs on Web. Ramp runs on Web, Mobile apps.
Can I use FreeAgent for free?
Both have a free tier, so you can try either at no cost before committing.
What is FreeAgent best used for?
FreeAgent is most often used for submitting vat and self assessment tax returns to hmrc directly, splitting rental income and expenses across multiple properties automatically, collecting invoice payments faster through one-click payments and reminders, capturing bills and receipts via ai to auto-categorize expenses. Of those, submitting vat and self assessment tax returns to hmrc directly and splitting rental income and expenses across multiple properties automatically are not what Ramp is typically brought in for.
What can FreeAgent do that Ramp cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.

Answered from the vendors’ own pages

FreeAgent: Does FreeAgent offer a free option?

FreeAgent is free for qualifying customers maintaining business accounts with NatWest, Royal Bank of Scotland, Ulster Bank, or certain Mettle accounts.

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
FreeAgent: What is FreeAgent's pricing for sole traders?

Sole traders pay £9.50/month (50% introductory rate; regular £19/month), or £95/year annually (regular £190/year), excluding 20% VAT.

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
FreeAgent: What add-ons does FreeAgent offer?

Optional add-ons include Smart Capture Unlimited at £5/month and Amazon integration at £6/month, allowing customers to extend base plan functionality.

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
FreeAgent: Does FreeAgent offer a trial?

FreeAgent provides a 30-day free trial with no commitment, and customers can cancel at any time during or after the trial period.

Source
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