Softwr

Accounting · head to head

Navan vs Ramp

Navan logo

Navan

Accounting

AI-powered corporate travel and expense management with integrated corporate card

From
Free
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs; 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 Navan and Ramp actually diverge.

Attributes where Navan and Ramp differ
AttributeNavanRamp
Pricing modelfreemiumsubscription
PlatformsWeb, iOS, Android, APIWeb, Mobile apps
FoundedUnknown2019

Identical on both: starting price (Free), 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 Navan

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.

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Ramp
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Ramp
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Ramp
  • Global enterprises requiring multi-currency support and ERP integrationnot Ramp
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Ramp

Ramp

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

Where each one falls short

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

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

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

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

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 Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan review

Choose Ramp if

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

Questions people ask

Is Navan or Ramp better?
Neither clearly leads. Navan 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, Navan or Ramp?
Navan starts at Free and Ramp at Free.
Does Navan or Ramp run on more platforms?
Navan runs on Web, iOS, Android, API. Ramp runs on Web, Mobile apps.
Can I use Navan for free?
Both have a free tier, so you can try either at no cost before committing.
What is Navan best used for?
Navan is most often used for mid-market and enterprise companies automating travel and expense workflows, organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts, teams utilising corporate card programmes for spend tracking without receipt capture overhead, global enterprises requiring multi-currency support and erp integration. Of those, mid-market and enterprise companies automating travel and expense workflows and organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts are not what Ramp is typically brought in for.
What can Navan do that Ramp cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.

Answered from the vendors’ own pages

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

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
Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

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
Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

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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