Softwr

Accounting · head to head

Pleo vs Ramp

Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/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: Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Pleo covers Company cards, Ramp covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Pleo and Ramp actually diverge.

Attributes where Pleo and Ramp differ
AttributePleoRamp
Starting price£9.5/monthFree
Pricing modelUnknownsubscription
Free tierNoYes
PlatformsiOS, Android, WebWeb, Mobile apps
Founded20152019

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 Pleo

  • Company cards
  • Receipt capture
  • Expense categorization
  • Spend limits
  • Accounting sync
  • Sage

Only in Ramp

  • Corporate cards
  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • Sage Intacct

Both cover

  • Xero
  • QuickBooks
  • NetSuite
  • PCI DSS
  • SOC 2
  • Web support
  • Ios support
  • Android support

What people use each for

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

Pleo

  • Employee expensesnot Ramp
  • Spending autonomynot Ramp
  • Expense automationnot Ramp

Ramp

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

Where each one falls short

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

Pleo

  • Card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
  • Limited expense categories and tags reduce flexibility for complex accounting structures
  • Transaction approval workflows have minimal customization options
  • Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

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

Pleo

£9.5/month
  • Starter$9.5/month
    • Company cards
    • Real-time expense tracking
    • Automated reports
  • Essential$39/month
    • Reimbursements
    • Mileage and per diem
    • Vendor cards
  • Advanced$89/month
    • Cashback
    • Budgets
    • Multi-entity management
  • Beyond$179/month
    • Spending insights
    • Sub-wallets
    • Dedicated success manager

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 Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want receipt capture.
Pleo 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 Pleo or Ramp better?
Neither clearly leads. Pleo starts at £9.5/month and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Pleo or Ramp?
Ramp has a free tier; the other does not. Paid plans start at £9.5/month for Pleo and Free for Ramp.
Does Pleo or Ramp run on more platforms?
Pleo runs on iOS, Android, Web. 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. Pleo starts at £9.5/month.
What is Pleo best used for?
Pleo is most often used for employee expenses, spending autonomy, expense automation. Of those, employee expenses and spending autonomy are not what Ramp is typically brought in for.
What can Pleo do that Ramp cannot?
Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits. Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation. Both handle Xero, QuickBooks, NetSuite, PCI DSS.

Answered from the vendors’ own pages

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

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
Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

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
Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

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
Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source
Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source
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