Accounting · head to head
Ramp vs Soldo
Soldo
Accounting
Prepaid company card and spend control platform for European businesses
- From
- £21/month
- Rated
- -
The short version
- Only Ramp has a free tier, so it costs nothing to try first.
- Each has a real cost: Ramp procurement module unavailable on Free plan; available as add-on on Plus; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
- They diverge on capability: Ramp covers Corporate cards, Soldo covers Prepaid company cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Ramp and Soldo actually diverge.
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 Ramp
- Corporate cards
- Expense management
- Bill pay
- Accounting automation
- Spend insights
- QuickBooks
- NetSuite
- Xero
Only in Soldo
- Prepaid company cards
- Card-level budgets
- Receipt capture
- Accounting export
- Multi-currency wallets
- Approval workflows
What people use each for
The jobs each tool is most often brought in to do.
Ramp
- Corporate expense management and automationnot Soldo
- Accounts payable automation with AI invoice processingnot Soldo
- Multi-currency travel and policy managementnot Soldo
Soldo
- A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Ramp
- A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Ramp
- A UK company that cannot get approved for a credit-based corporate card programmenot Ramp
- A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot Ramp
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Soldo
- Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
- The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
- It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
- Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
- Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.
Pricing, plan by plan
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
Soldo
£21/month- Standard$21/month
- Three users included
- Around £7 per additional user per month
- Physical card issuance fee around £5, virtual around £1
- Plus$33/month
- Three users included
- Around £11 per additional user per month
- Advanced approval and multi-currency features
- Enterprise$undefined/month
- Quoted pricing
- Custom card volumes and entity structures
- Dedicated account management
Which should you pick?
Choose Ramp if
- You need corporate cards.
- You want to start without paying.
- You work on Web, Mobile apps.
- You also want expense management.
Choose Soldo if
- You need prepaid company cards.
- You work on Web, iOS, Android.
- You also want card-level budgets.
Questions people ask
- Is Ramp or Soldo better?
- Neither clearly leads. Ramp starts at Free and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Ramp or Soldo?
- Ramp has a free tier; the other does not. Paid plans start at Free for Ramp and £21/month for Soldo.
- Does Ramp or Soldo run on more platforms?
- Ramp runs on Web, Mobile apps. Soldo runs on Web, iOS, Android.
- Can I use Ramp for free?
- Yes. Ramp has a free tier, so you can try it without paying. Soldo starts at £21/month.
- What is Ramp best used for?
- Ramp is most often used for corporate expense management and automation, accounts payable automation with ai invoice processing, multi-currency travel and policy management. Of those, corporate expense management and automation and accounts payable automation with ai invoice processing are not what Soldo is typically brought in for.
- What can Ramp do that Soldo cannot?
- Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.
Answered from the vendors’ own pages
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.
SourceSoldo: Is Soldo a credit card?
No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.
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.
SourceSoldo: What licence does Soldo hold?
Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.
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.
SourceSoldo: What does it really cost for twenty users?
Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.
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