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Software · head to head

Ramp vs Wise Business

Ramp logo

Ramp

Software

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Software

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

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; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Ramp covers Corporate cards, Wise Business covers Multi-currency accounts.

Where they differ

Only the attributes on which Ramp and Wise Business actually diverge.

Attributes where Ramp and Wise Business differ
AttributeRampWise Business
Starting priceFree$29/month
Pricing modelUnknownusage-based
Free tierYesNo
PlatformsWeb, Mobile appsWeb, Ios, Android, Api
Founded20192011

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

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
  • NetSuite
  • Sage Intacct
  • SOC 2

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Various
  • FCA regulated
  • Bank-level security

Both cover

  • QuickBooks
  • Xero
  • Web support
  • Ios support
  • Android support

What people use each for

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

Ramp

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

Wise Business

  • Holding and converting multiple currencies as a businessnot Ramp
  • Paying international suppliers and contractors at the mid market ratenot Ramp
  • Receiving payments into local currency account details in several countriesnot 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

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

Ramp

Free

No published plan breakdown. See the Ramp review.

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

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.
Ramp review

Choose Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is Ramp or Wise Business better?
Neither clearly leads. Ramp starts at Free and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Ramp or Wise Business?
Ramp has a free tier; the other does not. Paid plans start at Free for Ramp and $29/month for Wise Business.
Does Ramp or Wise Business run on more platforms?
Ramp runs on Web, Mobile apps. Wise Business runs on Web, Ios, Android, Api.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Wise Business starts at $29/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 Wise Business is typically brought in for.
What can Ramp do that Wise Business cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle QuickBooks, Xero, Web support, Ios support.
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