Softwr

Accounting · head to head

Ramp vs Wise Business

Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting

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.
  • Prices and features above were last checked on 30 August 2026.

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 modelsubscriptionusage-based
Free tierYesNo
PlatformsWeb, Mobile appsWeb, Ios, Android, Api
Founded20192011

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
  • 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
  • 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

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.

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.

Source
Wise Business: How fast are international transfers with Wise Business?

Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.

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
Wise Business: Does Wise Business offer volume discounts?

Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.

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
Wise Business: How does Wise Business keep funds secure?

Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.

Source
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