Expensify vs Ramp (October 2026): expense reports or corporate cards first?

Expensify or Ramp: the verdict

Expensify vs Ramp: comparison table

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Expensify vs Ramp: what it costs per year

Pricing: Expensify's $5 is the entry plan, Control costs $18 to $36, Ramp's Plus fee is unpublished

Expensify's homepage says it is free for individuals and company plans start at $5 per member. That $5 is the Collect plan. According to the Expensify help center, Collect costs $5 per unique member and month and is available only as a pay-per-use subscription. The Control plan costs $18 per member included in your subscription size on an annual subscription, plus $36 for each active member above that size. On pay-per-use, Control costs $36 per active member and month (as of October 2026).

Two details change the real cost. First, the annual Control subscription is a 12 month commitment, billed monthly, and the subscription size can be raised at any time but lowered only at renewal. Second, Control workspaces on an annual subscription can receive up to 50 percent off, which brings $18 to $9 and $36 to $18, depending on how much of their approved US dollar expenses run on the Expensify Card. Expensify publishes fixed prices in US dollars, pounds, euros, Australian dollars and New Zealand dollars.

Ramp's pricing page lists a Free plan at $0 per user and month with corporate cards, expense management, basic invoice capture, QuickBooks Online and Xero. Plus costs $15 per user and month plus a platform fee based on team size, with 20 percent off for annual billing and a 30 day free trial. The fee amount is not published. Enterprise is custom and billed annually. Because of the unpublished fee, you cannot calculate Ramp's cost for 100 employees from the page, so ask for a quote at your headcount.

AI: Expensify's Concierge is open to every member, Ramp's agents sit in Plus

Expensify's SmartScan reads amount, date and merchant from a photographed, emailed or texted receipt. Its Concierge is described in the help center as a hybrid AI agent built with generative AI, automation tools and a rules engine. Every member can use it, with no special permission. Concierge can create expenses, submit and export reports, approve reports when the user has permission, answer spend questions and change workspace settings such as receipt rules. The help center adds that some advanced or bulk actions are not supported yet.

Expensify states that it has zero-retention agreements with its AI providers, so data is not stored or reused by them. We could not find a public list of which AI models or subprocessors power Concierge. If you need that list, put it in your vendor questionnaire.

Ramp puts its AI into Plus. The Policy Agent reads your written expense policy and gives each card transaction and reimbursement one of three recommendations: approve, requires review, or rejection recommended. Ramp's support page says reviewers keep final authority, the agent leans conservative on unclear cases, and OpenAI does not retain or train on Ramp customer data. The Accounting Agent, announced in February 2026, codes transactions, posts accruals and reconciles against supported ERPs, with finance teams setting what it may post on its own. The accuracy figures in Ramp's announcements, such as 99 percent for policy decisions and 98 percent for transactions marked ready to sync, are vendor claims that we have not tested.

Integrations, export and switching: both cover the common ledgers, neither lists DATEV

Expensify lists more than 45 integrations on its homepage, including QuickBooks, NetSuite, Sage Intacct, Xero, Workday, Gusto and ADP. Per the help center, ERP integrations such as NetSuite and Sage Intacct and HR integrations such as Workday and BambooHR are part of Control. For systems without a direct link, Expensify documents pre-configured flat-file exports for Sage, Microsoft Dynamics, MYOB, Oracle and SAP, and lets admins build a custom export template. DATEV, the standard accounting exchange format in Germany, is not named in that document, so a custom template is the likely route.

Ramp's integrations page names NetSuite, Sage Intacct, QuickBooks Online and Desktop, Xero, Microsoft Dynamics Business Central and Finance and Operations, Workday Financial Management, Acumatica, Oracle Fusion Cloud and Zoho Books, and says it supports more than 40 accounting systems. On the pricing page, the Free plan covers QuickBooks Online and Xero, Plus adds NetSuite, Sage Intacct, Acumatica and Microsoft Dynamics, and Enterprise adds Workday and Oracle Fusion Cloud. DATEV is not on the list; Ramp invites integration requests.

Leaving either tool means exporting your history. Ramp exports transactions, reimbursements, bill pay and vendor data as CSV files, with receipt links, and offers an IIF file for QuickBooks Desktop. Only owners, admins and managers can export. Our reading of the help pages did not turn up how long Ramp keeps data after an account closes, so ask in writing. For Expensify, a custom export template and the report export are the documented routes. Test an export with a few hundred real transactions before you sign.

Where each tool works: Expensify is global, Ramp is US, Canada and now the UK

Expensify's annual report says the platform operates in more than 200 countries and territories, and its homepage advertises global reimbursements in local currencies. The Expensify Card is a Visa Commercial Card with cash back on US purchases, and the card-based discount is calculated on US dollar expenses, so a company without US card spend gets little from it.

Ramp launched in the UK on September 15, 2026, its first major move outside North America after Canada in July 2026. According to Ramp's announcement, UK cards are issued by Stripe Payments UK Limited, an electronic money institution authorised by the Financial Conduct Authority, under the Visa scheme. Ramp bought the Stockholm and London payments firm Billhop in March 2026, which gave it payments authorisation in the UK and the EU, and IT Brief reports European customers already live after a beta. Stripe's customer story lists a card program covering the UK and the EEA, including Germany, in pounds and euros.

For a German, Austrian or Swiss company, that is still a thin basis. We found no German-language pricing, no German help center and no statement that Ramp's full plans are open to German entities, and Ramp's own announcement points to Europe as the next step. Treat Ramp as a US and UK product until your account manager confirms your entity, cards and ledger in writing. Our directory lists 70 tools for expense management, and 18 of them can host data in the EU, which matters if that is your starting point.

Employee data, audit reports and the works council

Expensify's privacy policy says it may host and process data in the United States and other countries. For transfers from the EEA, the UK and Switzerland it relies on standard contractual clauses and certifies to the EU-U.S. Data Privacy Framework with its UK and Swiss extensions. We found no published choice of EU hosting region. Expensify's 10-K states it is PCI DSS Level 1, SOC 1 Type II and SOC 2 Type II compliant, which corrects an earlier version of this page that said we found no audit statement.

Ramp's trust center lists ISO/IEC 27001:2022, SOC 1 and SOC 2 Type II, PCI DSS v4.0, FedRAMP Moderate, Cyber Essentials Plus, GovRAMP and TX-RAMP. It runs on Amazon Web Services, and it names subprocessors including AI and infrastructure providers. Ramp states that all subprocessors have signed data processing agreements. Detailed documents require an NDA, and no hosting region is published, so ask for the region, the data processing agreement under Art. 28 GDPR and the transfer mechanism before a European rollout.

In Germany, expense and card tools record who spent what, where and when. Under § 87(1) no. 6 of the Works Constitution Act (BetrVG), the works council has a say in introducing technical systems designed to monitor employee behavior or performance. Policy flags and AI spend reviews fall into that discussion. The EU AI Act lists AI systems used to monitor and evaluate the performance and behavior of workers as high-risk in Annex III. Whether a pure expense check meets that wording is a legal question for your counsel, but involve the works council and your data protection officer before the rollout, not after.

Vendor health and weak points on both sides

Expensify is a small public company. In the second quarter of 2026 it reported revenue of $33.9 million, down 5 percent, with 640,000 average paid members, down 2 percent, a GAAP net loss of $3.9 million and Expensify Card interchange of $5.9 million, up 12 percent. Its 10-K reports 117 full-time employees at the end of 2025 and an average of about 650,000 paid members across about 39,700 companies in the fourth quarter. The company says customers on its newer Expensify product generated more than $10 million in annualized recurring revenue, up 250 percent, but the total is still shrinking, and part of its income depends on card interchange.

Ramp is the opposite case. TechCrunch reported on June 4, 2026 that Ramp raised $750 million at a $44 billion valuation, with more than 70,000 customers, annualized revenue above $1 billion and positive free cash flow. The same article notes that investors are rewarding fintechs with an AI story, so the valuation reflects expectations as well as results.

Each tool has a clear weak spot. Expensify's useful features, including SAML sign-on, ERP links and multi-level approvals, sit in Control at $18 or more per member, and its card discount is built around US spending. Ramp's AI and its larger ERP links need Plus with an unpublished fee, its pricing page lists single sign-on only in Plus and Enterprise, and its European footprint is only just starting. Neither publishes a hosting region. For a wider market view, see Pleo vs Spendesk, two European spend tools we compared separately.

Who fits by company size and country

A company of 20 to 50 people in the US, UK or Canada whose staff mostly use company cards will likely start cheaper with Ramp's Free plan. Move to Plus once AI review or NetSuite becomes necessary. A company of the same size where staff pay out of pocket and need reimbursement across several countries fits Collect at $5 per unique member, with no card needed.

A midsize company with 200 to 1,000 employees usually needs single sign-on, multi-level approvals and an ERP link. That means Control at Expensify, at $18 to $36 per member and month before any card discount, or Plus at Ramp, at $15 per user plus a fee. Compare the totals at your real headcount, because neither page lets you calculate them.

A DACH company with a German entity should first ask both vendors for the hosting region, the Art. 28 GDPR agreement and a DATEV or flat-file path. Expensify is easier to start with there, because it already serves many countries. The question is the US storage. Ramp may be the better choice later, once its European offer is documented.

Who should pick Expensify and who Ramp

The bottom line

Look at last quarter's expenses. If most were paid by employees and reimbursed, Expensify's Collect and Control plans fit how you work today, and the real price is Control at $18 to $36 per member. If you want to move spending onto cards and your entities are in the US, Canada or the UK, Ramp's Free plan is a low-risk start, and Plus is where its AI begins. In Germany, settle hosting, the data processing agreement and the works council before you choose either.