Choose Expensify if you want receipt scanning, mileage tracking and expense reports any employee can use, with a free Submit plan and the option to bring your own cards from 10,000+ banks. Choose Ramp if you want corporate cards, expenses, supplier payments and accounting automation on one platform, with a free plan for smaller teams. UK businesses should note that Ramp is now live in the UK, with GBP cards and VAT-aware, MTD-compatible accounting workflows.
I read Expensify's home and plans pages and Ramp's UK home, expense management and plans pages, because Ramp's UK launch changes the comparison for British businesses.
Expensify and Ramp compared
| Expensify | Ramp | |
|---|---|---|
| Starting point | Expense reports, receipts and reimbursements | Corporate cards and spend management |
| Receipts | SmartScan from a photo | Submit through WhatsApp or the Ramp app |
| Cards | Expensify Visa Commercial Card, or bring your own cards | Physical and virtual GBP cards with limits and merchant controls |
| Supplier bills | Bill scanning and automated payments | Invoice capture, approvals and supplier payments |
| Accounting | 45+ integrations, including QuickBooks, Xero, NetSuite and Sage Intacct | Xero, QuickBooks and NetSuite sync |
| UK specifics | Not set out on the pages I read | VAT-aware, MTD-compatible workflows |
| Free option (as of October 2026) | Submit plan, free for all members | Free plan for smaller teams |
Two different starting points
Expensify starts with the employee and the receipt. Its home page describes an all-in-one platform that automates expense management from receipt scanning and corporate cards to travel booking and reimbursements, and says it has 15 million+ members. Ramp starts with the finance team's card and ledger: its UK page talks about bringing corporate cards, expenses, supplier payments and accounting automation together, built for UK finance teams, and says 85,000+ businesses use it.
What Expensify covers
Expensify's Submit plan is free for all members and covers receipt scanning, mileage tracking, expense reports, categories and tags, custom distance and tax rates, personal card import and chat on every expense. The Collect plan adds reimbursements, corporate card management, approvals, travel booking and QuickBooks and Xero integrations, and Control adds multiple approval flows, custom rules, ERP and HR integrations, SAML single sign-on and reporting. You can link cards from 10,000+ banks so transactions flow in automatically.
Ramp in the UK
For British readers this is the news. Ramp's UK site says Ramp is live in the UK, with physical and virtual GBP cards, policy checks on expenses, invoice capture with approval routing, and automatic transaction coding synced to Xero, QuickBooks and NetSuite. Its UK free plan includes corporate charge cards and a credit facility subject to approval, unlimited physical and virtual cards, reimbursements, accounts payable with eligible UK supplier payments and VAT-aware, MTD-compatible accounting workflows. Ramp Plus is the custom plan for growing teams with several entities.
Choosing for your team
- Staff mostly pay on their own cards and claim it back? Expensify's free Submit plan handles that.
- Want to issue company cards with limits instead of reimbursing? Ramp is built around cards.
- UK business that needs VAT-aware workflows? Ramp's UK plans list them.
- Need to keep existing bank cards? Expensify can bring in cards from 10,000+ banks.
- Paying lots of supplier invoices? Both handle bills; Ramp ties them to the same platform as your cards.
For more options, see my round-up of expense management software, and if receipts are only part of the problem, here's how a bookkeeping service can help your small business.
My advice on Expensify or Ramp
If your team mainly needs a painless way to snap receipts and file expense reports, I'd start with Expensify's free Submit plan. If you'd rather give staff company cards with limits so there's nothing to reclaim, and you want supplier bills and bookkeeping in the same place, Ramp is the stronger fit, and its UK launch makes it a real option for British businesses now. Try either with one team for a month before you roll it out.
Do you make expense management tools? Tool makers can ask to be considered for a featured place in comparisons like this one.
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Frequently asked questions
Is Expensify free?
Expensify's Submit plan is free for all members and includes receipt scanning, mileage tracking and expense reports. Collect and Control are paid plans.
Is Ramp available in the UK?
Yes. Ramp's UK site says Ramp is live in the UK, with GBP cards and VAT-aware, MTD-compatible accounting workflows.
Does Ramp have a free plan?
Yes. Ramp's UK plans page lists a Free plan for smaller teams with corporate cards, expenses, reimbursements and accounts payable.
Can I use my own cards with Expensify?
Yes. Expensify says you can link cards from 10,000+ banks worldwide so transactions flow in automatically.
Which accounting tools do Expensify and Ramp connect to?
Expensify lists 45+ integrations including QuickBooks, NetSuite, Sage Intacct and Xero. Ramp syncs to Xero, QuickBooks and NetSuite.
