Ramp vs Wise
A source-aware comparison of pricing, documented capabilities and workflow fit.
Short answer
Different tools that happen to both touch company money. Ramp is spend management: corporate cards, expense and travel, and accounts payable with OCR — free at the core, with paid tiers for scale-up controls and enterprise integrations. Wise is international payments: multi-currency accounts, local payment rails and per-transfer fees that depend on the currency route. Ramp's job is stopping overspend before it happens; Wise's job is moving money across borders cheaply and transparently. Many finance stacks use both — Wise to settle foreign invoices and contractors, Ramp to govern what the team spends. Choose Ramp if the problem is visibility and control of team spend; choose Wise if the problem is the cost and friction of cross-border payments.
Ramp is the pick when
- you issue corporate cards and want budgets and approvals enforced at the card level
- you want expense, travel and accounts payable in one free-to-use platform
- you need Workday/Oracle-grade accounting integrations on the enterprise tier
Wise is the pick when
- you pay contractors or suppliers in other countries and need local rails
- you hold balances in several currencies and convert with transparent fees
- you want per-transfer pricing instead of a subscription
Written by hand from both vendors’ own documentation, checked 2026-09-15. Sources: Ramp — Pricing, Wise — Fees for using Wise. Prices below come from the pricing we track. How we score tools.
What Ramp is
What Ramp isRamp issues corporate cards and manages spend, with no subscription fee, making money on interchange instead. Because the revenue comes from interchange, the software has no subscription line, which makes it easy to justify internally. The condition is that spend actually runs through its cards; the value falls away if most of your payments happen elsewhere.
What Wise is
What Wise isWise Business supports holding, receiving, converting and sending supported currencies, with fees determined by business location, currencies, amount and payment method. Wise is not a bank in the cited UK service; customer funds are safeguarded under the rules of the serving Wise entity rather than treated as ordinary bank deposits.
Side by side
| Ramp | Wise | |
|---|---|---|
| Category | Finance Tools | Finance Tools |
| How to start | Freeverified | Usage-basednot a monthly price |
| Public API | Yes | Yes |
| Mobile app | Yes | Yes |
| Open source / self-hostable | No | No |
| SSO (SAML) | Yes | No |
| Visit | Ramp ↗ | Wise ↗ |
Some links on this page earn us a commission if you sign up. It never changes a price you pay, a verdict we publish, or the order tools appear in.
What Ramp is built to do
- Corporate cards with controls
- Issues virtual and physical cards with per-card limits and merchant rules.
- Automated expense capture
- Matches receipts to transactions and codes them to the ledger.
- Accounting sync
- Pushes coded transactions into the general ledger automatically.
What Wise is built to do
- Currency conversion
- Converts supported currencies using a displayed exchange rate and transaction fee.
- Receiving details
- Offers local-style account details where available for the business and region.
- International payouts
- Sends supported business payments across countries and currencies.
- Wise API
- Provides limited business automation tokens and separately onboarded partner integrations.
Choose Ramp if
- US companies that want corporate cards, expenses and bill pay with no software fee on the free tier
- Finance teams that want AI expense review and NetSuite or Sage Intacct sync: Plus is $15/user/month plus a platform fee
- Multi-entity groups on Plus or Enterprise
Skip Ramp if
- You are outside Ramp's supported markets — local-currency issuing in 30+ countries is an Enterprise feature
- You need Workday or Oracle ERP integrations on a self-serve plan
- You want a published cashback rate: the page did not display one at fetch time
Choose Wise if
- Businesses receiving or paying in multiple supported currencies
- Teams that compare the displayed conversion fee before each transfer
- Organizations using supported accounting connections or limited payout automation
Skip Wise if
- Your business type, country or intended activity is unsupported
- You require a conventional bank deposit product with the same local insurance scheme
- Your integration needs partner API endpoints without completing Wise onboarding
Evidence and freshness
Where a claim on this page comes from a vendor page, it is linked here.
Wise
Official sources reviewed · reviewed 2026-08-24
Ramp: pros & cons
- No software fee
- Automated receipt matching and policy controls
- Genuinely useful spend insights
- US-focused availability
- Requires a qualifying business
- Not a full banking replacement
Wise: pros & cons
- Quoted conversion: Wise states that it uses the mid-market rate and shows the applicable fee.
- Multi-currency operations: Supports account balances and international business payments in documented markets.
- Business automation: Personal API tokens expose a limited endpoint set, while partners receive broader onboarding.
- Multi-user controls: Business accounts support additional users with permission levels.
- Not a bank: Safeguarding rules and compensation or deposit-insurance treatment differ by entity and product.
- Location-dependent access: Supported businesses, features, account details and fees vary by registration country.
- Verification requirements: Wise may request business, ownership and registry documentation before use.
- API boundary: Business personal tokens cover only selected endpoints and are not partner credentials.
Our verdict on Ramp
Very strong value where available. The lack of a fee is real, not a trial.
Our verdict on Wise
Choose Wise Business for supported cross-border workflows after checking the exact regional fee and entity terms; do not treat availability, protection or price as globally uniform.
Published plans, side by side
Every figure below was read from the vendor's own pricing page and is shown with the sentence it came from. Where a vendor publishes no plan prices, we say so rather than guess.
Ramp
- Free$0/user/mo
Free $0/user/month: unlimited cards, travel and expense, AP with OCR, basic accounting integrations
Wise
No published plan prices verified. Wise either quotes on request or renders its prices in a way we could not read from the pricing page.
Ramp vs Wise: common questions
- Are Ramp and Wise competitors?
- Mostly no — they do different jobs. Ramp is a spend-management platform: it issues corporate cards (unlimited cards on the free plan), handles travel and expense, and automates accounts payable with OCR, syncing to accounting tools. Wise is a cross-border money mover: multi-currency accounts for holding and converting balances, business payments, and per-transfer pricing that depends on the route. The overlap is small enough that many finance teams run both: Wise to pay overseas contractors and suppliers in local currency, Ramp to control what the team spends at home. Choosing one over the other only makes sense if your problem is domestic spend control or international payments — each covers only one half. Source: Ramp — Pricing; Wise — Fees for using Wise
- Is Ramp actually free?
- Ramp's core plan is published as Free $0/user/month: unlimited cards, travel and expense, AP with OCR and basic accounting integrations. The paid Plus tier is $15/month per user plus a platform fee based on team size, with a 30-day trial and a discount on annual billing; Enterprise is custom and annual-only, adding a dedicated manager, Workday/Oracle integrations and local-currency cards. Wise inverts the model: there is no seat subscription to compare — its help center documents country-dependent registration fees, an account-details fee and regional pricing, so cost scales with how much you move and which corridors you use rather than with headcount. Source: Ramp — Pricing; Wise — Fees for using Wise
- Does Ramp or Wise have a free plan?
- Ramp is free, while Wise has no free plan listed.
- What is the difference between Ramp and Wise?
- On the criteria we check, only Ramp has sso (saml); both offer public api and mobile app. The table above lists every criterion side by side.