Best Ramp Alternatives in 2026
Ramp (Free / $0/mo) not the right fit? Here are 4 alternatives we tested and compared — from free options to enterprise-grade tools.
Last updated: February 2026 · 4 alternatives reviewed
Ramp
Corporate card and expense management platform that helps businesses save money through spend intelligence.
- Requires a US EIN (not available for sole proprietors in some states)
- Minimum revenue requirements for approval
- International currency support is limited
📝 Why People Look for Ramp Alternatives
Ramp is the most innovative corporate card/expense management product of the past 3 years. The spend intelligence feature has genuinely saved companies 5-10% on SaaS subscriptions by identifying unused licenses and duplicate tools. The fact that it's free (they make money from interchange fees) makes it a no-brainer for any US startup.
Moving from Expensify or Brex? Ramp's onboarding team handles card migration. The transition takes about 2 weeks. The biggest win is consolidation: Ramp replaces your corporate card + expense tool + bill pay in one free platform.
Top 4 Alternatives to Ramp
Mercury
Modern business banking designed for startups and tech companies. FDIC-insured with powerful API.
- Completely free business checking — no monthly fees, no minimums
- Beautiful modern UI designed for tech founders
- US-only — not available for international businesses
- No cash deposits (online-only bank)
Wise (TransferWise)
International money transfer and multi-currency business account with real exchange rates.
- Mid-market exchange rate — no hidden markup (saves 3-5% vs banks)
- Hold and convert 40+ currencies in one account
- Not a full bank — no lending, credit, or overdraft
- Large transfers (>$100K) may trigger compliance delays
Plaid
Financial infrastructure API that connects applications to users' bank accounts for data access and payments.
- Connects to 12,000+ financial institutions in US, Canada, UK, EU
- Clean API with excellent documentation (Stripe-level DX)
- Per-connection pricing can get expensive at scale
- Some banks have unreliable connections (data delays)
Expensify
Expense management platform with receipt scanning, corporate cards, and automated reimbursement.
- Best-in-class OCR receipt scanning (SmartScan)
- One-click expense report creation
- Free plan limited to 25 SmartScans/month
- Can be confusing to set up approval workflows
Frequently Asked Questions
What is the best free alternative to Ramp?
The best free alternatives to Ramp include Mercury, Wise (TransferWise), Plaid. Each offers a free plan with varying feature limits.
Is there a cheaper alternative to Ramp?
Yes. Ramp starts at Free / $0/mo. Several competitors offer lower pricing.
Why do people switch from Ramp?
Common reasons include: Requires a US EIN (not available for sole proprietors in some states), Minimum revenue requirements for approval, International currency support is limited. Each alternative addresses different pain points, so the best choice depends on your specific needs.
Can I migrate my data from Ramp?
Most alternatives offer import tools or CSV migration paths. The complexity depends on your data volume and workflow complexity. We recommend running both tools in parallel for 1-2 weeks during transition.