Comparison
Airwallex vs Ramp
A side-by-side look at Airwallex and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Airwallex
The global financial platform for modern business.
Airwallex provides multi-currency accounts, global cards, FX, bill pay and embedded finance — letting companies operate like locals in 60+ countries.
Ramp
Corporate cards + spend management that saves you money.
Ramp is a finance automation platform that combines corporate cards, bill pay, expense management, accounting automation and procurement — with AI that actively surfaces savings.
Side-by-side
| Spec | Airwallex | Ramp |
|---|---|---|
| Tagline | The global financial platform for modern business. | Corporate cards + spend management that saves you money. |
| Headquarters | Melbourne, Australia | New York, USA |
| Founded | 2015 | 2019 |
| Regions | Global, APAC, EU, UK, US | US |
| Card type | Visa charge / debit (market dependent) | Charge card |
| Pricing | Free base account; cards free; FX from 0.4%. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Cashback on eligible spend (market dependent). | 1.5% cashback on all purchases. |
| Best for | Cross-border businesses, Marketplaces, Global SaaS | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Xero, NetSuite, QuickBooks | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Airwallex: pros & cons
- Best-in-class FX
- True global coverage
- Powerful APIs
- Onboarding can be slow
- Spend management is lighter than dedicated tools
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails