Comparison
Pleo vs Ramp
A side-by-side look at Pleo and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
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 | Pleo | Ramp |
|---|---|---|
| Tagline | Smart company cards for European teams. | Corporate cards + spend management that saves you money. |
| Headquarters | Copenhagen, Denmark | New York, USA |
| Founded | 2015 | 2019 |
| Regions | EU, UK | US |
| Card type | Prepaid + credit (market dependent) | Charge card |
| Pricing | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | 1% cashback on Advanced+ in select markets. | 1.5% cashback on all purchases. |
| Best for | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Xero, QuickBooks, Sage, Datev, Economic, Visma | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails