Comparison
Qonto vs Ramp
A side-by-side look at Qonto and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Qonto
The finance solution that simplifies everything but accounting.
Qonto is a European business neobank used by 500k+ businesses across France, Germany, Italy, Spain, Belgium, Netherlands, Austria and Portugal — offering accounts, cards, invoicing and accounting.
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 | Qonto | Ramp |
|---|---|---|
| Tagline | The finance solution that simplifies everything but accounting. | Corporate cards + spend management that saves you money. |
| Headquarters | Paris, France | New York, USA |
| Founded | 2016 | 2019 |
| Regions | EU | US |
| Card type | Mastercard debit (One, Plus, X, Metal) | Charge card |
| Pricing | From €9/mo Basic up to €249/mo Enterprise. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Cashback on premium card tiers. | 1.5% cashback on all purchases. |
| Best for | European SMBs, Freelancers, Startups | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails