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