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