Comparison
Ramp vs Spendesk
A side-by-side look at Ramp and Spendesk — 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.
Spendesk
The 7-in-1 spend management platform for finance teams.
Spendesk unifies corporate cards, invoice payments, expense claims, approval workflows, budgets and pre-accounting — purpose-built for European mid-market finance teams.
Side-by-side
| Spec | Ramp | Spendesk |
|---|---|---|
| Tagline | Corporate cards + spend management that saves you money. | The 7-in-1 spend management platform for finance teams. |
| Headquarters | New York, USA | Paris, France |
| Founded | 2019 | 2016 |
| Regions | US | EU, UK |
| Card type | Charge card | Prepaid + credit (FR market) |
| Pricing | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. | Custom pricing based on users and modules. |
| Rewards | 1.5% cashback on all purchases. | — |
| Best for | SMBs, Mid-market, Finance teams obsessed with control | Mid-market, Multi-entity European groups, Finance teams that need approval workflows |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics | Datev, Netsuite, Xero, QuickBooks, Sage, Cegid |
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails
Spendesk: pros & cons
- Workflow depth
- European compliance built-in
- Banking license (Spendesk Financial Services)
- Opaque pricing
- Heavier than Pleo for small teams