Comparison
Ramp vs Wise Business
A side-by-side look at Ramp and Wise Business — 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.
Wise Business
Send, hold and convert money in 40+ currencies.
Wise Business gives companies multi-currency accounts, local banking details in 10 currencies, and debit cards — at the mid-market FX rate.
Side-by-side
| Spec | Ramp | Wise Business |
|---|---|---|
| Tagline | Corporate cards + spend management that saves you money. | Send, hold and convert money in 40+ currencies. |
| Headquarters | New York, USA | London, UK |
| Founded | 2019 | 2011 |
| Regions | US | Global, EU, UK, US |
| Card type | Charge card | Mastercard debit |
| Pricing | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. | One-off setup fee in some markets; usage-based FX. |
| Rewards | 1.5% cashback on all purchases. | — |
| Best for | SMBs, Mid-market, Finance teams obsessed with control | Cross-border SMBs, Freelancers, Remote-first companies |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics | Xero, QuickBooks, FreeAgent, Wave |
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails
Wise Business: pros & cons
- Cheapest FX in market
- Trusted global brand
- No credit
- Limited spend controls