Comparison
Vivid Business vs Ramp
A side-by-side look at Vivid Business and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Vivid Business
The financial super-app for European businesses.
Vivid Business is a European business banking app combining accounts, cards, sub-accounts and investing for SMBs.
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 | Vivid Business | Ramp |
|---|---|---|
| Tagline | The financial super-app for European businesses. | Corporate cards + spend management that saves you money. |
| Headquarters | Berlin, Germany | New York, USA |
| Founded | 2020 | 2019 |
| Regions | EU | US |
| Card type | Visa debit | Charge card |
| Pricing | From €0 Standard to €100/mo Enterprise. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Cashback on premium plans. | 1.5% cashback on all purchases. |
| Best for | European SMBs, Freelancers | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Datev, Xero | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Vivid Business: pros & cons
- Flexible sub-accounts
- No credit
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails