FreeAgent vs Ramp (2026): Pricing, Features & Verdict
Ramp is our pick, scoring 7.8/10 against 6.4/10 for FreeAgent on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 3/10). Only Ramp has a free plan.
Last updated: November 2026
FreeAgent
6.4/10
FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.
Ramp
7.8/10
Ramp is a US spend management platform that combines corporate cards, expense management, bill pay, AR invoicing and AI accounting automation for finance teams.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 7.8/10 |
| Scalability | 3/10 | 8/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 6/10 | 8/10 |
| Security | 6/10 | 8/10 |
| Support | 7/10 | 7/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 7/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £10/mo Landlord | $15/user/mo Plus |
| Estimated cost for 10 users | £10/mo Landlord | Free Free |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
FreeAgent vs Ramp cost by team size
| Team size | FreeAgent | Ramp |
|---|---|---|
| 1 user | £10/moLandlord | FreeFree |
| 5 users | £10/moLandlord | FreeFree |
| 10 users | £10/moLandlord | FreeFree |
| 25 users | £10/moLandlord | FreeFree |
| 50 users | £10/moLandlord | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who FreeAgent and Ramp suit
FreeAgent fits freelancers better; Ramp fits enterprise better.
| Audience | FreeAgent | Ramp |
|---|---|---|
| Freelancers | 10/10FreeAgent was built for freelancers and contractors from the start, and it has a dedicated sole trader plan with Self Assessment. | 2/10Ramp requires an incorporated business with a business bank account, so sole freelancers are generally not eligible. |
| Enterprise | 1/10It has no multi-entity or enterprise controls. | 7/10The Enterprise tier adds Workday and Oracle Fusion integrations and local cards in 30+ countries, and enterprise spending on the platform has grown, though AP depth trails dedicated suites. |
| Small Business | 8/10It suits UK micro-businesses and limited companies well but has few advanced features for larger teams. | 7/10The free plan works well for small firms, but businesses need to be a US corporation or LLC with a meaningful cash balance. |
| Accountants and Bookkeepers | 7/10Accountants get a free Practice Dashboard, discounted client licences, and integrations with accounts production tools. | 7/10Accounting firms get an Advisor Console to switch between client accounts and manage staff access, along with a partner program. |
| Consultancies | 8/10Projects, time tracking, and invoicing from tracked time suit small consulting firms. | Not rated |
| Finance Teams | Not rated | 9/10Cards, bill pay, accruals and ERP sync are designed to cut close time for controllers and AP staff. |
| Mid-Market | Not rated | 9/10The Plus plan adds multi-entity support, NetSuite and Sage Intacct sync, custom roles and audit logs, which growing mid-market finance teams need. |
| Real Estate | 6/10A landlord plan tracks income and costs per property for unincorporated landlords. | Not rated |
| Startups | Not rated | 9/10The free plan, the card with no personal guarantee and a quick setup suit venture-backed startups, which Kruze reports mostly stay on the free tier. |
Which One Should You Choose?
Why choose FreeAgent
- Higher Compliance score (8/10 vs 7/10)
- Better fit for freelancers (10/10 vs 2/10)
Why choose Ramp
- Has a free plan (FreeAgent does not)
- Higher Scalability score (8/10 vs 3/10)
- Higher Analytics score (7/10 vs 4/10)
- Better fit for enterprise (7/10 vs 1/10)
Pros & Cons
FreeAgent
Pros
- Free for customers with a NatWest, RBS, Ulster Bank, or qualifying Mettle business account.
- Built-in HMRC filing covers MTD VAT, Self Assessment, and MTD for Income Tax, and the limited company plan adds end-of-year filing.
- Reviewers often praise its UK-based phone and chat support.
- Every plan includes time tracking, projects, and invoicing, which suits freelancers who bill by the hour.
- Multi-currency invoicing and foreign-currency bank accounts are supported, with realised and unrealised gains and losses calculated automatically.
Cons
- Reviewers describe invoice templates as basic and say custom reporting is limited.
- Payroll suits only director-only setups or very small teams.
- Its integration ecosystem is smaller than those of Xero or QuickBooks.
- It has no multi-entity consolidation or advanced controls, so it does not scale to larger firms.
- Some users report out-of-date help articles.
Ramp
Pros
- The Free plan includes unlimited cards, bill pay, AR invoicing and QuickBooks and Xero sync, so small teams can get a lot without paying for software.
- The corporate card needs no personal guarantee or credit check, and Kruze's review reports 1.5% cash back on card spend.
- Reviewers consistently praise how easy it is to issue cards and capture receipts. G2 averages about 4.8 out of 5 from roughly 2,400 reviews.
- There are more than 200 integrations, including over 40 ERPs and major HR and payroll systems such as ADP, Gusto and Workday.
- Month-end accruals post with automatic reversals, and the AI Accounting Agent auto-codes transactions to speed up the close.
- Security includes SOC 2 Type II, PCI compliance, SSO with Okta, Google or Azure, and MFA for every user.
Cons
- Ramp is built for US corporations and LLCs, and a cash balance of around $75,000 is typically expected, which rules out sole traders and many very small firms.
- Card purchases in currencies other than USD carry a 3% foreign transaction fee, and local-currency cards in other countries require Enterprise.
- Multi-entity support, NetSuite and Sage Intacct sync, custom roles and the audit log all require the paid Plus plan, which adds a platform fee on top of per-user pricing.
- Some users describe AP and bill pay as basic and say ERP sync runs in daily batches rather than in real time.
- Some users report thin onboarding and support that relies on bots, and Kruze's reviewer survey gives customer service its lowest score.
Not sold on either?
Frequently Asked Questions
Ramp scores higher on our Finance Software criteria: 7.8/10 against 6.4/10 for FreeAgent. The largest gap is in Scalability: 3/10 for FreeAgent and 8/10 for Ramp.
Ramp has a free plan; FreeAgent does not list one.
FreeAgent is the better fit for freelancers: we rate it 10/10 for them, against 2/10 for Ramp.
