MYOB vs Ramp (2026): Pricing, Features & Verdict
Ramp is our pick, scoring 7.8/10 against 6/10 for MYOB on our Finance Software criteria. Its biggest advantage: higher Integration score (8/10 vs 5/10). Only Ramp has a free plan.
Last updated: November 2026
MYOB
6/10
MYOB offers accounting, payroll, and tax compliance software for small and medium businesses in Australia and New Zealand, from sole traders to multi-entity firms.
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 | 6/10 | 7.8/10 |
| Scalability | 6/10 | 8/10 |
| Analytics | 5/10 | 7/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 5/10 | 8/10 |
| Security | 7/10 | 8/10 |
| Support | 4/10 | 7/10 |
| Cost | 6/10 | 8/10 |
| Customization | 5/10 | 7/10 |
| Ease of Use | 6/10 | 9/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | A$8.25/mo Solo by MYOB | $15/user/mo Plus |
| Estimated cost for 10 users | A$26/mo Lite | Free Free |
| Features | ||
| Invoicing | ||
| Multi-currency | ||
| Multi-entity Consolidation | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
MYOB vs Ramp cost by team size
| Team size | MYOB | Ramp |
|---|---|---|
| 1 user | A$8/moSolo by MYOB | FreeFree |
| 5 users | A$26/moLite | FreeFree |
| 10 users | A$26/moLite | FreeFree |
| 25 users | A$26/moLite | FreeFree |
| 50 users | A$26/moLite | 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 MYOB and Ramp suit
MYOB fits freelancers and small business better; Ramp fits mid-market better.
| Audience | MYOB | Ramp |
|---|---|---|
| Freelancers | 7/10Solo is a low-cost mobile app for sole traders, but it allows only one user and its plan can't be changed once chosen. | 2/10Ramp requires an incorporated business with a business bank account, so sole freelancers are generally not eligible. |
| Mid-Market | 5/10AccountRight Premier handles multiple currencies and businesses, but larger firms usually move to MYOB's separate ERP products. | 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. |
| Small Business | 9/10The plans are built around Australian small business needs such as BAS lodgement, payroll and inventory. | 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 | 6/10MYOB sells tools for accountants, and plans from Lite up allow unlimited user profiles. | 7/10Accounting firms get an Advisor Console to switch between client accounts and manage staff access, along with a partner program. |
| Enterprise | Not rated | 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. |
| Finance Teams | Not rated | 9/10Cards, bill pay, accruals and ERP sync are designed to cut close time for controllers and AP staff. |
| 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 MYOB
- Higher Compliance score (8/10 vs 7/10)
- Better fit for freelancers (7/10 vs 2/10)
- Better fit for small business (9/10 vs 7/10)
Why choose Ramp
- Has a free plan (MYOB does not)
- Higher Integration score (8/10 vs 5/10)
- Higher Support score (7/10 vs 4/10)
- Better fit for mid-market (9/10 vs 5/10)
Pros & Cons
MYOB
Pros
- BAS lodgement and GST tracking are built for Australian Taxation Office rules, so local businesses need no extra compliance tool.
- Payroll and inventory are native features at lower price points than many rivals that rely on add-on apps.
- There is no lock-in contract, and new customers get large introductory discounts.
- The security page lists ISO 27001 and PCI DSS, and logins support passkeys and two-factor authentication.
- The plans scale from a mobile-only sole trader app up to multi-currency, multi-business desktop and cloud editions.
Cons
- Users on Trustpilot and Capterra report bugs, dropouts and problems after updates or forced migrations.
- Support gets mixed reviews, with complaints about long waits and unresolved issues, and one comparison says there is no phone support.
- Its third-party integration ecosystem is smaller than Xero's, and developers have complained about the cost of API access.
- Multiple currencies and multiple businesses require the top Premier plan, whose price isn't published.
- Its ratings on comparison sites trail Xero's, for example 3.6 versus 4.4 on G2 as cited by Envoice.
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 6/10 for MYOB. The largest gap is in Ease of Use: 6/10 for MYOB and 9/10 for Ramp.
Ramp has a free plan; MYOB does not list one.
MYOB is the better fit for freelancers: we rate it 7/10 for them, against 2/10 for Ramp.
