Ramp vs Wise Business (2026): Pricing, Features & Verdict
Ramp is our pick, scoring 7.8/10 against 6.3/10 for Wise Business on our Finance Software criteria. Its biggest advantage: higher Analytics score (7/10 vs 3/10). For 10 users, Ramp and Wise Business are both free; only Ramp has a free plan.
Last updated: November 2026
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.
Wise Business
6.3/10
Wise Business is a multi-currency business account for sending, receiving, holding and converting money internationally, with team cards, batch payments and invoicing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.8/10 | 6.3/10 |
| Scalability | 8/10 | 6/10 |
| Analytics | 7/10 | 3/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 8/10 | 6/10 |
| Security | 8/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Cost | 8/10 | 8/10 |
| Customization | 7/10 | 4/10 |
| Ease of Use | 9/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $15/user/mo Plus | Contact for pricing |
| Estimated cost for 10 users | Free Free | Free Wise Business (US) |
| Features | ||
| Corporate Cards | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | Not listed | |
Ramp vs Wise Business cost by team size
Ramp and Wise Business cost the same at every team size we checked.
| Team size | Ramp | Wise Business |
|---|---|---|
| 1 user | FreeFree | FreeWise Business (US) |
| 5 users | FreeFree | FreeWise Business (US) |
| 10 users | FreeFree | FreeWise Business (US) |
| 25 users | FreeFree | FreeWise Business (US) |
| 50 users | FreeFree | FreeWise Business (US) |
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 Ramp and Wise Business suit
Ramp fits enterprise better; Wise Business fits freelancers better.
| Audience | Ramp | Wise Business |
|---|---|---|
| Freelancers | 2/10Ramp requires an incorporated business with a business bank account, so sole freelancers are generally not eligible. | 8/10There is no monthly fee, and local receiving details let freelancers get paid by foreign clients cheaply. |
| Enterprise | 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. | 4/10It lacks credit, treasury depth and an accounting suite. |
| Startups | 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. | 8/10A low setup cost, team cards and an API fit early-stage companies that work internationally. |
| Accountants and Bookkeepers | 7/10Accounting firms get an Advisor Console to switch between client accounts and manage staff access, along with a partner program. | Not rated |
| E-commerce | Not rated | 6/10Useful for receiving marketplace payouts in many currencies, but it is not a full payment processor. |
| Finance Teams | 9/10Cards, bill pay, accruals and ERP sync are designed to cut close time for controllers and AP staff. | Not rated |
| Mid-Market | 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. | Not rated |
| Remote Teams | Not rated | 9/10Batch payments to up to 1,000 recipients suit paying contractors in many countries. |
| Small Business | 7/10The free plan works well for small firms, but businesses need to be a US corporation or LLC with a meaningful cash balance. | Not rated |
Which One Should You Choose?
Why choose Ramp
- Has a free plan (Wise Business does not)
- Higher Analytics score (7/10 vs 3/10)
- Higher Customization score (7/10 vs 4/10)
- Better fit for enterprise (7/10 vs 4/10)
Why choose Wise Business
- Better fit for freelancers (8/10 vs 2/10)
Pros & Cons
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.
Wise Business
Pros
- Conversions use the mid-market rate with fees from 0.23%, often cheaper than banks for international payments.
- There is no monthly fee, only a one-time setup fee of 31 USD in the US.
- Batch payments can pay up to 1,000 recipients in one action, which helps companies paying contractors abroad.
- Local receiving details in 22 currencies let foreign clients pay domestically.
- Team cards come with custom spending permissions.
Cons
- It is not an accounting system and has no ledger, payroll or financial statements.
- Wise is not a bank: it offers no loans, and balances are safeguarded rather than deposit-insured by default.
- Users report delayed or frozen transactions and support that can be slow or hard to reach.
- Incoming SWIFT payments in USD, GBP and EUR carry per-payment fees.
- Feature availability, including cards, varies by country.
Not sold on either?
Frequently Asked Questions
Ramp scores higher on our Finance Software criteria: 7.8/10 against 6.3/10 for Wise Business. The largest gap is in Analytics: 7/10 for Ramp and 3/10 for Wise Business.
Both are free for 10 users.
Ramp has a free plan; Wise Business does not list one.
Wise Business is the better fit for freelancers: we rate it 8/10 for them, against 2/10 for Ramp.
