Ramp vs Expensify: published prices, September 2026
Per paid seat, Expensify is cheaper: Collect at $5 per member a month and Control from $9, against Ramp Plus at $15 per user a month plus an unpublished platform fee. Ramp Free covers more at $0 for teams that qualify for Ramp's card.
Expensify’s cheapest company plan costs less per head than Ramp’s paid plan: $5 per member a month for Collect1 against $15 per user a month for Ramp Plus, which adds a platform fee Ramp doesn’t publish.2 Ramp’s free plan covers more than Expensify’s. For 10 people at list price, Ramp Free costs $0, Expensify Collect $50 a month and Ramp Plus $150 a month plus that fee. Both pricing pages were checked 28 September 2026.
The decision turns on one thing: whether your team needs what sits behind Ramp’s paid tier.
TL;DR
- Per paid seat, Expensify is cheaper. Collect is $5 per member a month and Control starts at $9 per active member a month.1 Ramp Plus is $15 per user a month before its platform fee.2
- Ramp’s free plan is a company system. It includes corporate cards, bill pay and QuickBooks Online and Xero integrations.2 Expensify’s free plan, Submit, is an employee plan.1
- A 10-person team on Ramp Free pays no subscription. Expensify’s cheapest company plan costs that team $50 a month.
- Ramp Plus has no complete published total. The platform fee is “based on team size” and carries no figure. A written quote is the only way to price it.2
- Both vendors discount. Ramp takes 20% off Plus for annual billing.2 Expensify discounts for annual commitments and Expensify Card use but publishes no discounted rate.1
How we compared the prices
We took every price from each vendor’s own pricing page, captured on 28 September 2026, and compared the plans on the unit each vendor bills by. The method follows our published research standard, and the comparison sits in our spend management coverage.
The units differ. Ramp prices per user.2 Expensify prices Collect per member and Control per active member.1 For the team totals we count each person as one billable seat and apply no discount.
Both pages show prices in dollars. Expensify’s page has a currency switch that lists USD first.1 Ramp’s page carries no currency label, and we read its prices as US dollars. Neither page says whether tax is included. Every figure below is a list price as the company states it, before any negotiated terms.
The table sets out every published plan, with Ramp’s figures from its pricing page2 and Expensify’s from its own.1
| Plan | Published price | Billing unit | Stated discount or trial |
|---|---|---|---|
| Ramp Free | $0/mo/user | User | None needed |
| Ramp Plus | $15/mo/user plus a platform fee based on team size | User | 20% off with annual billing; free 30-day trial |
| Ramp Enterprise | Custom, annual billing | Not published | Contact sales |
| Expensify Submit | Free for all members | Member | None needed |
| Expensify Collect | $5 per member/month | Member | Annual commitment and Expensify Card discounts |
| Expensify Control | Custom pricing, as low as $9 per active member/month | Active member | Annual commitment and Expensify Card discounts |
What does each plan cost per user or member?
Expensify Collect costs $5 per member a month, Expensify Control starts at $9 per active member a month and Ramp Plus costs $15 per user a month plus a platform fee.1,2 On the published seat rate alone, Ramp Plus costs three times Collect.
The Ramp figure is a floor. The Plus price card reads “$15/mo/user” with “Platform fee based on team size” beneath it, and no fee schedule appears anywhere on the captured page.2 Annual billing saves 20%. If that discount applies to the seat charge, a Plus seat falls to $12 a month. The page doesn’t say whether the discount also reaches the platform fee.
Expensify’s $5 has its own gap. The page doesn’t state which billing term it assumes. Its pricing FAQ says “Discounts are available for annual commitments and when using the Expensify Card”, and the card section promises “Save up to 50% on Expensify”.1 Neither discount has a published rate.
Control is quoted “as low as $9 per active member/month” under the heading “Custom pricing”.1 The captured page doesn’t define an active member. Ask how a person who submits nothing in a month is counted, because that changes the bill for a team with occasional spenders.
Ramp Enterprise is “Custom” with annual billing.2 Neither top tier can be priced from its page.
Which free option covers more?
Ramp Free covers more of a company’s finance work than Expensify Submit. Ramp lists its free plan at $0/mo/user with a corporate card, unlimited cards, card issuing controls, travel booking, automatic receipt collection and matching, invoice extraction, configurable approval workflows, bill payment by ACH, card, check and wire, and QuickBooks Online and Xero integrations.2
Ramp Free’s scope depends on Ramp’s own card. The card is a “Corporate liability charge card”, and Ramp’s footer says the Ramp Visa Corporate Card “is subject to credit approval”.2 A company that can’t or won’t move its spending to Ramp’s card gets less from the free plan. Our Center vs Ramp comparison sets Ramp against another card-led system.
Expensify Submit is “Free for all members” and described as “The free plan for employees, no company approval needed.”1 Its list covers receipt scanning, mileage tracking, expense reports, categories and tags, custom distance and tax rates, personal card import, chat on every expense, and AI and human support.1
The Submit list leaves out reimbursements, corporate card management, expense approvals and the QuickBooks and Xero integrations. All four appear on the Collect list.1 For a company running its expense process, Collect is Expensify’s cheapest workable plan.
One point on Expensify’s page conflicts with itself. Submit lists categories and tags, but the pricing FAQ says free individual use comes “with unlimited SmartScans, but additional functionality such as expense categorization requires a paid plan.”1 Test the free account before relying on categorisation.
Ramp also offers a free 30-day trial of Plus.2
What would 10 people cost?
At list price, 10 people cost $0 a month on Ramp Free, $50 on Expensify Collect, from $90 on Expensify Control and $150 plus a platform fee on Ramp Plus.2,1 Each figure is 10 seats multiplied by the published rate, with no discount applied.
| Plan | Published rate | 10 seats, per month | 10 seats, 12 months | What the total leaves out |
|---|---|---|---|---|
| Ramp Free | $0/mo/user | $0 | $0 | Needs Ramp’s card, subject to credit approval |
| Expensify Submit | Free | $0 | $0 | Employee plan; no reimbursements or approvals listed |
| Expensify Collect | $5 per member/month | $50 | $600 | Billing term not stated; discounts unpublished |
| Expensify Control | From $9 per active member/month | From $90 | From $1,080 | Custom price; bills active members |
| Ramp Plus | $15/mo/user plus platform fee | $150 plus fee | $1,800 plus fee | Platform fee unpublished; 20% annual discount |
| Ramp Enterprise | Custom | Not published | Not published | Contact sales |
For 10 seats, Ramp Plus costs $100 a month more than Collect before its platform fee. Over 12 months the gap is $1,200. Against Control’s floor the gap is $60 a month, or $720 a year. If Ramp’s 20% annual discount applies to seats only, 10 Plus seats cost $1,440 a year before the fee.
If Ramp Free meets the team’s needs and the company qualifies for Ramp’s card, Ramp is cheaper by $50 a month against Collect. Once the team needs Plus, Expensify is cheaper per seat at both paid tiers. Ramp’s full cost stays unknown until it quotes the fee.
What does the extra money buy?
Ramp Plus and Expensify Control both unlock ERP integrations and deeper approval rules, while Collect adds the basics a company expense process needs.2,1
Ramp Plus adds, among other items, “NetSuite, Sage Intacct, and more integrations”, multi-entity support, custom user roles, an audit log, AI-driven expense reviews, automatic card locking when compliance is unmet, automated batch payments, budgets tracked against actuals and 24/7 phone support for travel bookings.2
Expensify Collect lists receipt scanning, reimbursements, corporate card management, expense and travel approvals, travel booking and rules, QuickBooks and Xero integrations, and chat.1 Control adds multiple approval flows, custom expense rules, “ERP integration (NetSuite, Sage Intacct)”, HR integrations with Workday and Certinia, SAML/SSO, custom reporting and budgeting.1
A team that needs NetSuite or Sage Intacct therefore compares Ramp Plus at $15 per user plus a fee with Expensify Control from $9 per active member.2,1
Expensify’s own comparison guide, dated 31 July 2026, states a different position: “Expensify includes every accounting integration, 24/7 support, and full approval configuration at $5 per member per month.”3 The pricing page places NetSuite and Sage Intacct under Control. Before signing, get written confirmation of which plan connects to your ERP. The answer can move a 10-person Expensify bill from $50 to $90 a month or more.
What the published prices leave out
The published rates leave out several costs that can change the total. Each needs confirming in the current quote.
- Ramp’s platform fee is listed on Plus as “based on team size”, with no figure.2
- Ramp’s Procurement module is an “Add-on to Plus or Enterprise”. Automated revenue recognition and recurring billing each require the Accounts Receivable add-on.2 Neither add-on carries a price on the captured page.
- Ramp charges for 1099 filing on every plan: “$.65 per IRS filing. Free state filing.”2
- The Expensify Card offers “1% cash back on all US purchases (no minimums) and 2% cash back for monthly spend over $250K”, and card use unlocks subscription discounts.1 Ramp lets customers pay for Plus “with ACH or the rewards you earn from your Ramp card spending.”2
- Neither page states tax treatment, and Ramp’s page doesn’t name its currency.
A team’s bill adds the platform fee, card discounts and contract terms to these list rates. Use one real month of your team’s expenses and seat count to test both quotes. New spend-management comparisons go out in our free research briefing.
Frequently asked questions
Is Ramp free to use?
Yes. Ramp lists its Free plan at $0/mo/user, and Ramp Plus has a free 30-day trial.2 The free plan runs on Ramp’s corporate card, which is subject to credit approval, so a company must qualify for the card to use it fully.2
Does Expensify charge a platform fee?
Expensify’s pricing page lists no platform fee on any plan.1 Its July 2026 comparison guide states there is “No platform fee, setup fee, or implementation fee” on its $5 per member plan.3 Ramp Plus does list one, based on team size.2
How can a team pay less for Expensify?
Expensify says discounts are available for annual commitments and for using the Expensify Card, and its card section promises savings of up to 50%.1 It doesn’t publish the discounted rates, so the saving on a 10-person Collect bill of $50 a month can only be confirmed in a quote.
Is it hard to get approved with Ramp?
Ramp’s pricing page doesn’t publish approval criteria. Its footer says the Ramp Visa Corporate Card “is subject to credit approval”.2 The free plan’s card features depend on that approval, so a company should apply before planning around a $0 bill.
Who does Expensify compete with?
For the search “ramp vs expensify”, Ramp, Rippling and Sage Expense Management (formerly Fyle) each publish comparison pages against Expensify.4,5,6 Each of those pages is written by a competitor, so treat its conclusions as that company’s case.
Sources checked
Company-owned pages establish what a company says. They do not prove a market conclusion. Each source is dated so readers can judge each claim.
