Brex vs Ramp
Brex
Startups, mid-sized companies and global enterprises; also scaled companies and ecommerce brands
San Francisco; founding year not published
Ramp
Smaller teams on the free plan; growing teams automating workflows and controlling spend across multiple entities on Ramp Plus
New York; founding year not published
Brex and Ramp both sell corporate cards and spend management software to finance teams, with expenses, bill pay and accounting automation built around the card.
Brex, a wholly owned subsidiary of Capital One, serves startups through to global enterprises; Ramp, based in New York, has more than 70,000 customers and a free plan for smaller teams.
Brex vs Ramp: side by side
“Not published” means the vendor does not state it.
| Brex | Ramp | |
|---|---|---|
| What it does | Corporate cards, business banking and treasury, expense management, bill pay, travel and accounting automation | Corporate cards, expenses, reimbursements, accounts payable and accounting workflows, with AI agents for policy, accounting and AP on Ramp Plus |
| Best for | Startups, mid-sized companies and global enterprises; also scaled companies and ecommerce brands | Smaller teams on the free plan; growing teams automating workflows and controlling spend across multiple entities on Ramp Plus |
| Founded and HQ | San Francisco; founding year not published | New York; founding year not published |
| Ownership and funding | Wholly owned subsidiary of Capital One; CEO Pedro Franceschi | Not published |
| Customers or users | 35,000+ companies | 70,000+ customers |
| Pricing | Essentials free; Premium US$12 per user a month; Enterprise on quote | Free plan; Ramp Plus priced on request, billed annually |
| Deployment and markets | Available in 120+ countries; local-currency cards in 50+ countries; multi-entity (US and international) from Premium | 200+ countries supported; separate US and UK websites |
Main differences
Brex is a wholly owned subsidiary of Capital One; Ramp is headquartered in New York and led by its CEO, Eric Glyman.
Brex publishes its paid tier, Premium at US$12 per user a month, alongside a free Essentials plan; Ramp has a free plan and prices Ramp Plus on request.
Brex's free plan covers up to two entities, with multi-entity across the US and abroad from Premium; Ramp puts multi-entity spend control in Ramp Plus.
Brex is available in 120+ countries and issues local-currency cards in 50+; Ramp supports 200+ countries.
Brex also offers business banking and treasury; Ramp adds AI agents for policy, accounting and payables on Ramp Plus.
Which to choose
Choose Brex if
- You want business banking and treasury from the same provider as your cards, or local-currency cards in many countries
Choose Ramp if
- You want to start on a free plan and add AI agents for policy, accounting and payables later
Compare further
Common questions
Is Brex or Ramp cheaper?+
Both have a free plan: Brex Essentials and Ramp's free tier. Brex Premium costs US$12 per user a month and Enterprise is quoted. Ramp prices Ramp Plus on request, billed annually, so the paid tiers can only be compared on a quote.
Who owns Brex?+
Brex is a wholly owned subsidiary of Capital One. Pedro Franceschi is its chief executive.
Do Brex and Ramp work outside the US?+
Brex is available in more than 120 countries and issues local-currency cards in more than 50. Ramp supports more than 200 countries and has a separate UK website.
Part of Accountio’s accounting technology coverage.
