Ramp vs Brex

by Gralio Feb 19, 2025

Ramp and Brex are both strong financial management platforms with key differences. Ramp offers a wider range of features including bill payments and deeper accounting integrations, while Brex excels in spend control and offers business banking features. Ramp might be preferred by businesses looking for an all-in-one finance solution, whereas Brex is better suited for businesses that prioritize spending management and efficient financial operations.

At Gralio.ai we help to simplify your decision-making process by offering detailed, side-by-side software comparisons like this one, to help you confidently choose the tool that aligns with your business goals.

This comparison was created by analysing 3397 reviews and 60 websites, saving 19 hours, 22 minutes of reading.

Ramp

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Brex

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About

Ramp is an all-in-one finance software designed for mid-sized to large businesses, particularly those in fast-growing sectors. It combines corporate cards, expense management, bill payments, and accounting automation into a single platform. Ramp aims to save businesses time and money by automating tasks, enforcing spending policies, and providing insights into company spending. It integrates with popular accounting systems and promises to simplify financial operations, making them more efficient and transparent.

Brex is a financial platform designed to help businesses manage their spending. It offers a suite of tools, including corporate cards with built-in controls, expense management software with AI-powered automation, and business banking with high-yield accounts. Brex aims to simplify financial operations for companies of all sizes, from startups to enterprises, with a focus on proactive spend control, automated workflows, and increased financial efficiency. It promises time savings through automation and improved compliance with company spending policies. However, it's important to note that Brex itself is a financial technology company, not a bank, and some banking services are provided through partner banks.

Summary

Main difference

Ramp offers a broader range of financial tools including expense management, bill payments, and accounting automation, making it suitable for businesses seeking a comprehensive finance platform. Brex focuses on spend management with corporate cards, expense tracking, and business banking, catering to businesses prioritizing spend control and streamlined financial operations.

Relative strengths of Ramp (compared to Brex)

More comprehensive financial tools beyond spend management.
Stronger accounting automation features.
Typically higher customer satisfaction ratings.

Relative weaknesses of Ramp (compared to Brex)

Less focus on proactive spend control compared to Brex.
May have a steeper learning curve due to the broader feature set.
Limited business banking features compared to Brex.

What companies are using Ramp and Brex?

No data

DoorDash

Who is using Ramp and Brex?

Adam Robinson

CEO @ Retention.com & RB2B

No data

Who should use Ramp VS. Brex

Ramp is a comprehensive financial management solution designed for growing businesses. It streamlines expense reporting, automates bill payments, and provides real-time insights into company spending. Users praise Ramp's intuitive interface and seamless accounting integrations, while some note occasional difficulties with balance adjustments and international reimbursements.

Brex is a comprehensive financial platform simplifying business spending. It offers corporate cards, expense management, and business banking, saving time through automation and improving compliance. Users praise its intuitive interface and efficient customer service. However, some have noted slower reimbursements compared to alternatives. Perfect for fast-growing companies needing robust spend control.

Best for medium to large businesses.
Ideal for Finance, Marketing, Software, Retail, and Healthcare industries.

Best for startups and growing businesses seeking efficient spend management.
Ideal for industries like E-commerce, Retail, and Software/IT.

Ramp and Brex features

Supported

Partially supported

Not supported

Type in the name of the feature or in your own words tell us what you need

Corporate Cards with High Credit Limits

Supported

Ramp offers corporate cards with high credit limits, up to 30x higher than competitors.

Supported

Brex offers corporate cards with high, dynamic credit limits based on cash balance.
Business Banking with Yield and Fast Transfers

Partially supported

Ramp offers yield-earning accounts and streamlines financial operations, indirectly supporting efficient transfers.

Supported

Brex offers yield-earning cash balances and efficient money transfers.
Premium Customer Support

Supported

Ramp offers dedicated support with various contact options and resources.

Supported

Brex offers premium customer support through its Brex Premium service.
Receipt management

Supported

Ramp supports uploading, storing, and matching receipts to expenses.

Supported

Brex offers various ways to upload, store and match receipts to transactions.
Receipt uploading

Supported

Ramp allows uploading receipts via website, app, email, and browser extension.

Supported

Brex supports uploading receipts via their app, dashboard, email and browser extension.
Receipt capture

Supported

Ramp allows receipt capture via their mobile app.

Supported

Brex allows receipt capture via its mobile app.

Qualities

Value and Pricing Transparency

+0.38

Rather positive sentiment

+0.13

Neutral sentiment
Customer Service

+0.54

Rather positive sentiment

+0.78

Strongly positive sentiment
Ease of Use

+0.94

Strongly positive sentiment

+0.95

Strongly positive sentiment
Reliability and Performance

+0.59

Rather positive sentiment

+0.57

Rather positive sentiment
Ease of Implementation

+0.69

Rather positive sentiment

+0.2

Neutral sentiment
Scalability

+0.09

Neutral sentiment

+0.75

Strongly positive sentiment

Ramp and Brex Pricing

Ramp offers corporate cards, expense management, accounts payable, and accounting automation. It integrates with accounting and HRIS systems, providing global payment options, reporting, and security features. Ramp offers a free trial and a free plan.

Plans

User sentiment

Rather positive

+0.38

See full Pricing page

Brex offers business financial management solutions with various features like global card acceptance, AI-powered expense management, and multi-entity support. They provide three main pricing plans: Essentials for startups, Premium for mid-sized companies, and Enterprise for large organizations. Brex also offers a Smart Card for simplified procurement.

Plans

User sentiment

Neutral

+0.13

See full Pricing page

Ramp and Brex review insights

3358 reviews analysed from and

Users love

Easy and efficient expense reporting
Seamless integration with accounting software
Intuitive and user-friendly interface
Receipt capture via text, email, or app

Works just like any other credit card.
Very easy to upload reciepts.
The UI is very easy to navigate and customer service is quick and efficient.
The site is extremely readable and intuitive, which makes navigating it a pure pleasure.
Brex makes it easy to manage the cards issued to the staff.

Users dislike

Bill Pay is not yet available in Texas
Can be difficult to track spending if not constantly monitoring
Balance adjustments make cash planning difficult
International employee reimbursements are a hassle

Reimbursements taking significantly longer than Concur.
Some features only work on Desktop versi
The compliance reporting features could use improvement. Some of the data that comes through isn’t the most accurate.
Constant remiders of invoices that are due. ie hotel and rental car recpiets that will not be finalized for 3 or 4 days.

Ramp and Brex Ratings

Glassdoor

3.8/5

(474)

Company health

Employee growth

86% increase in the last year

2% increase in the last year

Web traffic

1% decrease in the last quarter

14% decrease in the last quarter

Financing

No data

February 2022 - $1B

How do Ramp and Brex differ in their support for international reimbursements?

Ramp users have reported international employee reimbursements as a hassle, while there is no information available regarding Brex's capabilities or user feedback in this specific area. Therefore, it's unclear whether Brex offers better support for international reimbursements compared to Ramp based on the provided data.

Which product, Ramp or Brex, provides better spend control for fast-growing businesses?

Both Ramp and Brex offer strong spend control features for fast-growing businesses. However, Ramp appears slightly better suited for this purpose due to its emphasis on policy enforcement and accounting automation, which are critical for rapidly scaling companies. While Brex highlights AI-powered automation and high credit limits, Ramp's focus on streamlining financial operations and integrating deeply with accounting systems may provide more robust control and visibility as a business grows.

What are the advantages of Ramp?

Ramp offers a higher ease of use score (0.94) compared to Brex (0.95), making it potentially more user-friendly. Ramp's pricing is also more transparent according to the provided data, with a score of 0.38 versus Brex's 0.13. Additionally, Ramp emphasizes its focus on mid-sized to large businesses, especially those in fast-growing sectors, suggesting it may offer features and scalability more tailored to these specific needs.

What are the disadvantages of Ramp?

Ramp users have reported difficulties with tracking spending if not constantly monitored, balance adjustments making cash planning difficult, and international employee reimbursements being a hassle. Bill Pay functionality is not available in all locations, which may be a limitation for some businesses.

Is Ramp cheaper than Brex?

Ramp and Brex offer similar pricing structures with free and custom-priced enterprise plans. While Brex's Premium plan is listed at $12/user/month and Ramp's Plus plan is $15/user/month + a platform fee based on team size, the presence of this additional platform fee makes a direct price comparison difficult. Therefore, it's not definitively clear whether Ramp is cheaper than Brex without more information on the platform fee.

Alternatives to Ramp and Brex

SAP Concur

SAP Concur helps businesses of all sizes manage their travel expenses, invoices, and overall spending. It streamlines expense reports, automates invoice approvals, and provides real-time visibility into company spending. This helps control costs, reduce risks, and improve employee productivity. SAP Concur integrates with other software and offers a mobile app for employee convenience.

Payhawk

Payhawk is an all-in-one financial platform designed for mid-sized to large companies. It helps you manage company spending with features like company cards, expense tracking, bill payments, and accounting integrations. Payhawk allows you to oversee all company spending in one system, automate tedious financial tasks, and simplify month-end reporting. It is a global solution with support for multiple currencies and countries.

Airbase

Airbase is a spend management platform designed for mid-sized businesses. It combines expense management, accounts payable automation, and corporate cards in one platform. Airbase helps businesses track spending, automate approvals, and simplify accounting processes, from purchase requests to reconciliation. Airbase integrates with popular accounting software and aims to improve financial control and compliance.

Precoro

Precoro is cloud-based software designed to simplify and automate a company's purchasing process. It helps businesses of all sizes track spending, manage approvals, and gain greater control over their procurement workflows. This is achieved through features like automated purchase orders, customizable approval processes, and detailed spending reports. Precoro integrates with popular accounting software, making it easy to manage finances. Its user-friendly design requires minimal training, allowing for quick implementation and adoption.

Volopay

Volopay is a financial platform designed for growing businesses. It offers corporate cards (both physical and virtual), expense management tools, and accounting integrations. This allows businesses to manage their spending, track expenses, automate payments, and streamline accounting processes, all within a single platform. Volopay aims to give businesses better control and visibility over their finances, saving them time and money.

Rippling

Rippling is a comprehensive employee management platform designed for businesses of all sizes. It streamlines and automates various HR, IT, and finance processes, including payroll, benefits, device management, and expense tracking. By centralizing these functions, Rippling aims to simplify employee lifecycle management, reduce administrative burden, and improve operational efficiency for businesses. The platform is particularly valuable for companies with global operations, offering localized solutions for international payroll, benefits, and compliance.

Page co-authored by

Michal Kaczor

CEO at Gralio

Michal has worked at startups for many years and writes about topics relating to software selection and IT management. As a former consultant for Bain, a business advisory company, he also knows how to understand needs of any business and find solutions to its problems.

Tymon Terlikiewicz

CTO at Gralio

Tymon is a seasoned CTO who loves finding the perfect tools for any task. He recently headed up the tech department at Batmaid, a well-known Swiss company, where he managed about 60 software purchases, including CX, HR, Payroll, Marketing automation and various developer tools.

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