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Expensify vs Ramp - Comparison 2025

Expensify vs. Ramp

Last updated on

Reviewed by Paddy Stobbs

Stackfix Co-Founder & CEO

PS

Ramp emerges as the superior choice for US-based companies seeking comprehensive spend management with advanced automation, while Expensify better serves global organizations needing flexible expense management. Ramp's AI-driven automation, superior card management, and excellent customer support make it ideal for fast-growing US companies looking to eliminate manual financial workflows.

However, Expensify's global accessibility and broader integration capabilities through Zapier make it better suited for international businesses or those requiring extensive software integrations. The choice largely depends on company location and specific needs - Ramp for US companies prioritizing automation and control, Expensify for non-US companies.

Expensify Product Logo

Advantages of Expensify

Expensify is significantly more versatile for global businesses than Ramp

Unlike Ramp which is limited to US-headquartered companies, Expensify can be used by businesses worldwide. This makes it ideal for international organizations or companies with global operations needing unified expense management across multiple regions.

Expensify offers superior integration flexibility through Zapier
While Ramp lacks Zapier integration capabilities, Expensify provides this connection, enabling automated workflows with thousands of business apps. This is particularly valuable for companies using diverse software tools who need to automate their expense-related processes.
Ramp Product Logo

Advantages of Ramp

Ramp is substantially better at core expense management functionality than Expensify
While Expensify offers good functionality, Ramp excels with superior AI-driven automation and comprehensive spend management features. This makes it particularly valuable for companies wanting to eliminate manual financial workflows and get deeper spending insights.
Ramp provides notably superior corporate card management compared to Expensify
Unlike Expensify's more basic card offerings, Ramp delivers exceptional card management with unlimited virtual and physical cards, instant issuance, and granular spending controls. This makes it ideal for organizations needing sophisticated card program management.
Ramp offers significantly better expense categorization than Expensify
While Expensify has good automation, Ramp's AI-driven categorization is more advanced, automatically handling receipt matching and memo creation. This saves substantial time for finance teams managing high volumes of expenses.
Ramp delivers superior customer support compared to Expensify
Unlike Expensify's more basic support, Ramp provides highly responsive, multi-channel customer service with strong documentation. This makes it better suited for organizations needing reliable, comprehensive support.

Expensify is best for

  • Businesses with mobile-first teams seeking hassle-free expense reporting
  • Who need powerful receipt automation and categorization
  • And/or who need extensive accounting software integration options

Ramp is best for

  • US headquartered businesses with rapid growth seeking AI-powered expense automation and real-time spend controls
  • Who need granular spending controls at department and vendor levels
  • And/or who need seamless integration with major accounting platforms

Expensify is less good for

  • Businesses with complex budgeting needs who prefer traditional interfaces over chat-based management
  • Who need sophisticated budget modeling and forecasting capabilities
  • And/or who need predictive spending analytics and future expense forecasting

Ramp is less good for

  • Non-US headquartered businesses
  • Who need extensive customization of their chart of accounts and expense categories
  • And/or who need advanced mobile app features with a lot of flexibility

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Ramp screenshot

Pricing, features & ratings

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Stackfix Verdict
Functionality
8

Functionality

8/10

<p>Expensify offers a comprehensive expense management platform that combines receipt scanning, expense tracking, corporate cards, and bill payments in one cohesive system. The platform excels in its core expense reporting capabilities with standout features like SmartScan technology for receipt processing and automatic report generation. The recent launch of New Expensify has enhanced the platform with contextual, real-time chat functionality that turns every financial transaction into a conversation, though its procurement capabilities aren't as developed as some competitors.</p>
10

Functionality

10/10

<p>Ramp offers a robust suite of spend management features including corporate credit cards, bill payments, and invoice processing, providing a comprehensive platform for managing expenses end-to-end​. It automates tedious tasks (e.g. receipt collection and expense approvals) and delivers real-time reporting for insightful analytics​. The only notable gap is limited customization of expense categories.</p>
Ease of Use
7

Ease of Use

7/10

<p>Expensify creates an intuitive expense submission process, particularly through their mobile app. The platform's one-click receipt scanning and automatic categorization significantly reduces friction for end users, making compliance with expense policies nearly effortless. Some users may need some time to adjust to the 'New Expensify', conversational appraoch to financial management though.</p>
9

Ease of Use

9/10

<p>Ramp shines with an extremely user-friendly experience that both finance teams and employees appreciate. Submitting expenses or requesting approval is straightforward, thanks to an intuitive workflow and helpful reminders to upload receipts. The learning curve is minimal too.</p>
Look and feel
8

Look and feel

8/10

<p>Expensify provides a clean, intuitive interface with a modern design that prioritizes simplicity and ease of use. The mobile app mirrors the desktop experience with thoughtful design choices that make expense submission straightforward. The New Expensify platform introduces a chat-based interface that feels fresh and innovative, though some users may need time to adjust to this conversational approach to financial management.</p>
9

Look and feel

9/10

<p>Ramp's design is clean, modern and intuitive. Screens load quickly and the layout makes it easy for new users to find features, which reduces the learning curve.</p>
Customisability
5

Customisability

5/10

<p>Expensify offers adequate customization options for basic spending policies and approval workflows, allowing businesses to establish expense categories and configure approval chains. The platform provides some flexibility in configuring reporting views to match specific business needs. However, more complex organizations may find the customization capabilities somewhat limited compared to enterprise-focused alternatives.</p>
8

Customisability

8/10

<p>Ramp offers solid (if somewhat standardized) customizability, allowing admins to set spending rules, approval workflows, and custom fields tied to their GL. Policy controls can be tailored – for example, managers can restrict which expense categories or GL codes an employee sees. While it doesn’t allow infinite tweaks, it provides enough flexibility to fit most businesses’ needs without overwhelming users with complexity.</p>
Ease of Setup
6

Ease of Setup

6/10

<p>Expensify is relatively easy to adopt, especially for small teams, but full configuration can get intricate if you leverage its advanced features. Fortunately, there are many guides and an onboarding checklist, and for common setups (like linking QuickBooks or Xero), it's pretty plug and play.</p>
7

Ease of Setup

7/10

<p>The onboarding process is smooth with guided steps, and basic configurations (like issuing cards and setting limits) can be completed without technical expertise. The only limitation is that you must be a US based company to use the product.</p>
Customer Support
5

Customer Support

5/10

<p>Expensify delivers reliable customer support with generally good response times, though the platform emphasizes self-service through comprehensive documentation and knowledge base resources.</p>
8

Customer Support

8/10

<p>Ramp provides responsive customer service through multiple channels, with especially strong documentation and self-service resources. Some users report occasional delays during peak times, but overall support quality is consistently high with knowledgeable representatives.</p>
Integratability
9

Integratability

9/10

<p>Expensify integrates exceptionally well with a wide range of accounting platforms, ERP systems, and business tools, offering one of the most extensive integration ecosystems in the expense management space. The platform connects seamlessly with popular accounting software like QuickBooks, Xero, and NetSuite, as well as travel booking tools, HR systems, and CRM platforms.&nbsp;</p>
9

Integratability

9/10

<p>Ramp integrates seamlessly with major accounting systems and other tools, reducing manual work significantly. It offers out-of-the-box connections to QuickBooks, Xero, Sage Intacct, and more, syncing transactions and receipts with a click. The platform also hooks into email and Slack for receipt forwarding and notifications, showing a strong commitment to fitting into your existing tech stack.</p>
Ease of Migration
7

Ease of Migration

7/10

<p>Expensify provides robust data export capabilities in multiple formats including CSV, PDF, and direct accounting system exports for transaction data, expense reports, and accounting reconciliation.</p>
8

Ease of Migration

8/10

<p>Data export in Ramp is robust and hassle-free. Finance teams can easily dump transactions, receipts, or spend reports to CSV/Excel for analysis or auditing. Moreover, because Ramp syncs directly with accounting software, much of the “export” need is handled automatically.</p>
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