Comparison · 2026 edition
Airwallex vs Ramp: spend management compared 2026.
Airwallex and Ramp side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
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Airwallex and Ramp side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
In the Expense Cards and Spend Management Index, Airwallex scores higher overall: 4.8 out of 5 (97 out of 100) against 4.7 (93), ranking 1 and 3 of 12. Airwallex also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Airwallex | Ramp |
|---|---|---|
| Score out of 5 | 4.8 | 4.7 |
| Score out of 100 | 97 | 93 |
| Overall rank | 1 of 12 | 3 of 12 |
| For startups and small firms (out of 100) | 97, rank 1 | 91, rank 3 |
| For mid-market and multi-country groups (out of 100) | 96, rank 1 | 94, rank 2 |
| For regulated financial firms (out of 100) | 97, rank 1 | 94, rank 2 |
| Type | Spend management and global business account | Corporate card and finance automation platform |
Each score with the evidence behind it.
| Criterion | Airwallex | Ramp |
|---|---|---|
| Product coverage | 4/5 Cards, reimbursements, bill pay and procurement published; no travel booking. | 5/5 Cards, reimbursements, bill pay, travel booking and procurement all published. |
| Published pricing | 5/5 Monthly plan prices and per-user fees published for two plans. | 4/5 Per-user prices published, but the Plus platform fee is not. |
| Global reach | 5/5 Card issuing in 40+ markets published. | 5/5 Local-currency card issuing in 30+ countries published. |
| Integration | 5/5 NetSuite and Business Central plus a published API. | 4/5 Named ERP connections published; a developer API not confirmed on the pages read. |
| Regulatory standing | 5/5 Own FCA e-money licence with FRN, and SOC 2. | 5/5 Named issuers with regulator and reference numbers, and SOC 2 Type II. |
| Spend controls | 5/5 Card limits, approvals and automatic receipt matching published. | 5/5 Limits, merchant controls, approvals and automatic receipt capture all published. |
Each criterion is scored 0 to 5 against the best published offer in the Expense Cards and Spend Management Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Airwallex | Ramp |
|---|---|---|
| Product coverage | Multi-currency company and employee cards; "Spend requests, expense management, and reimbursements"; "Domestic and international bill pay"; purchase orders and requests on the Accelerate plan. | Corporate Card; Travel & Expense with flight, hotel and car booking; reimbursements; Accounts Payable; Procurement as an add-on to Plus or Enterprise. |
| Pricing | Explore: "£0 or £19 /month", £0 with £10k monthly deposits or balance. Grow: £49/month. Additional users: "£5/additional employee card user/month" on Explore, "£12/additional active spend user/month" on Grow. Accelerate: custom. | Free: "$0/mo/user". Plus: "$15/mo/user + Platform fee based on team size". Enterprise: custom. 1099 filing "$.65 per IRS filing". |
| Global reach | "Issue cards instantly in 40+ markets and spend from balances in 10+ currencies"; payouts to 150+ countries. | "Local currency card issuing in 30+ countries" on Enterprise; platform "available in 190+ countries". |
| Integration | Xero and QuickBooks on all plans; NetSuite and Dynamics 365 Business Central on Accelerate; "Core API access". | QuickBooks Online and Xero; NetSuite, Sage Intacct, Acumatica and Microsoft Dynamics 365 Business Central on Plus; Workday and Oracle Fusion Cloud on Enterprise. |
| Regulatory standing | "Airwallex (UK) Limited is an authorised Electronic Money Institution and is regulated by the Financial Conduct Authority ('FCA'). FRN: 900876." States "PCI DSS, SOC1, and SOC2 compliance". | Cards issued in the US by Celtic Bank, Column N.A., Sutton Bank and Lead Bank; in the UK by "Stripe Payments UK Limited, an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461)"; in the EEA by Stripe Technology Europe Limited (Central Bank of Ireland C187865). Annual SOC 2 Type II audits. |
| Spend controls | "Card controls to limit spend and freeze/cancel cards"; "Customisable, multi-conditional approvals"; "AI receipt matching with email forwarding". | "Category and vendor controls"; cards lock automatically "when required receipts or items aren't submitted on time"; approval workflows routed by GL code and entity; "Auto-receipt collection and matching". |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Airwallex: nothing in this profile is marked as not published or not stated.
Not published or not stated by Ramp: integration.
Facts read on 26 October 2026 from: airwallex.com/uk/pricing, airwallex.com/uk/spend-management; and ramp.com/pricing, ramp.com/global, ramp.com/security.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Multi-country firms wanting cards, bills and accounts in one place with published prices.
US firms wanting cards, bills, travel and procurement on one platform.
Tell us what you need and where you operate.