Ramp Pricing 2026: Free Plan, Ramp Plus at $15 per User and the Platform Fee

Ramp costs $0 per user a month on its Free plan, and Ramp Plus costs $15 per user a month plus a platform fee "based on team size", read on Ramp's pricing page on 4 November 2026. Annual billing takes 20% off, and Enterprise is a custom quote on annual billing. Plus is worth paying for when you run NetSuite or Sage Intacct, manage several entities or want AI coding and batch payment controls; a single-entity QuickBooks or Xero shop usually stays on Free.

Finpresso data: among the Expense Management tools Toolradar (the software directory Dupple runs) prices per user, Ramp's entry paid plan ranks 11th of 12 (joint) on price, against a peer median of $12 per user a month, as of 3 November 2026. In other words, Ramp's free tier is generous and its paid tier sits at the expensive end of its category, before the platform fee is even counted. The group's figures are on Toolradar's expense management statistics.

Ramp is a spend management platform built around a corporate charge card: cards, expense reports, travel booking, bill pay, receivables and a business checking account in one product. The pricing question has two parts: whether Free covers your close, and what the unprinted platform fee adds if it does not.

Ramp plans at a glance

Every plan includes the corporate card itself, which Ramp describes as a corporate liability charge card (our corporate card explainer covers what that liability means). Ramp's FAQ says Plus comes with a free 30-day trial and that you can switch plans at any time from the dashboard. Plus can be paid by ACH or with the cashback rewards your Ramp card spending earns, which means a team with steady card volume can offset part of the subscription with its own rewards.

What the Free plan covers

Free is a full spend platform, not a trial tier. It includes unlimited cards with category and vendor controls, receipt matching, SMS and Slack expense submission, a custom travel policy with flight, hotel and car booking, invoice extraction with OCR, approval workflows and automated fraud checks on bills. The QuickBooks Online and Xero integrations are included, so a single-entity company on either ledger can close its card and bill activity without paying Ramp anything.

The limits show up in the accounting layer. Free gets basic accounting rules; Plus adds advanced rules, AI coding on every field, automated accruals, amortization and auto approval of routine recurring spend. For a controller closing 400 card transactions a month, that difference is hours of coding work, not a nice-to-have.

Free also handles accounts receivable at a basic level: invoice creation, automated customer follow-up, cash application and payments by ACH, card or check. Revenue recognition schedules and recurring billing need the separate Accounts Receivable add-on on every plan.

What Ramp Plus adds, and the platform fee

Plus earns its price in four places:

• ERP sync. NetSuite, Sage Intacct, Acumatica and Business Central integrations start on Plus. If your ledger is one of these, Free is not an option.
• Multi-entity. Support for multi-entity businesses and entity-level visibility restrictions are Plus features.
• AP controls. Line items auto-coded by Ramp's AP agent, automated batch payments, payment release approvals and three-way match with imported purchase orders. Our accounts payable software ranking shows what dedicated AP tools charge for the same controls.
• Card enforcement and support. Cards that lock automatically when receipts are late, custom travel policies by role or location, and 24/7 phone support.

The platform fee is the part buyers cannot price from the website. Ramp's pricing page says only that it is "based on team size" and gives no figure or tiers, and Ramp's customer platform agreement says subscription fees are due in advance for each term and shown in your Ramp account. Get the fee quoted in writing before you compare Ramp with anything, and ask whether the annual-billing discount applies to it as well as to the per-user rate, because a fee that stays at full price narrows the saving.

Two add-ons sit on top of Plus. Procurement (intake workflows, purchase orders, AI vendor compliance reviews and three-way match with Ramp purchase orders) is sold as an add-on to Plus or Enterprise, and the Accounts Receivable add-on covers revenue recognition and recurring billing. The pricing page names both without a price, so they are part of the same sales conversation as the platform fee.

How Ramp's price has changed since 2024

Ramp's pricing page has carried the same Plus price since late 2024. Snapshots of the vendor's own page on the Internet Archive show the path:

On annual billing, the per-user rate has not moved since early 2024: 20% off the monthly price is $12, the same figure Ramp printed in February 2024 (our arithmetic). What changed is the platform fee, which first appears in the December 2024 snapshot. A team that compares a 2024 quote with a 2026 one should expect the difference to sit in that fee rather than in the seat price.

What a 10, 25 and 75-person team pays

We priced the paid tier of Ramp and three rivals on each vendor's printed rate, read on 4 November 2026. Ramp's platform fee is unpublished, so every Ramp figure below is a floor. The Ramp annual row applies the advertised annual-billing discount to the per-user rate only; all yearly totals are our arithmetic.

At 25 users, Ramp Plus on annual billing matches Brex Premium's $3,600 a year before the platform fee, so the fee decides which is cheaper. On monthly billing Ramp costs $900 a year more at that size, and the gap reaches $2,700 at 75 users. Brex's pricing page prints Premium at $12 per user a month with no platform fee and no billing term, and Brex's site describes the company as part of Capital One. Our Ramp vs Brex comparison covers eligibility and card rewards, which this table leaves out.

Expensify Collect is the cheapest paid line here, but it is a different product: it adds reimbursements, card management and QuickBooks or Xero sync, roughly what Ramp Free already gives away. Expensify's Control plan, its answer to Plus, is custom priced "as low as $9 per active member" a month, with discounts for annual commitments and Expensify Card use. Expensify vs Ramp walks through that trade.

BILL Spend & Expense is free like Ramp Free, with credit lines from $1,000 to $5M subject to approval, read on BILL's pricing page. Its accounts payable product is a separate per-user subscription, priced in our BILL pricing guide.

Costs outside the subscription

Ramp's paid features are only part of the bill, and several common fees are lower than buyers expect.

The banking side pays you rather than charging you. Ramp's pricing page lists 2% APY on eligible funds in the Ramp Checking Account, a variable rate stated as of 4 November 2026 and paid by First Internet Bank of Indiana, Member FDIC. It also lists a 4.63% yield on the Ramp Investment Account, a figure net of an advisory fee of up to 0.15%, calculated on a $10M sample portfolio as of 3 September 2026. That account is not FDIC insured and can lose value, so treat it as an investment product, not a deposit.

If your bank charges for wires and ACH, compare those fees with Ramp's in our business banking fees guide. Finpresso's daily brief tracks pricing changes like these for finance teams; sign up at finpresso.com.

Is Ramp Plus worth it?

Decide by ledger first, entities second, transaction volume third.

• Stay on Free if you run QuickBooks Online or Xero, have one entity and a simple approval chain. You get cards, bill pay, travel and receivables at $0, and a 25-person team saves at least $3,600 a year against Plus on annual billing.
• Move to Plus if your ledger is NetSuite, Sage Intacct, Acumatica or Business Central, because Free has no integration for them. The same applies if you consolidate several entities or need release approvals on outgoing payments.
• Ask for Enterprise if you need Workday or Oracle Fusion sync, card issuing in local currencies or a dedicated success manager. It is annual billing only.

The steelman for paying is time. Plus automates the coding and approval of routine spend, and Ramp's AP agent codes bill line items; at a few hundred transactions a month, that is the work a staff accountant would otherwise do by hand. The case against is that you cannot finish the calculation until Ramp names the platform fee. Use the 30-day trial to see whether the automation removes real hours from your close, and get the quote before the trial ends.

For the full product picture, including card controls and approval rules, read our Ramp review. The best corporate cards ranking sets Ramp against the field, Brex review covers its closest rival, and best AI for expense management compares the tools that compete on receipt and coding automation.

How we priced this

We read Ramp's pricing page (plan cards, comparison table, FAQ and footnotes) and Ramp's platform agreement on 4 November 2026, along with the pricing pages of Brex, Expensify and BILL on the same day. Price history comes from Internet Archive snapshots of Ramp's own pricing page, linked above. Every plan price and fee is the vendor's own; yearly totals and the annual-billing rate are our arithmetic on those printed prices, and we did not estimate the platform fee or any add-on price Ramp does not print. This page is general information, not personalized financial advice. Confirm the platform fee, add-on prices, account rates and card terms with Ramp before you sign.

FAQ

How much does Ramp cost in 2026?

Ramp Free costs $0 per user a month. Ramp Plus costs $15 per user a month plus a platform fee based on team size, with 20% off on annual billing, and Enterprise is custom priced on annual billing, all read on Ramp's pricing page on 4 November 2026.

Is Ramp really free?

Yes. The Free plan includes unlimited corporate cards, expense management, travel booking, bill pay and QuickBooks Online and Xero integrations at $0 per user. Paid costs start when you need Plus features such as NetSuite sync or multi-entity support, or an add-on such as procurement.

What is the Ramp platform fee?

It is a fee charged on Ramp Plus on top of the per-user price, which Ramp's pricing page describes only as "based on team size". No amount or tier table is printed, so ask Ramp to quote it in writing and confirm whether the annual discount applies to it.

How much is Ramp Plus on annual billing?

Ramp advertises 20% off with annual billing, which brings the per-user rate to $12 a month, or $144 per user a year, by our arithmetic. The platform fee comes on top, and Ramp does not print whether the discount covers it.

Is Ramp cheaper than Brex?

On the free tiers both cost $0. On the paid tiers, Brex Premium is $12 per user a month and Ramp Plus on annual billing reaches the same per-user rate, so on printed prices the platform fee is what makes Ramp Plus the dearer of the two. On monthly billing Ramp Plus costs $3 more per user a month before that fee.

Does Ramp offer a free trial of Plus?

Yes. Ramp's FAQ offers a free 30-day trial of Ramp Plus, and you can upgrade or downgrade between plans at any time from the Ramp dashboard or through Ramp's team.

Cite this: Finpresso, "Ramp Pricing 2026: Free Plan, Ramp Plus at $15 per User and the Platform Fee", November 2026.

Want the next Ramp, Brex or BILL price change in your inbox? Finpresso sends finance teams one short brief each morning: subscribe at finpresso.com.

Some offers on this page may be paid placements or contain affiliate links.