Ramp vs Airwallex
Quick verdict: Ramp is our overall pick for Ramp vs Airwallex.
Ramp and Airwallex are both $0-to-$12/$15 per user with a platform fee on top, and the difference is that Airwallex is also a payments company.
| Tool | Rating | Pricing | Best for |
|---|---|---|---|
| Ramp Best overall Best for teams | 4.4/5 | Free $15/user/mo (Plus) plus platform fee | Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user … |
| Airwallex Best free | 4.1/5 | Free $12/user/mo (Grow) plus platform fee | Airwallex is the multi-currency account layer that also does spend: Explore is $0 per user… |
Bottom line: single-country, many employees, heavy approval traffic - Ramp. Multi-entity, multi-currency suppliers - Airwallex, and accept that its expense reporting is the immature half of the product. Ramp Free is $0 and Plus is $15/user plus a team-size platform fee. Airwallex Explore is $0 and Grow is $12/user plus a platform fee, with transaction fees published line by line. Ramp for spend controls and internal approvals; Airwallex for anything that touches a bank account in another currency.
Pricing and details
Ramp · 4.4/5
Free plan available · $15/user/mo (Plus) plus platform fee
Per-user subscription plus a company-size platform fee; card interchange and any revenue-based rewards are separate from the subscription line
20% discount when billed annually, as published on the Ramp pricing page
Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user per month - and adds a platform fee on top, with a published 20% discount for annual billing.
Score breakdown
Pros
- The most complete product in the set: cards, bill pay, expense management, reimbursements and accounting integrations in one console
- A real $0 Free tier plus a published 20% discount for annual billing - the only vendor here that states its annual discount as a percentage
- Plus adds controls that are usually sold as enterprise features - custom approval policies, card freeze rules, budget tracking
- The interface is the easiest in the cluster to hand to employees who will not read a training manual
Cons
- The platform fee is described as being based on company size rather than published as a number, so the total bill cannot be forecast from the page alone
- Plus at $15/user/month is $3 more per user than Brex Premium, before the platform fee
- No credit product of Brex's kind, so if cash flow is the problem you are solving, this is the wrong tool
Pricing verified 2026-10-03
Airwallex · 4.1/5
Free plan available · $12/user/mo (Grow) plus platform fee
Subscription per user plus a team-size platform fee, with payment and card rails charged separately: 2.80% + $0.30 domestic, 4.30% + $0.30 on international cards, 0.50% per successful subscription transaction, $15-$25 per wire, and $12 per active Spend user/month above the 10 free Spend users up to 250
No published annual rate; monthly prices are stated in USD and the page notes that terms and additional fees may apply
Airwallex is the multi-currency account layer that also does spend: Explore is $0 per user per month, Grow is $12 per user per month plus a platform fee, and Accelerate is custom - with up to 10 free Spend users.
Score breakdown
Pros
- The only vendor here that publishes its transaction economics as actual numbers: domestic cards 2.80% + $0.30, international 4.30% + $0.30, subscriptions 0.50% per successful transaction, wires $15-$25
- Business accounts in 20+ currencies, local collection accounts and like-for-like settlement in the same product as the cards
- A free tier that includes unlimited multi-currency corporate cards with zero international fees, not a stripped trial
- Up to 10 free Spend users above the subscription fee, so a rollout does not start billing on day one
Cons
- Expense reporting is the junior product here - the roadmap even lists several expense and accounting features as coming soon
- Grow is $12/user/month plus a team-size platform fee, and the fee is not published as a number
- Single-platform concentration: if you need deep accounting integration, the NetSuite and Dynamics connectors sit on Grow and above
Pricing verified 2026-10-03
Frequently asked questions
Which is better overall, Ramp or Airwallex?
Ramp is our overall pick (4.4/5 vs 4.1/5). Ramp and Airwallex are both $0-to-$12/$15 per user with a platform fee on top, and the difference is that Airwallex is also a payments company.
Do Ramp and Airwallex offer free plans?
Ramp and Airwallex have a free tier. Ramp paid plans start at $15/user/mo (Plus) plus platform fee; Airwallex paid plans start at $12/user/mo (Grow) plus platform fee.
What does Ramp cost?
$15/user/mo (Plus) plus platform fee — Per-user subscription plus a company-size platform fee; card interchange and any revenue-based rewards are separate from the subscription line. Prices were last verified on 2026-10-03.