7 Best Ramp Alternatives in 2026

Whether Ramp's recent Bill Pay fee changes pushed you to evaluate alternatives, or you're shopping spend management for the first time, here are the 7 alternatives we'd actually use.

1. Brex - Best for Rewards & Travel

Brex retains free Bill Pay across all tiers, offers excellent travel rewards, and has the strongest perks ecosystem in the category. The downside: less aggressive automation than Ramp on expense reports.

Best for: Travel-heavy teams that want maximum rewards points. Pricing: Free core tier, Premium custom.

2. Mercury - Best for Banking + Spend Combo

Mercury is a business bank that added spend management. Pair Mercury for banking with another spend tool, or use their IO product for an all-in-one. Banking features (Treasury, FX, API access) are unmatched.

Best for: Startups wanting modern business banking. Pricing: Free business checking + Treasury yield.

3. Divvy (BILL Spend & Expense) - Best Free SMB Option

Now part of BILL, Divvy offers a completely free corporate card and expense platform with surprisingly deep features. Bill Pay integration via BILL is seamless if you use it for AP.

Best for: SMBs wanting a free spend platform integrated with AP. Pricing: Free for spend management.

4. Airbase - Best for Mid-Market Procurement

Airbase brings enterprise-grade procurement, approval workflows, and vendor management to mid-market teams. More structured than Ramp - better for finance teams that want process rigor.

Best for: 100-500 person companies with formal procurement processes. Pricing: Custom quotes.

5. Expensify - Best for Pure Expense Reporting

The veteran of expense reporting. If you only need expense reports (no corporate cards or bill pay), Expensify is purpose-built for it.

Best for: Teams that just need expense reports, not full spend platforms. Pricing: Collect $5/user/mo, Control $9/user/mo.

6. Pleo - Best for European Teams

European-headquartered alternative to Ramp with strong EU compliance posture. Supports more European banks and currencies than US-focused alternatives.

Best for: European companies needing local card issuance and compliance. Pricing: Essential €39/mo, Advanced €89/mo, Beyond custom.

7. Spendesk - Best for Fast-Growing European Scale-ups

Another EU player. Strong on automation, weak on US market presence. Good fit if Pleo doesn't suit your specific stack.

Best for: Mid-market European teams that have outgrown basic tools. Pricing: Custom quotes.

How to Choose

• Want rewards? Brex.
• Need banking + spend? Mercury.
• SMB on a budget? Divvy.
• Enterprise procurement? Airbase.
• European team? Pleo or Spendesk.