Soldo vs Ramp
A detailed comparison to help you choose between Soldo and Ramp.
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Verdict: Ramp wins
Ramp scores 4.3/5, edging out Soldo at 4.0/5. US startups and SMBs that want free corporate cards with real spend controls and are ready to pay for AI that enforces policy and codes the books.
Soldo Zakelijke uitgavenkaarten | Ramp AI corporate cards and spend management | |
|---|---|---|
| Rating | 4.0 (1 review) | 4.3 (1 review) |
| Pricing Model | paid | free |
| Starting Price | Pricing varies | Free |
| Best For | Incorporated European businesses that want to issue prepaid company cards with real pre-purchase spend controls and automated receipt-to-accounting flow, and can live within the Plus tier's feature set. | US startups and SMBs that want free corporate cards with real spend controls and are ready to pay for AI that enforces policy and codes the books. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | — | free tierteam featuressso |
| Visit Ramp → |
Soldo
Pros
- + Controls fire before the money moves: per-card caps and merchant-category rules declined my test transaction at the point of sale instead of flagging it later
- + Card range is wider than most rivals — physical, virtual, temporary, multi-user company, fuel and subscription cards, all with Apple/Google Pay (soldo.com/en-gb/pricing)
- + Xero integration carried receipts and categories into reconciliation and removed the manual matching step in my trial; Capterra reviewers report 4-5 hours/week saved on receipt input
- + Transparent entry pricing at £27/£39 per month plus VAT with a 30-day trial and published financial-services fee summary, rather than sales-gated quotes (soldo.com/en-gb/pricing, at time of writing)
- + FCA-authorised e-money institution (ref 900459) and Mastercard-issued cards — regulated money, not a software wrapper; Trustpilot 4.89/5 from 1,761 reviews (April 2026, via businessexpert.co.uk)
Cons
- - No free plan and no service for sole traders — incorporated entities only (soldo.com/en-gb/questions)
- - Table-stakes features sit above Standard: OCR receipt verification, multi-currency wallets and advanced approvals all require Plus at £39/month
- - Nearly every serious integration is an add-on — NetSuite, Dynamics, SAP Concur, SSO, API, payroll CSV and Amazon Business all cost extra (soldo.com/en-gb/pricing)
- - Reporting is the recurring weakness in reviews: limited for advanced analysis, and PDF expense reports render attached invoice images at poor quality in my test
- - The 2023 move from per-card to per-user pricing raised costs for customers with non-spending users like accountants (Capterra reviews)
Ramp
Pros
- + Free plan covers unlimited cards, AP (OCR invoices, approval workflows, fraud checks), AR, expense via SMS/Slack and AI reporting at $0/month per user
- + Policy enforcement is mechanical — Plus auto-locks cards when compliance (like missing receipts) is unmet
- + AI judgement features are clearly separated: free for collection and categorisation, paid ($15/user/month) for reviews, recommendations and full-field coding
- + Banking included: 2% on checking cash and 4.57% in the investment account per ramp.com/pricing at time of writing, with free wires and same-day ACH
- + Travel booking inside the same policy engine with 24/7 phone support on Plus
Cons
- - Primarily for US companies; broader local-currency issuing and reimbursements only appear on custom Enterprise pricing
- - Qualification typically requires incorporated entity with revenue or funding — pre-revenue bootstrappers may not pass
- - Plus carries a platform fee on top of the $15/user/month that is not published and requires a sales conversation
- - Procurement workflows (intake, POs, three-way match) are a paid add-on even on Plus
- - Savings and time-saved claims (85,000+ teams, millions of hours) are vendor marketing with no independent verification
Frequently Asked Questions
Which is better, Soldo or Ramp?▼
Ramp scores higher at 4.3/5 vs 4.0/5 for Soldo, making it the better-rated option in our comparison.
What is the difference between Soldo and Ramp?▼
Soldo: Soldo issues prepaid company Mastercards with spending rules per card, and collects receipts and expense data for the finance team. Ramp: Corporate card and spend management platform with AI that categorizes expenses, detects overspending, and suggests savings.
Is Soldo or Ramp more affordable?▼
Soldo starts at €0/mo, Ramp starts at €0/mo. Check the comparison table above for current pricing.
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