London-based spend platform with a large office in Sofia, Bulgaria. Combines company cards, expense reports, supplier invoice processing, purchase approvals and business travel, with cards in several European currencies.
Compared with Ramp: Cards, expenses, supplier invoices, procurement and travel in one platform, close to Ramp's scope and built for multi-country firms. No free plan; the small-business Growth plan is £149 a month.
- Headquarters
- London, United Kingdom
- Founded
- 2018
- Employees
- 477
- Your data
- Not stated
- Price
- From £149/account/month
- Free plan
- No
- Best for
- Companies with entities in several countries
Issues unlimited physical and virtual cards, reimburses expenses, and adds procurement and supplier invoice payment modules, with approval workflows and multi-entity reporting.
Compared with Ramp: Cards, reimbursements, procurement and supplier payments with unlimited users, from a Paris company that hosts data on AWS in Dublin. Quote-based pricing and no free plan, unlike Ramp.
- Headquarters
- Paris, France
- Founded
- 2016
- Employees
- 378
- Funding raised
- $198.6M
- Your data
- In Europe
- Price
- On request
- Free plan
- No
- Best for
- Mid-size companies centralising all non-payroll spend
Berlin spend management platform run by Nufin GmbH. Combines virtual and physical company cards, supplier invoice processing and employee expense reports with approval workflows and accounting exports.
Compared with Ramp: Berlin platform for company cards, supplier invoices and expense reports with approval workflows. Pricing depends on the modules chosen, and Moss doesn't publish where data is hosted.
- Headquarters
- Berlin, Germany
- Your data
- Not stated
- Price
- On request
- Free plan
- No
- Best for
- Mid-size firms handling cards and supplier invoices together
Gives employees physical and virtual company cards, captures receipts in an app, handles reimbursements and mileage, and syncs spending to accounting software.
Compared with Ramp: Company cards, receipt capture and reimbursements for small and mid-size teams, from €8 per user a month, with data on AWS in Ireland. Ramp's base plan is free.
- Headquarters
- Copenhagen, Denmark
- Founded
- 2015
- Employees
- 201–500
- Your data
- In Europe
- Price
- From €8/user/month
- Free plan
- No
- Best for
- Small and mid-size firms giving staff company cards
Issues physical, virtual and single-use business credit cards with cashback, spend limits and receipt capture, plus business accounts, supplier payments and card APIs for travel and fintech platforms.
Compared with Ramp: Credit cards with spend controls and cashback for companies with large card volumes; Pliant says it doesn't suit firms spending under €10,000 a month on cards. Prices on request.
- Headquarters
- Berlin, Germany
- Founded
- 2020
- Your data
- Not stated
- Price
- On request
- Free plan
- No
- Best for
- Companies spending over €10,000 a month on cards
Founded in Barcelona as TravelPerk. Combines travel booking with the expense software of Swiss Yokoy, bought in 2025. Runs dual headquarters in London and Boston.
Compared with Ramp: For Navan users: travel booking and Yokoy's expense software in one product, from £6 per active user a month plus 3% per booking. Centred on travel spend, not supplier bills.
- Headquarters
- London, United Kingdom
- Founded
- 2015
- Your data
- Not stated
- Price
- From £6/user/month
- Free plan
- No
- Best for
- Companies managing travel and expenses together
Handles employee expense reports and travel expenses, company credit cards, supplier invoices and tax-free employee benefits. Its expense product is certified as compliant with German bookkeeping rules (GoBD).
Compared with Ramp: German expense and travel-expense software with cards and supplier invoices, hosted on AWS in Germany. Priced per module, from €15 per licence a month with a ten-licence minimum.
- Headquarters
- Berlin, Germany
- Founded
- 2017
- Employees
- 51
- Funding raised
- $5.2M
- Your data
- In Europe
- Price
- From €15/user/month, billed yearly
- Free plan
- No
- Best for
- German companies with many travelling employees
Expense management with a receipt-scanning app, mileage and per diems, cards and travel, plus accounts payable automation added through its 2025 purchase of Norway's Semine. Majority-owned by French investor Eurazeo.
Compared with Ramp: Expense reports, mileage and per diems plus supplier invoice automation, with data in Azure in the EU. From €8 per user a month yearly, five-user minimum; no free plan.
- Headquarters
- Mechelen, Belgium
- Founded
- 2011
- Employees
- 224
- Funding raised
- $9.5M
- Owned by
- Eurazeo (France)
- Your data
- In Europe
- Price
- From €8/user/month, billed yearly
- Free plan
- No
- Best for
- International firms with many expense claims
Gives teams prepaid physical and virtual cards loaded from budgets and captures receipts in an app. EEA customers are served by its Irish entity, regulated by the Central Bank of Ireland.
Compared with Ramp: Prepaid company cards with budgets and receipt capture, from €27 a month for three users. Its Irish entity, regulated by the Central Bank of Ireland, serves EEA customers.
- Headquarters
- London, United Kingdom
- Founded
- 2015
- Your data
- Not stated
- Price
- From €27/account/month
- Free plan
- No
- Best for
- Teams that want tight prepaid budgets per person
Multi-currency business account from London's Revolut with physical and virtual cards. Paid plans add spend rules, expense approvals and bulk payments.
Compared with Ramp: Business account with cards, spend rules and expense approvals on paid plans, so banking and spending sit in one app. Not a dedicated spend platform; prices vary by country.
- Headquarters
- London, United Kingdom
- Founded
- 2015
- Your data
- Not stated
- Price
- On request
- Free plan
- No
- Best for
- Small firms wanting banking and cards in one app
Online business account for small firms and freelancers with a local IBAN, payment cards, invoicing and payment links, sold in France, Germany, Spain, Italy and other EU countries.
Compared with Ramp: French business account with cards, invoicing and expense tracking for small firms, from €9 a month. Replaces a bank account and simple card spend more than a full Ramp-style platform.
- Headquarters
- Paris, France
- Founded
- 2016
- Employees
- 201–500
- Your data
- Not stated
- Price
- From €9/account/month, billed yearly
- Free plan
- No
- Best for
- Small businesses wanting banking and spend in one app
