Ramp
Plus
$15.00 × 10 seats$150.00
× 12 months$1,800.00
Per year
$15.00 per person / mo
$1,800
Plus a base fee
Ramp vs Relay
Compare with for .
Ramp
62%
match · $1,800/yr
Relay
70%
match · $360/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Relay
Grow
Flat price, whole team$30.00
× 12 months$360.00
Per year
$3.00 per person / mo
$360
Ramp
From $15Free plan
G2 4.8 · 2,546 reviewsFunded startups and mid-size companies that want strong card, expense and AP automation alongside an existing bank.
vs
Relay
From $30Free plan
G2 4.2 · 31 reviewsSmall businesses that budget with multiple accounts and work closely with a bookkeeper or accountant.
Side by side
| Ramp | Relay | |
|---|---|---|
| Pricing | Free; Plus $15/user/month + platform fee | Free; Grow $30/month; Scale $90/month |
| G2 Rating | 4.8 (2,546 reviews) | 4.2 (31 reviews) |
| Best For | Funded startups and mid-size companies that want strong card, expense and AP automation alongside an existing bank. | Small businesses that budget with multiple accounts and work closely with a bookkeeper or accountant. |
Pros and cons
Ramp
Pros
- Strong expense and AP automation
- Interest-bearing checking with no minimum
- Free plan covers a lot
- Free wires through bill pay
Cons
- Requires $25,000 in cash to qualify
- Plus adds a platform fee on top of per-user pricing
- Sole proprietors not accepted
Relay
Pros
- Many sub-accounts for budgeting
- Accepts sole proprietors
- Up to $3M FDIC coverage
- Accountant-friendly permissions
Cons
- Wire fees on every plan
- Best APY and cash back need the Scale plan
- Limited global features
Emily Rodriguez