Airwallex vs Ramp.
Airwallex (A77/100) and Ramp (R57/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Airwallex leads Ramp 5-2.
| A Airwallex №14 · FCA 77 /100 | R Ramp №58 · FDIC 57 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 57 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.40% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FCA | Payment inst. FDIC |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | Safeguarded US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 50 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 5k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Airwallex if…
The global multi-currency payments and operating-account platform with the broadest footprint in the SMB category — 23 currencies, local accounts in 10+ jurisdictions, local-account receiving in 60+ countries, multi-jurisdiction licensing (AU AFSL + MAS MPI + HKMA MSO + FCA EMI + US state money-transmitter), volume-based FX pricing, and issuing API for embedded card programmes. Structurally the most comprehensive cross-border AP / AR platform in the category, sitting between Wise Business (consumer-and-SMB cross-border) and Stripe (acquiring + payments) in the global-SMB stack. The embedded-finance API is the structural moat versus Aspire and Wise Business — marketplaces and SaaS platforms build payouts and card-issuing on Airwallex infrastructure rather than running multiple regional bank relationships.
Pick Ramp if…
The spend-management platform that closes the loop on policy enforcement at swipe time — Ramp pushes vendor-level savings recommendations into the finance team's workflow as a structural product, not a feature. Charge card + Bill Pay + Procurement + SaaS-spend management in one stack, with the deepest mid-market ERP integration set of any US corporate-card platform.
- Best for fees Ramp won 1 of 4
- Best for protection Airwallex won 2 of 2
- Best for reach Airwallex won 1 of 3
- Best for ux Tied
Airwallex vs Ramp — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Airwallex better than Ramp?
Under our v3 methodology, Airwallex leads Ramp 5–2 across 12 dimensions. Composite scores: Airwallex 77/100 vs Ramp 57/100. Airwallex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Airwallex or Ramp cheaper?
Monthly fee — Airwallex: €0; Ramp: €0. Card FX markup — Airwallex: 0.40%; Ramp: Interbank. Ramp wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Airwallex or Ramp?
Airwallex holds a Partner-bank licence under FCA; deposit guarantee per depositor: €100,000. Ramp holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Airwallex is the stronger pick on regulatory protection.
Where can I use Airwallex and Ramp?
Airwallex operates in 50 countries; Ramp operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.