Ramp
Time is money. Save both.
SplitMyExpenses
Split bills with friends, track balances, and settle up
Updated February 2026
| Ramp | SplitMyExpenses | |
|---|---|---|
| Rating | 4.6★ | 5.0★ |
| Reviews | 9 | 3 |
| Pros | 10 | 0 |
| FactScore™ | 45.6 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Ramp — Pros
1.5% cash back Advanced savings reports Bill-Pay feature Credit card processing Integration with Digits Intuitive user flows Invoice processing Reimbursement feature Time saving Unlimited cardsBoth tools — Pros
—Only in SplitMyExpenses — Pros
No unique pros listedOnly in Ramp — Cons
Identity verification issuesBoth tools — Cons
—Only in SplitMyExpenses — Cons
—Details
| Ramp | SplitMyExpenses | |
|---|---|---|
| Categories | Budgeting apps, Neobanks, Credit score tools | Spreadsheets, Budgeting apps, Money transfer |
| Platforms | Web · iOS · Android | Web · iOS · Android |
| Became Popular | February 12, 2020 | June 5, 2023 |
| Website | www.ramp.com | www.splitmyexpenses.com |
Who Should Pick Which?
Choose Ramp if...
- 1.5% cash back
- Advanced savings reports
- Bill-Pay feature
Choose SplitMyExpenses if...
- No unique pros listed
With a FactScore™ of 45.6 vs 30.1, Ramp leads in community reception. Ramp uniquely offers 1.5% cash back and Advanced savings reports, while SplitMyExpenses stands out for No unique pros listed.
What Users Say
Ramp
Love our partnership with Ramp to bring Ramp data straight into Digits accounting.
Nothing makes life easier than having a Ramp card. We use it everyday, thank it everyday!
Nothing makes life easier than having a Ramp card. We use it everyday, thank it everyday!
SplitMyExpenses
Clean and modern interface that is easy to use! Significantly reduced the time it takes for me to go through my transactions and charge my friends and family. The best part is I don't need to wait ...
Easy to sign up and use. Really liked the free option, didn't need to bother with the trial, does everything i needed it to do in one try. Can't wait for the mobile version!
osum product, the bill itemiser feature is just next level and solves the day to problem on a chai tapri! hats off
Related Comparisons
Frequently Asked Questions
Which is better, Ramp or SplitMyExpenses?
Based on FactScore™, Ramp leads with a score of 45.6 vs 30.1. Ramp has a higher rating of 4.6★ compared to 5.0★.
What are the pros of Ramp compared to SplitMyExpenses?
Ramp uniquely offers: 1.5% cash back, Advanced savings reports, Bill-Pay feature, Credit card processing, Integration with Digits.
What are the pros of SplitMyExpenses compared to Ramp?
SplitMyExpenses uniquely offers: No unique pros listed.
Is Ramp better rated than SplitMyExpenses?
Ramp is rated 4.6★ from 9 reviews. SplitMyExpenses is rated 5.0★ from 3 reviews.
What is the FactScore™ of Ramp and SplitMyExpenses?
FactScore™ weighs rating and review volume together. Ramp scores 45.6 and SplitMyExpenses scores 30.1.
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