Dext

AI-powered bookkeeping data capture and expense management for accountants

Ramp

US AI-powered corporate card, expense management, and finance automation platform

Dext

Strong

18/25

Ramp

Caution

10/25

Score Breakdown

DimensionDextRamp

Data Residency

Where is your data stored and processed?

Dext: Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.

Ramp: US-only product and infrastructure; no EU data residency; EU businesses not currently supported

4/5

Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.

1/5

US-only product and infrastructure; no EU data residency; EU businesses not currently supported

Legal Jurisdiction

Which laws govern the company and your data?

Dext: Incorporated in England and Wales under UK law. Regulated by ICO under UK GDPR. UK jurisdiction with no CLOUD Act exposure. EU-UK adequacy decision permits data flows for EU customers.

Ramp: US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

4/5

Incorporated in England and Wales under UK law. Regulated by ICO under UK GDPR. UK jurisdiction with no CLOUD Act exposure. EU-UK adequacy decision permits data flows for EU customers.

1/5

US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

Data Retention & Training

Is your data used for model training?

Dext: Financial document data may be used to improve extraction AI models—review DPA carefully for data use specifics. Configurable retention aligned with accounting regulatory requirements. GDPR DPA available.

Ramp: No training on customer financial data; strong contractual commitments; SOC 2 verified controls

3/5

Financial document data may be used to improve extraction AI models—review DPA carefully for data use specifics. Configurable retention aligned with accounting regulatory requirements. GDPR DPA available.

4/5

No training on customer financial data; strong contractual commitments; SOC 2 verified controls

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

Dext: Holds ISO 27001 certification. Appropriate baseline for a financial document processing platform. SOC 2 Type II and ISAE 3402 would further strengthen the posture for accounting firm procurement.

Ramp: SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

3/5

Holds ISO 27001 certification. Appropriate baseline for a financial document processing platform. SOC 2 Type II and ISAE 3402 would further strengthen the posture for accounting firm procurement.

3/5

SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

Regulatory Fit

Suitability for regulated industries and professional services

Dext: Good fit for UK accounting practices and their SME clients. ISO 27001 and UK GDPR compliance meet common procurement thresholds for financial data processors. Suitable for FCA-regulated firms using Dext for expense and bookkeeping automation.

Ramp: US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

4/5

Good fit for UK accounting practices and their SME clients. ISO 27001 and UK GDPR compliance meet common procurement thresholds for financial data processors. Suitable for FCA-regulated firms using Dext for expense and bookkeeping automation.

1/5

US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

Total Score

18/25

10/25

Best For

Dext

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (ICO, FCA).

Ramp

Best for privacy-conscious teams who need strong data retention controls; teams on a tight budget.

Detailed Comparison

Dext vs Ramp: Trust & Compliance Comparison

Dext (Dext, GB) scores 18/25 overall with a Silver (Strong) trust badge. AI-powered bookkeeping data capture and expense management for accountants. Ramp (Ramp, US) scores 10/25 with a Review Required (Caution) trust badge. US AI-powered corporate card, expense management, and finance automation platform.

Dimension-by-Dimension Breakdown

#### Data Residency

Dext leads with 4/5 vs 1/5.

●Dext (4/5): Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.

●Ramp (1/5): US-only product and infrastructure; no EU data residency; EU businesses not currently supported

#### Legal Jurisdiction

Dext leads with 4/5 vs 1/5.

●Dext (4/5): Incorporated in England and Wales under UK law. Regulated by ICO under UK GDPR. UK jurisdiction with no CLOUD Act exposure. EU-UK adequacy decision permits data flows for EU customers.

●Ramp (1/5): US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

#### Data Retention & Training

Ramp leads with 4/5 vs 3/5.

●Dext (3/5): Financial document data may be used to improve extraction AI models—review DPA carefully for data use specifics. Configurable retention aligned with accounting regulatory requirements. GDPR DPA available.

●Ramp (4/5): No training on customer financial data; strong contractual commitments; SOC 2 verified controls

#### Certifications

Both score equally at 3/5.

●Dext (3/5): Holds ISO 27001 certification. Appropriate baseline for a financial document processing platform. SOC 2 Type II and ISAE 3402 would further strengthen the posture for accounting firm procurement.

●Ramp (3/5): SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

#### Regulatory Fit

Dext leads with 4/5 vs 1/5.

●Dext (4/5): Good fit for UK accounting practices and their SME clients. ISO 27001 and UK GDPR compliance meet common procurement thresholds for financial data processors. Suitable for FCA-regulated firms using Dext for expense and bookkeeping automation.

●Ramp (1/5): US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

Certifications at a Glance

Certification	Dext	Ramp
ISO 27001	Yes	No
PCI DSS	No	Yes
SOC 2 Type II	No	Yes

Overall Verdict

Dext has a clear trust advantage, scoring 18/25 compared to Ramp's 10/25. Dext particularly excels in data residency, legal jurisdiction, regulatory fit.

Frequently Asked Questions

Which is better for EU compliance, Dext or Ramp?

Dext has a TrustKit score of 18/25 while Ramp scores 10/25. Dext currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do Dext and Ramp compare on data residency?

Dext scores 4/5 for data residency (Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.), while Ramp scores 1/5 (US-only product and infrastructure; no EU data residency; EU businesses not currently supported).

Are Dext and Ramp GDPR compliant?

Both tools are assessed across five compliance dimensions. Dext has a regulatory fit score of 4/5 and Ramp scores 1/5. Check the full comparison above for a detailed breakdown.

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