Ramp is a United States corporate card and spend management platform with a business account and bill pay. It is not a traditional bank. The card has no annual fee. Ramp is available to registered United States businesses such as corporations, limited liability companies and limited partnerships, and to registered Canadian businesses outside Quebec and the territories.
- Who it suits
- United States registered companies that want a corporate card with expense management and bill pay, and that can meet Ramp eligibility such as a minimum cash balance
- Broadly available in
- United States and Canada, excluding Quebec and the Canadian territories, as of 11 October 2026
- Headline monthly fee
- The Free plan costs 0 United States dollars a month. Plus is listed at 15 United States dollars per user a month plus a platform fee. Some bill payment methods are priced per transaction. As of 11 October 2026
- Account type
- Corporate card with a business account and bill pay, not a deposit bank account
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Ramp combines a corporate charge card with expense management, bill pay and a business account. It targets United States companies that want to control spend and automate accounting. Ramp reports that it supports international transactions on the card, but the business itself must be United States based, with most operations and corporate spend in the United States and a physical United States business address.
Strengths
No annual card fee and built in expense management and bill pay. No personal guarantee on the corporate card for many businesses. Ramp issues virtual and physical cards to the team at no extra cost. Accounting integrations are a core focus.
Limitations
Ramp is not a deposit bank, and the corporate card requires you to pay balances rather than carry them like a consumer credit card. Eligibility is restrictive. Ramp states you generally need at least 25,000 United States dollars in a business bank account, must be a registered entity such as a corporation, limited liability company or limited partnership, and must have a physical United States address. Sole proprietorships and unregistered businesses are not eligible. Some payment methods carry per transaction fees. Verify current terms with Ramp.
Fees and features
| Monthly fee | The Ramp card has no annual fee. The Free plan costs 0 United States dollars a month. Plus is listed at 15 United States dollars per user a month plus a platform fee based on team size. Enterprise is priced on request. As of 11 October 2026. |
|---|---|
| Transaction fees | Bill Pay fees are 0.59 United States dollars for standard ACH, 1.99 for a standard check, 10 for same day ACH, 15 for a domestic wire and 20 for a SWIFT USD international wire. These are waived when the bill is paid from a Ramp Checking Account. Overnight check delivery and check attachments are still charged. As of 11 October 2026. |
| FX fees | Ramp states that card purchases in another currency are converted at the Visa rate plus a markup of no more than 3%. The exact terms sit in the Ramp Payment Card Addendum. As of 11 October 2026. |
| Minimum deposit | Ramp states United States applicants need at least 25,000 United States dollars in cash in a linked United States business bank account. Canadian applicants need at least 25,000 Canadian dollars in connected accounts. As of 11 October 2026. |
| Multi currency | The card supports international transactions. Canadian customers can issue CAD cards and virtual USD cards. Ramp is not a multi currency banking provider in the way some neobanks are. As of 11 October 2026 |
| Integrations | Expense management, bill pay and accounting integrations are central to the product. As of 11 October 2026 |
| Eligibility | Registered United States businesses such as corporations, limited liability companies and limited partnerships, with a physical United States address and most operations and spend in the United States. Registered Canadian corporations, incorporated partnerships and not for profits outside Quebec and the territories. Sole proprietorships and unregistered businesses are not eligible. As of 11 October 2026. Verify with Ramp. |
Open a Ramp business account
Availability and fees vary by country. Check the Ramp by country pages below for your market, then confirm current terms with the provider. Shown as of 11 October 2026.
Visit Ramp →Ramp by country
Questions about Ramp
Is Ramp a bank?
Who can get a Ramp card?
Does Ramp charge fees?
Is Ramp available outside the United States?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Ramp before applying.