Is Ramp available for business in Spain?

By Morten Andersen, cofounder of Business Bank Index
Reviewed by Fredrik Filipsson
Availability

Ramp for business in Spain: Available with limits

Key eligibility
Ramp issues euro corporate cards and spend management to companies that hold a legal entity registered in Spain, as part of its European programme. Onboarding in the European Economic Area is arranged with Ramp directly rather than through a fully self serve sign up. Verify the current scope with the provider.
Non resident position
Eligibility centres on having a legal entity registered in Spain or another supported European Union country. A business with no Spanish or European Union entity would fall under Ramp's United States programme instead, which requires United States incorporation. Confirm whether your entity qualifies with the provider.
Local currency support
Ramp supports euro denominated card issuing for entities registered in Spain and several other European Union countries. Ramp is a corporate card and spend management provider rather than a deposit taking bank, so it is not a replacement for a current account. Verify currency scope with the provider.
Headline monthly fee
Ramp markets its core corporate card and spend management software as free to use, with optional paid tiers and finance features. Local Spain pricing should be confirmed with the provider. Verify the current schedule.
Availability and fees as of 21 June 2026Last reviewed 21 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Available with limits. As of 21 June 2026, Ramp issues euro corporate cards and spend management to companies that hold a legal entity registered in Spain, as part of its European Economic Area programme. It is a corporate card and spend platform rather than a deposit taking bank, and European onboarding is arranged with Ramp directly rather than through a fully self serve sign up. Confirm your eligibility and the current scope with the provider.

Does Ramp serve business customers in Spain?

Ramp serves business customers in Spain with limits. Ramp is a financial technology company that provides corporate cards, expense management and accounts payable software. It has extended euro card issuing to companies that hold a legal entity registered in Spain, alongside Ireland, the Netherlands, Germany, France and Italy, through a card issuing partnership. Because the European rollout is newer than the United States product, access for an Economic Area business is typically arranged with Ramp directly. Ramp is a spend and card platform rather than a bank that takes deposits, so a business in Spain that needs a current account with a local IBAN would still use a bank or electronic money provider for that part. As of 21 June 2026.

Eligibility for businesses in Spain

For the European programme, Ramp focuses on companies that hold a legal entity registered in a supported country, which includes Spain. Applicants complete identity and business verification checks before approval. A sole trader or a business without a registered European Union entity may not qualify, and the United States programme separately requires United States incorporation and a United States tax identification number. Because onboarding scope changes as the rollout expands, confirm whether your Spanish entity qualifies directly with the provider. As of 21 June 2026. Verify with the provider

What it costs locally

Ramp markets its corporate card and core spend management software as free to use, earning revenue mainly through interchange and optional paid features rather than a standard monthly account fee. Specific euro pricing, credit terms and any minimums for a Spain registered entity depend on the programme offered to your business. Treat any figure as indicative and confirm the current position with the provider before relying on it. As of 21 June 2026

What local users report

Ramp is widely used by United States companies for corporate cards and expense automation, and its European card issuing is more recent, so the established base of Spain registered users is smaller. Businesses in Spain that want a card and spend platform alongside a local current account often pair a provider like Ramp with a separate bank or electronic money account that issues a Spanish IBAN. As of 21 June 2026, confirm the current position with the provider before relying on it.

How to open Ramp for business in Spain

  1. Confirm that your business holds a legal entity registered in Spain or another supported European Union country, and gather your company registration and identity documents.
  2. Contact Ramp about its European Economic Area programme and complete its identity and business verification checks.
  3. Once approved, set up your euro corporate cards and spend controls, and connect a current account for funding where required.
Open with Ramp →

Questions about Ramp in Spain

Is Ramp available for business in Spain?
Available with limits. As of 21 June 2026, Ramp issues euro corporate cards and spend management to companies that hold a legal entity registered in Spain, as part of its European programme, with onboarding arranged with Ramp directly. It is a card and spend platform rather than a deposit taking bank. Confirm your eligibility with the provider. This is general information, not advice.
Can a business in Spain use Ramp?
Yes, with limits, if it holds a legal entity registered in Spain and passes Ramp's verification checks for its European programme. A business without a Spanish or European Union entity would fall under the United States programme, which requires United States incorporation. Confirm your eligibility with the provider, as of 21 June 2026.
Does Ramp replace a business bank account in Spain?
No. Ramp is a corporate card and spend management provider rather than a bank that takes deposits, so it does not provide a standard current account with a Spanish IBAN. Businesses typically pair Ramp with a bank or electronic money account for everyday banking. As of 21 June 2026, confirm the current position with the provider.
What can a business in Spain use instead or alongside Ramp?
Providers that offer current accounts and cards to business customers in Spain are listed on the Spain country guide, including local banks and online options. Availability and features change, so verify the current position with each provider before applying. As of 21 June 2026.

Availability, fees, and eligibility change. This page was last reviewed on 21 June 2026. Confirm the current position with Ramp before applying.

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