Snapshot
Ramp and Found compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Ramp figures as of 8 May 2026Found figures as of 8 May 2026Last reviewed 8 May 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Ramp and Found are built for different jobs. Ramp is a corporate card and spend management platform for registered United States companies, with expense management, bill pay and accounting integrations at the centre. Found is a banking account for self employed people and sole proprietors, with built in tax set aside, invoicing and bookkeeping. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 8 May 2026.
Ramp vs Found at a glance
| Feature | Ramp | Found |
|---|---|---|
| Account type | Corporate card and spend management platform from a financial technology company, not a bank, with an optional business account and bill pay. Built around expense management and accounting controls. | Business banking built for the self employed, with banking services provided by a partner bank that is a member of the Federal Deposit Insurance Corporation. Found is a financial technology company, not a bank. It adds automatic tax set aside, bookkeeping and invoicing. |
| Who it suits | Registered United States companies that want corporate cards, automated expense management, bill pay and accounting controls across a team. | United States self employed people, freelancers, independent contractors and sole proprietors who want a simple account with built in tax and bookkeeping tools. |
| Monthly fee | The core Ramp card has no annual fee. Some plans and add on software tiers exist at a cost. As of 8 May 2026. Confirm current plan pricing with Ramp. | No monthly fee on the core account. Paid plans add features, for example Found Plus at about 35 United States dollars a month and Found Pro at about 80 United States dollars a month. As of 8 May 2026. Verify with Found. |
| Transaction fees | Ramp prices some payment methods per transaction, for example standard ACH, checks, same day ACH, domestic wires and international wires. These can be waived when funded from a Ramp business account. As of 8 May 2026. Verify the current figures with Ramp. | No monthly minimum or overdraft fee on the core account. Some transactions, such as wires and instant transfers, can carry fees. As of 8 May 2026. Verify the current rate card with Found. |
| FX fees | Ramp states it supports international card transactions and describes related transaction fees as waived. Confirm current terms with Ramp. As of 8 May 2026. | Found is built around United States dollar banking and international features are limited. Unclear at a single headline rate, so verify with Found. As of 8 May 2026. |
| Minimum deposit | Ramp states applicants generally need at least 25,000 United States dollars held in a business bank account to qualify. As of 8 May 2026. Verify with Ramp. | No minimum opening deposit and no minimum balance to open or keep the account. No credit check to open the core account. As of 8 May 2026. Verify with Found. |
| Multi currency | The card supports international transactions. Ramp is United States based and is not a multi currency banking provider in the way some neobanks are. As of 8 May 2026. Verify with Ramp. | United States dollar only. Found does not market multi currency accounts. As of 8 May 2026. Verify with Found. |
| Integrations | Expense management, bill pay and accounting integrations are central to the product, with corporate cards and approval controls. Confirm current integrations with Ramp. | Built in bookkeeping, invoicing, expense categories and tax estimates inside the app, with a debit card. Confirm current integrations and any accounting exports with Found. |
| 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. Sole proprietorships and unregistered businesses are not eligible. As of 8 May 2026. Verify with Ramp. | United States based self employed people and sole proprietors. Some entity types, such as corporations and businesses with employees, may not be supported. As of 8 May 2026. Verify the current requirements with Found. |
| Broadly available in | The United States. The business must be a registered United States entity with a physical United States address. As of 8 May 2026. | The United States only. As of 8 May 2026. |
Use the table to weigh the differences. The usual question is which one matches your business shape: a registered company that wants corporate cards and spend controls tends toward Ramp, while a self employed sole proprietor that wants tax and bookkeeping tools tends toward Found. Confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 8 May 2026. Confirm current terms with the provider before applying.
Visit Ramp → Visit Found →Questions about Ramp and Found
Which is better for my business, Ramp or Found?
It depends on your needs. The table on this page compares Ramp and Found on account type, fees, currency support, eligibility and availability using each provider's published terms. Ramp is a corporate card and spend management platform aimed at registered United States companies, while Found is a banking account built for self employed people and sole proprietors with tax and bookkeeping tools. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both Ramp and Found?
It depends on eligibility. Ramp requires a registered United States business and generally a minimum balance held in a business bank account, while Found is aimed at self employed people and sole proprietors. The two products serve different shapes, so confirm eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Ramp and Found figures are shown as of 8 May 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 8 May 2026. Confirm current terms with each provider before applying.