Snapshot
Ramp and Relay 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 21 March 2026Relay figures as of 21 March 2026Last reviewed 21 March 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 Relay solve different jobs. Ramp is a corporate card and spend management platform with a connected business account, while Relay is online business banking built around multiple accounts for separating money. Many United States businesses use one for spending control and the other for day to day banking. 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 21 March 2026.
Ramp vs Relay at a glance
| Feature | Ramp | Relay |
|---|---|---|
| Account type | Corporate card and spend management platform with a connected business account. Ramp is a financial technology company, not a bank, and its card and banking services are provided by partner banks. | Online business banking from Relay, a financial technology company in the United States, built around multiple accounts so a business can separate money for taxes, payroll and operating costs. |
| Who it suits | United States incorporated companies that want corporate cards, automated expense management and bill pay, often with funds already held at a business bank. | United States small businesses that want to separate money across multiple accounts and manage cash flow and spending in one place. |
| Monthly fee | Free core plan with no monthly fee for the card and standard spend management software. Paid plans, for example Ramp Plus, add features at a monthly cost. As of 21 March 2026. Verify with Ramp. | Free Starter plan with no monthly fee. Paid Grow and Scale plans carry a monthly fee and add features, for example Grow at about 30 United States dollars a month. As of 21 March 2026. Verify with Relay. |
| Transaction fees | No card fee, card replacement fee or employee card fee on the standard plan. Payment methods carry charges, for example standard checks about 1.99 United States dollars, same day ACH about 10 United States dollars, domestic wires about 15 United States dollars and international wires in United States dollars about 20 United States dollars. As of 21 March 2026. Verify the current rate card with Ramp. | No monthly subscription fee, no minimum balance and no overdraft fees on the Starter plan. Domestic wires cost about 5 United States dollars and international wires about 10 United States dollars on the free plan. As of 21 March 2026. Verify with Relay. |
| FX fees | International wire payments in United States dollars are supported and carry a per transfer charge. Foreign currency conversion varies by route, so verify with Ramp. As of 21 March 2026. | Relay is United States dollar focused. International wire payments may carry charges. Unclear at a single headline rate, so verify with Relay. As of 21 March 2026. |
| Minimum deposit | No account opening fee on the standard plan. Ramp's corporate card generally expects a connected United States business bank account with cash on hand. As of 21 March 2026. Verify with Ramp. | No minimum balance required. As of 21 March 2026. Verify with Relay. |
| Multi currency | United States dollar based, with international United States dollar wire payments supported. Not a full multi currency account. As of 21 March 2026. Verify with Ramp. | United States dollar focused, with international wire payments available. As of 21 March 2026. Verify with Relay. |
| Integrations | Accounting integrations including QuickBooks, Xero and NetSuite, plus an API, corporate cards, bill pay and automated expense management. Confirm current integrations with Ramp. | Accounting integrations such as QuickBooks and Xero, with multiple accounts and cards for cash flow management. Confirm current integrations with Relay. |
| Eligibility | Businesses registered in the United States such as an LLC, C corporation, S corporation or limited partnership, with a physical United States business address. Ramp generally expects a connected United States business bank account holding meaningful cash. As of 21 March 2026. Verify with Ramp. | United States registered businesses. As of 21 March 2026. Verify the current requirements with Relay. |
| Broadly available in | The United States. The business must be a United States registered entity. As of 21 March 2026. | The United States only. As of 21 March 2026. |
Use the table to weigh the differences. Ramp and Relay differ most on what they are for, since one centers on cards and spend control and the other on day to day banking, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
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Both providers accept business customers in their supported markets. Fees and eligibility shown as of 21 March 2026. Confirm current terms with the provider before applying.
Visit Ramp → Visit Relay →Questions about Ramp and Relay
Which is better for my business, Ramp or Relay?
It depends on your needs. The table on this page compares Ramp and Relay on account type, fees, currency support, eligibility and availability using each provider's published terms. Ramp is a corporate card and spend management platform, while Relay is online business banking built around multiple accounts. Many businesses use one for spending control and the other for day to day banking. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I use both Ramp and Relay?
Often yes, subject to each provider's eligibility rules. Because Ramp focuses on cards and spend management and Relay focuses on banking, some businesses pair the two. Check 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 Relay figures are shown as of 21 March 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 21 March 2026. Confirm current terms with each provider before applying.