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Ramp review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Ramp suits a business that wants company cards, spending controls and cashback without account charges. A monthly fee of $0 and an annual fee of $0 make it the cheapest option on this list for a business, not a personal account.

Key facts

Best for
A small business wanting fee-free corporate cards and multi-currency spending.
Monthly fee
$0↗
Card type
Debit↗
Cashback rate
5%↗
Card network
Visa↗
Currencies
from 40↗
Legal entity
Ramp Business Corporation↗
Headquarters
United States↗
Founded
2019↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Multi-currency, Virtual card, Travel
Audience
Business
Official website
ramp.com

Credit cards

Annual fee
$0↗
Rewards type
Cashback↗
Rewards rate
Up to 5% cashback plus over $350,000 in partner rewards↗
Perks
Unlimited physical and virtual corporate cards at no extra cost, Free wires and same-day ACH via Bill Pay, FDIC-insured business account with no fees, minimum deposits or transfer caps, 2% APY on cash and 4.64% YTM on the investment account, 24/7 chat support; 24/7 phone support on Plus and Enterprise, Over $350,000 in partner rewards and sign-up offers, No personal credit checks or personal guarantees↗
Card kind
Charge↗
Pricing model
No annual fee

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • Monthly fee of $0 and annual fee of $0 on a business account
  • Unlimited physical and virtual corporate cards at no extra cost
  • Cashback of 5% with partner rewards worth over Unlimited physical and virtual corporate cards at no extra cost, Free wires and same day ACH via Bill Pay and FDIC insured business account with no fees, minimum deposits or transfer caps
  • Multi-currency, virtual-card and travel features across from 40 currencies

Cons

  • Support runs on email, chat and phone outside the top plans, with round the clock phone lines only on Plus and Enterprise
  • Cards run on a single market with US coverage, so the account is built for US businesses
  • Account type is charge rather than a personal current account, so it will not serve everyday household banking
Ramp

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • A company that issues cards to staff and needs limits and spend tracking
  • A business spending abroad, since the card supports from 40 currencies
  • A business that wants fee-free wires and same-day ACH through Bill Pay

Who should look elsewhere

  • Anyone after a personal current account, where bunq charges a monthly fee of €0
  • Travellers in the UK who want a personal multi-currency account, as Wise charges a monthly fee of £0
  • Personal cash users who want a debit card, since Starling Personal Account Debit Card lists a monthly fee of £0

The company behind it

Ramp is run by Ramp Business Corporation, which is based in the US and was founded in 2019. It serves a business audience, so the account is built around corporate card issuing rather than personal current accounts. Support runs through email, chat and phone, with round the clock chat on the standard plan and round the clock phone lines on the Plus and Enterprise plans.

How Ramp compares

Where Ramp is available

Available
Canada, United Kingdom, United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Ramp cost to run?+

The business account carries a monthly fee of $0 and an annual fee of $0, and the pricing is listed as no annual fee. Physical and virtual corporate cards are included at no extra cost, so card issuing does not add a separate charge.

What protection is there on the money in the account?+

Ramp describes the account as an FDIC-insured business account with no fees, minimum deposits or transfer caps. The debit card runs on the visa network, and the account is aimed at companies rather than personal savings.

What rewards do company cards earn?+

Card spending earns cashback at 5%, and Ramp also lists partner rewards and sign-up offers as part of the package. Rewards are paid as cashback rather than points or miles, which suits teams that want a simple rebate.

Is Ramp a personal bank account?+

No. Ramp is built for a business audience, and the account is a charge card setup for company spending. Anyone wanting everyday personal banking would need a personal provider instead.

How many currencies can the cards hold?+

The cards are multi-currency and support from 40 currencies, with travel named as a feature. Spending abroad runs on the visa network, so a single company card can be used in more than one market.

How do I get hold of support?+

Support is available through email, chat and phone, with round the clock chat as the standard route. Round the clock phone support sits on the Plus and Enterprise plans rather than the base account.

Can I use the account for saving or investing?+

Ramp lists interest on cash and a yield to maturity on its investment account alongside the corporate cards. Fees stay at $0 monthly, with the charge cards drawing on the business balance.

Sources

  • en.wikipedia.org/wiki/Ramp_(company) checked September 26, 2026

    Backs: Founded

    “Founded March 2019; 7 years ago (March 2019)”

  • ramp.com checked September 26, 2026

    Backs: Cashback rate, Currencies, Card network

    “Up to 5% cashback and over $350K in partner offers”

  • ramp.com checked September 26, 2026

    Backs: Rewards rate, Rewards type

    “Up to 5% cashback and over $350K in partner offers”

  • ramp.com/about-us checked September 26, 2026

    Backs: Audience

    “Tens of thousands of finance teams use Ramp to modernize their operations”

  • ramp.com/pricing checked September 26, 2026

    Backs: Annual fee, Card kind, Card type, Features, Headquarters, Legal entity, Pricing model, Monthly fee, Perks, Support channels

    “Free $0/mo/user - Unlimited physical and virtual cards”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Ramp

Ramp

A small business wanting fee-free corporate cards and multi-currency spending.

9.0/10See alternatives