United Kingdom
Canada
activeFeaturedBusiness banking
- HQ
- San Francisco
- Fee
- Free core operations
Ramp
US corporate cards and bill pay that sell savings, not points theatre.
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7.8Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Ramp is not a bank. Your money sits with Sutton Bank / Celtic Bank (confirm current issuer).
If it fails?
Not a deposit account — cards and bill pay
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Software + card; pricing by plan
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.8
/10 · Solid
Pair Ramp with Mercury. Do not replace the operating account with a card platform.
What it is
Ramp is a spend platform: Visa commercial cards, virtual cards, bill pay. Issuing banks sit underneath. It is filed here because finance teams search ‘business banking’ and mean ‘cards plus control.’
Best for: US finance teams that want control more than airline miles.
Last checked 2026-08-01. Not advice.
What it does well
- +Virtual cards as a primitive
- +Bill pay + cards in one ledger
- +Savings-led brand
What to watch
- −Not a bank account
- −US-weighted
- −You still need Mercury or a bank
Who holds the money
The account
How money actually moves
- Who holds the cash
- Issued / held via Sutton Bank / Celtic Bank (confirm current issuer)
- How money moves
- ACH / USD · Faster Payments
- Built for
- Business
- Settlement
- Card auth in seconds
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Ramp lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not a deposit account — cards and bill pay
Who holds the money: Sutton Bank / Celtic Bank (confirm current issuer)
- Partner banks / card networksCommercial card programme · United States
Fees
- Monthly
- Software + card; pricing by plan
- FX markup
- FX on overseas card spend
- ATM
- Not an ATM product
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Corporate cards
- Unlimited virtual cards
- Bill pay
- Expense management
- Accounting lock
Score
- Safety25%
- 7.4
- Fees20%
- 8.0
- Features15%
- 9.0
- App15%
- 8.8
- Global15%
- 5.4
- Support10%
- 8.2
Change log
Full logProduct
Bill pay + virtual cards default for US start-ups
Not a bank. The operating account still sits next door.
Product
Bill pay + virtual cards default for US start-ups
Not a bank. The operating account still sits next door.
Available in
Straight answers
FAQ
01Is Ramp a bank?
Ramp is filed as Commercial card programme. The named regulator is Partner banks / card networks. Still read the entity on the statement before you send money.
02What happens to money in Ramp if it fails?
Not a deposit account — cards and bill pay
03What does Ramp charge each month?
The monthly fee on this file is Software + card; pricing by plan. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
5.0 / 5 from 1 published review on NeoBankDB.
Controller, Series B
United States· 2026-08-27Verified userVirtual cards and bill pay replaced the old Amex. Pair with Mercury.
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