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.
Rate this app
7.8Solid
AlternativesOur take
Desk verdict
Pair Ramp with Mercury. Do not replace the operating account with a card platform.
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.’
Ramp lists Commercial card programme under Partner banks / card networks in United States. On safeguarding we currently write: Not a deposit account — cards and bill pay. Holder / issuer line: Sutton Bank / Celtic Bank (confirm current issuer). An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 3 live markets on the product. As we score the sticker: monthly Software + card; pricing by plan; FX FX on overseas card spend; ATM Not an ATM product. This desk would open it for: US finance teams that want control more than airline miles.
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. Desk score 7.8 / 10 (safety 7.4, fees 8.0, features 9.0, app 8.8). Last verified 2026-08-01. Headquartered in New York, United States; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: US finance teams that want control more than airline miles.
Pros
- +Virtual cards as a primitive
- +Bill pay + cards in one ledger
- +Savings-led brand
Cons
- −Not a bank account
- −US-weighted
- −You still need Mercury or a bank
How it actually works
- Custody
- Issued / held via Sutton Bank / Celtic Bank (confirm current issuer)
- Local rails
- ACH / USD · Faster Payments
- Built for
- Business
- Settlement
- Card auth in seconds
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
Not a deposit account — cards and bill pay
Holder / issuer: 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
FAQ
Is Ramp a bank?+–
Ramp is not a licensed deposit-taker in the classic sense. Money, if any, sits with Sutton Bank / Celtic Bank (confirm current issuer).
How is money protected?+–
Not a deposit account — cards and bill pay
Where is Ramp available?+–
We list 3 market desks on the desk. Residency and onboarding rules still sit with Ramp.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
5.0 / 5 from 1 published review on this desk.
Controller, Series B
United States· 2026-08-27Verified userVirtual cards and bill pay replaced the old Amex. Pair with Mercury.
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