Ramp Banking
Ramp — Time is money. Save both.
Ramp is a spend management platform offering corporate cards, expense management, accounts payable, procurement, travel, accounting automation, and treasury—built to help finance teams control spend and close the books faster.
Security & Compliance
Security and privacy are top priorities.
Security Features
Certifications
- ISO 27001
- PCI DSS
- SOC 1 Type II
- SOC 2 Type II
- SOC 2
Data & Hosting
Data residency
US
Feature Scope
- Two-account structure: Business Account (earn via cash rewards on eligible funds) and Investment Account (cash invested in a U.S. government money market fund; next-day liquidity; not FDIC insured; may lose value). Sources: https://ramp.com/treasury
- No fees/minimums/transfer caps: No opening fee; free, unlimited same-day ACH; move money with ease. Source: https://ramp.com/treasury
- Automations: Auto top-up to keep operating balances funded; alerts before funds are low or when excess cash is available to invest. Source: https://ramp.com/treasury
- Liquidity: Same-day ACH from the Business Account; next-day liquidity from the Investment Account. Source: https://ramp.com/treasury
- Banking and custody partners: Bank deposit services provided by First Internet Bank of Indiana, Member FDIC; optional ICS (IntraFi) service for pass-through FDIC coverage at network banks up to legal limits; securities products and brokerage by Apex Clearing Corporation (SEC-registered broker-dealer; member FINRA & SIPC). Sources: https://ramp.com/treasury, https://www.intrafi.com/network-banks
- Investment details: Investment Account yield corresponds to the effective annualized 7-day yield of the Invesco Premier U.S. Government Money Portfolio (FUGXX); yield is variable and only earned on cash invested in the Investment Account. Source: https://ramp.com/treasury
- Platform integrations: Part of the unified Ramp platform (cards, expense, AP, travel, treasury). Accounting integrations include Xero, NetSuite, QuickBooks, Sage Intacct, Microsoft Dynamics, Oracle, and more; real-time sync via Ramp’s API and bi-directional sync for certain objects. Sources: https://ramp.com/integrations/xero, https://ramp.com/integrations
- Security posture (platform-level): Security certifications include ISO 27001, PCI DSS, SOC 1 & SOC 2 Type II. Source: https://ramp.com/integrations/xero (Security section), https://trust.ramp.com/
- Compliance/regulatory context: FDIC pass-through coverage applies to deposits via First Internet Bank using IntraFi ICS (subject to conditions); Apex Clearing is SEC-registered, FINRA and SIPC member; the Investment Account is not FDIC-insured. Sources: https://ramp.com/treasury
- Payments and AP: Works with Ramp Bill Pay (subject to its terms). Source: https://ramp.com/treasury
- Regions/language: Business Account and Investment Account are U.S.-based services (FDIC partner bank and U.S. broker-dealer); site and support content in English. Source: https://ramp.com/treasury
Pricing hints: No account opening fee. No fees, minimum deposits, or transfer caps for Ramp Treasury accounts. Free, unlimited same-day ACH for payments from the Business Account. Earn model: Business Account pays cash rewards on eligible funds; Investment Account yield is variable per underlying money market fund. Currency: USD. Source: https://ramp.com/treasury
Security hints: Platform security certifications: ISO 27001, PCI DSS, SOC 1 & SOC 2 Type II. Bank deposits via First Internet Bank of Indiana (Member FDIC) with optional pass-through FDIC via IntraFi ICS; brokerage via Apex Clearing (SEC-registered, FINRA & SIPC member). Sources: https://ramp.com/integrations/xero, https://ramp.com/treasury, https://trust.ramp.com/
Compliance hints: FDIC pass-through coverage for deposits placed via IntraFi ICS (subject to conditions and legal limits). Apex Clearing membership in FINRA & SIPC; SEC-registered broker-dealer. Platform compliance certifications: ISO 27001, SOC 1 & 2 Type II, PCI DSS. Sources: https://ramp.com/treasury, https://ramp.com/integrations/xero
Implementation hints: Onboarding initiated via Ramp platform (email sign-up and account opening); no opening fee. Investment account setup required for investing in the money market fund. Same-day ACH and next-day liquidity once accounts are active. Source: https://ramp.com/treasury
Support hints: Help Center available; An integrations page lists support email for Ramp-developed integrations ([email protected]). No SLA, dedicated CSM, or 24/7 coverage details provided on the Treasury page. Sources: https://ramp.com/integrations/xero, https://ramp.com/treasury
Integration hints: Works within the Ramp platform and syncs with major accounting systems. Xero integration supports real-time sync via Ramp’s API and bi-directional sync for vendors and bills; Ramp lists ~200 integrations (e.g., NetSuite, QuickBooks, Sage Intacct, Microsoft Dynamics, Oracle, Acumatica, Zoho Books; travel/receipt tools like Egencia, Corporate Traveler, Amazon Business). Sources: https://ramp.com/integrations/xero, https://ramp.com/integrations
Features at a Glance
Data & API
- API
- Data export
Integrations
- Okta integration
- Slack integration
Mobile
- iOS/Android app
Administration
- Audit trail
- Custom fields
Security & IT
- SSO/SAML
- SCIM
- MFA
- RBAC
- Audit logs
- Data residency region
Compliance
- SOC 2
- ISO 27001
Pricing Model
Flat
Plan 1: flat rate – Treasury has no account opening fee, no fees, no minimum deposits, and no transfer caps. Free, unlimited same-day ACH from the Business Account. Cash rewards on eligible Business Account funds (e.g., up to ~2.5% according to a recent blog post; rewards paid by Ramp and subject to change). Investment Account yield varies based on the effective annualized seven-day yield of the Invesco Premier U.S. Government Money Portfolio (FUGXX). Treasury features are included with Ramp platform plans (Free/Plus/Enterprise). Free wires and same-day ACH via Bill Pay; DACAs and letters of credit are listed under Treasury on the pricing page.
Implementation
Support
Email · Cat · Phone
Time zones: 24/7 chat across plans; real human support 24/7 (platform claim). Priority 24/7 global support and dedicated CSM for Enterprise.
Support email listed for integrations; travel bookings have 24/7 phone support on Plus/Enterprise.
Integrations
QuickBooks Online
OtherQuickBooks Desktop
OtherNetSuite
OtherXero
OtherSage Intacct
OtherAcumatica
OtherZoho Books
OtherMicrosoft Dynamics Business Central
OtherMicrosoft Dynamics Finance and Operations
Other