Ramp review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ramp is a debit card account for companies, built for spending across from 40 currencies from one balance and paying a monthly fee of $0. It suits companies that want one card for everyday spend and travel, and it is not built for personal money.
Key facts
- Best for
- A company card spending from a single from 40 currency balance, with cashback on card 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
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- A balance covering from 40 currencies, spent from one debit card on visa.
- Features listed for the account are multi currency, virtual card and travel, so travel and online subscription spend are covered.
- Support runs on email, chat and phone, including phone help for card questions.
Cons
- Ramp is built for business customers in the US, so personal spend is not what the account is set up for.
- The card is debit on visa, so there is no second network or card type behind the same balance.
Who it suits
- Companies that want one debit card to pay suppliers and staff across from 40 currencies.
- Businesses with travel and subscription costs, since multi currency, virtual card and travel covers virtual card and travel use.
- Teams that want written and phone help, with support running on email, chat and phone.
Who should look elsewhere
- Personal spending rather than company spend, where Monzo Flex at a monthly fee of £0 is the personal account in the group.
- A personal multi-currency setup instead of a company card, where Wise lists a monthly fee of £0.
- A euro-priced card outside the US, where Bitpanda lists a monthly fee of €0.
How Ramp compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.6
9.0 vs 9.0
9.0 vs 9.1Bitpanda lists a monthly fee of €0, a euro-priced option for readers who want a card and crypto buying in one place.
9.0 vs 8.9
9.0 vs 8.1
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
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 a Ramp account cost each month?+
Ramp charges a monthly fee of $0 on its debit card, and the account pays cashback of 5% on spending. The card runs on visa, so it draws on the company balance like an everyday debit card rather than a prepaid balance.
What card does Ramp issue and what comes with it?+
The card is debit and runs on visa. Features for the account are multi currency, virtual card and travel, covering a multi-currency balance, a virtual card for online payments and travel spending, so one balance covers most company outlays.
Who can open a Ramp account?+
Ramp is for business customers and is based in the US, operating as Ramp Business Corporation. The account is built around company spending, so a reader after a personal current account should compare the personal options instead.
How many currencies can I hold with Ramp?+
The Ramp balance covers from 40 currencies held together, so a company can pay a supplier in their currency without moving money between accounts. Spending runs through a debit card on visa, and the balance belongs to a business account.
What support can I get from Ramp?+
Support runs on email, chat and phone, so a business can call, chat, email or read the help centre. Phone help matters for a debit card spending company money across from 40 currencies, where an urgent card question needs a person.
How does Ramp compare with personal card accounts?+
The personal options list their own monthly fees: Monzo Flex charges £0, Wise charges £0 and Bitpanda charges €0. Ramp is the business account among them, with cashback of 5% on a visa debit card.
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/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: Card type, Features, Headquarters, Legal entity, Monthly fee, Support channels
“Corporate liability charge card; The Ramp Visa Business Card is issued in the U.S. by Lead Bank, Member FDIC”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Ramp
A company card spending from a single from 40 currency balance, with cashback on card spending.