Brex vs Ramp: what each publishes
As of October 17, 2026, Brex takes these industries by its own published rules: AI and SaaS, with conditions; Forex and CFD, with conditions. We hold no such rule from Ramp.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | Brex | Ramp |
|---|---|---|
| AI and SaaS | With conditions | No published rule |
| Forex and CFD | With conditions | No |
| Crypto | No rule found yet | Depends on the activity |
| iGaming | No | No |
| Adult | No rule found yet | No |
| Unlicensed financial services | No | No |
| Marketplace | No | No published rule |
Where owners must live
Brex
No rule found yet
Ramp
No published rule
Rules about countries
Brex
Only companies organized and registered in the United States (e.g., C-corps, S-corps, LLCs, or LLPs) may apply for a Brex Account.
Ramp
To qualify for Ramp, your business must be: Be registered in the United States
Fees
Brex
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business account | Free to open | No monthly fees | · Source |
Ramp
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Ramp Checking Account | Free to open ('Free to open, free to maintain, no balance requirement') | None ('There is no minimum balance requirement, no account opening fee, and no fees required to maintain the Checking Account') | · Source |
Closing an account
Brex
In addition to the termination rights provided for in Section 3.9 below, Brex has the right to terminate this Platform Agreement at any time and for any reason with thirty (30) days notice to you.
Ramp
Ramp may terminate this Addendum, or suspend your Checking Account, by providing you Notice.
Licence
| Licensee | Brex | Ramp |
|---|---|---|
| Licensee | Brex LLC, a wholly owned subsidiary of Capital One, N.A. · Checking, a commercial checking account provided by Column N.A., Member FDIC (FDIC cert 58224) · cards issued by Emigrant Bank, Fifth Third Bank N.A., Airwallex (Netherlands) B.V. and Sutton Bank | Ramp Business Corporation · financial technology company, not a bank · Checking Account deposit services by First Internet Bank of Indiana, Member FDIC (FDIC cert 34607) · money transmission by Ramp Payments Corporation (NMLS 2371465; FinCEN MSB registrant) |
| Regulator | FDIC (deposit partner Column N.A.) · | FDIC (partner bank First Internet Bank of Indiana) · |