Skip to content
banxta

Ramp

Ramp: Depends on the activity: Crypto. Last verified October 17, 2026.

Licensee
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 (partner bank First Internet Bank of Indiana) ·

Where it takes companies from

Its own list of countries, quoted below with its source and date

Products it publishes

International payments and FXSays it offers this

With Ramp, you have the ability to pay your international vendors in USD and in foreign currency using Ramp Bill Pay.

Ramp · International payments and FX · Offers it · · SourceConditions: outgoing through Ramp Bill Pay; not for Nevada-based businesses, crypto companies, money services businesses and some other industries

Send payments to 185+ countries, with free unlimited international wires with Ramp Banking.

Ramp · International payments and FX · Offers it · · Source
Company cardsSays it offers this

The Ramp Visa Corporate Card is issued in the U.S. by Celtic Bank, and to U.S. corporations operating globally by Column N.A., Member FDIC, and is subject to credit approval.

Ramp · Company cards · Offers it · · Source

Issue unlimited physical and virtual cards with individual limits.

Ramp · Company cards · Offers it · · Source

Does not say it offers: Accepting card payments, Bulk payouts, Virtual accounts for your customers, Crypto on- and off-ramp, Safeguarding account, Client money account, Escrow

As its own pages say it, each quote with the date we read it. A product it does not mention is never shown as one it does not offer.

Currencies it holds

Holds USDa balance; account details of its own on the local payment system

For USD-funded Bill Pay, these limitations apply when the payment is being sent internationally.

Ramp · USD · · SourceThis quote speaks to: a balance

Get paid directly into your Ramp Checking Account via ACH, wire, or real-time payments.

Ramp · USD · · SourceThis quote speaks to: account details

Create dedicated account and routing numbers to add controls when you need it.

Ramp · USD · · SourceThis quote speaks to: account details

Does not say it holds: CAD, SGD, HKD, AUD

Only currencies its own pages name, each quote with the date we read it. A currency it does not mention is never shown as one it does not hold.

Policy by industry

Ramp: published policy by industry
IndustryStatusChecked
CryptoDepends on the activity
iGamingNo
AdultNo
Unlicensed financial servicesNo
Forex and CFDNo

No published rule (read in full on October 16, 2026): AI and SaaS, Marketplace

Has this rule changed? Tell us

Alternatives to Ramp

Fees

Ramp: published fees
PlanAccount openingMonthlyChecked
Ramp Checking AccountFree 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

Fees of every provider

Closing an account

Ramp may terminate this Addendum, or suspend your Checking Account, by providing you Notice.

Notice before closing · · Source

Before filing any claim against the other (whether in court or arbitration), Company and Ramp agree to try to first resolve the Dispute informally. … If Company is the Notifying Party, Company will notify Ramp by email addressed to legal@ramp.com.

Complaints and where to go next · · Source

Account closed or frozen? What Ramp’s terms say

Rules about countries

To qualify for Ramp, your business must be: Be registered in the United States

Ramp · Takes companies registered in · · Source

United States

What we read

Rules on owners and directors
Read · support.ramp.com/applying-and-signing-u…