Ramp Pricing 2026: Free Card, Plus at $15 a User, and the Bill Pay Fees Since June
Ramp, the corporate card and spend platform (not the pricing structure of the same name), costs $0 on its Free plan and $15 per user a month on Plus, plus a "platform fee based on team size" that Ramp does not publish anywhere we could read. Free is enough for most pre-seed and seed SaaS companies with a US entity and at least $25,000 in a linked US bank account. Two things the pricing page does not tell you: since June 1, 2026 Ramp charges $0.59 per ACH bill and $15 per domestic wire when you pay from an outside bank (free only from Ramp Checking), and Ramp no longer prints a cashback rate. The "1.5%" on most review sites is not Ramp's figure.
Ramp's published prices
| Plan | Price (monthly / billed yearly) | For / limits |
|---|---|---|
| Free | $0/mo/user | Smaller teams: corporate card, expense management, bill pay, reimbursements, QuickBooks Online and Xero; Unlimited physical and virtual cards. US entity (corporation, LLC or LP), EIN, US physical address and at least $25,000 in a linked US business bank account required |
| Plus | $15/mo/user + platform fee based on team size; save 20% with annual billing | AI review and coding, NetSuite / Sage Intacct and other ERPs, multi-entity, custom roles, global coverage |
| Enterprise | Custom, annual billing | Local card issuing in 30+ countries, Workday / Oracle, dedicated account manager, implementation services |
| Add-on: 1099 filing | $0.65 per IRS filing; state filing free | Pricing page compare table: '$.65 per IRS filing. Free state filing.' |
| Add-on: Bill Pay fees when paying from an external bank account | Standard ACH $0.59; same-day ACH $10; domestic wire $15; international wire (SWIFT USD) $20; standard check $1.99; overnight check $20 | support.ramp.com/bill-pay-fees, read 2026-10-13. ACH and check fees effective June 1, 2026 (3-month grace for customers active before May 1, 2026). Waived for standard ACH, check, same-day ACH, domestic wires and SWIFT when paying from a Ramp Checking Account; overnight check and check attachments still charged. |
| Add-on: Card foreign transaction margin | Up to 3% (margin on the issuer / Visa rate) | support.ramp.com/foreign-transaction-fees: 'Ramp typically includes a margin on the exchange rate selected by the issuer or card network. This margin will not exceed 3%.' Foreign and non-USD transactions do not earn rewards (Rewards Terms). |
| Add-on: International bill payments and reimbursements in local currency | FX margin, not published | 'Ramp may include a margin on foreign exchange'; admins see the current margin in-product. |
| Add-on: Card cashback | Rate not published by Ramp (third-party reviews: up to 1.5%) | Rewards Terms: points accrue 'at a rate and in an amount determined by Ramp'; excludes foreign and non-USD transactions, cash equivalents, fees; requires a linked account and full, on-time payment; can be changed or eliminated at any time. Redeem to statement, Ramp fees, travel points or Ramp Checking (USD only), not to an outside bank. |
| Add-on: Ramp Checking Account yield | 2% APY, as of 10/13/2026 (variable) | Deposit account at First Internet Bank of Indiana, Member FDIC; no fees or minimums; FDIC coverage 'up to tens of millions of dollars per depositor' via IntraFi ICS (pass-through, conditions apply). |
| Add-on: Ramp Investment Account (managed) | Up to 4.62% YTM (hypothetical $10M, as of 09/03/2026 on ramp.com/business-banking); advisory fee up to 0.15%/yr from November 1, 2026 | Ramp Advisory LLC (SEC RIA) with Moment Advisors as subadviser, custody Apex Clearing (SIPC, not FDIC). Yield = 1-day SEC yield for funds and YTM for bonds, 'net of an advisory fee of up to 0.15%' (business-banking page) but the pricing page says 'YTM excludes fees'. $5,000 minimum position; $50,000 minimum short-term cash target since March 2026. Introductory fee waiver ends October 31, 2026. |
Prices verified on ramp.com/pricing on October 13, 2026.
Plus is billed per active user, including the Auditor role; pending, deactivated, Guest and accounting-firm users are free (Plus billing policy). Annual billing "saves 20%"; Ramp does not print the annual per-user figure, and $12 is only our arithmetic on $15. Plus has a 30-day free trial, fees are non-refundable, and you can pay them with card cashback. Plans are on the Ramp pricing page.
What Ramp costs at pre-seed, seed and Series A
| Stage | Ramp Plus seats (before platform fee) | Wires and SWIFT from Ramp Checking | Same, paid from an outside bank | Card FX at the 3% ceiling | FX on non-USD payments | Cashback | Yield: Ramp Checking 2% APY |
|---|---|---|---|---|---|---|---|
| Pre-seed | $540 | $0 | $600 | $144 | not published | not published | $10,000 |
| Seed | $1,800 | $0 | $2,040 | $720 | not published | not published | $60,000 |
| Series A | $5,400 | $0 | $5,580 | $4,320 | not published | not published | $240,000 |
Per year. The activity profile is our assumption: pre-seed $500K cash, 2 domestic wires and 1 non-USD payment of $3K a month, $4K card spend (10% non-USD), 3 users; seed $3M, 6 wires, 4 payments of $6K, $20K card spend, 10 users; Series A $12M, 15 wires, 12 payments of $10K, $80K card spend (15% non-USD), 30 users. Free plan costs $0 at every stage. Outside-bank column uses $15 per domestic wire and $20 per SWIFT USD payment; $0.59 ACH bill fees come on top. Yield: Ramp Checking 2% APY as of 10/13/2026, a deposit at First Internet Bank of Indiana, on all cash. Computed with our banking cost calculator.
Fees are small next to what your cash earns. On Free, the only published fee our startup pays is card FX on foreign spend: $144 to $4,320 a year. The yield column is the swing line, and it depends on the product. Ramp Checking pays 2% APY and is a bank deposit with FDIC coverage "up to tens of millions of dollars per depositor" through IntraFi's ICS sweep, pass-through conditions apply. Ramp's "Earn 4.62%" Investment Account is a different thing: a managed bond and fund portfolio (SIPC, not FDIC, "may lose value") whose figure is a yield to maturity on a hypothetical $10M, shown "as of 09/03/2026" and "net of an advisory fee of up to 0.15%" on one Ramp page, and "as of today" with "YTM excludes fees" in the pricing page footnote. Do not compare it with a money market fund yield. The advisory fee waiver ends October 31, 2026. Run your own numbers.
What each plan changes in cost
- Free: unlimited cards, bill pay by ACH, card, check and wire, reimbursements, QuickBooks Online and Xero. Ramp's help center says there are no card replacement fees, late fees or interest on the card.
- Plus: NetSuite and Sage Intacct, multi-entity, custom roles, "Global Coverage". This is the tier where the unpublished platform fee applies. The fee was added between November 15 and December 13, 2024 (Wayback), months after Plus went from $12 to $15 per user (between May 21 and June 27, 2024).
- Enterprise: custom, annual billing, local card issuing in 30+ countries.
- Add-ons: 1099 filing at $0.65 per IRS filing (state filing free). Accounts Receivable and Procurement add-ons have no published price.
Hidden costs and conditions
- Bill Pay from an outside bank (Ramp help center): standard ACH $0.59 and standard check $1.99, "effective June 1, 2026, with a 3-month grace period" for existing customers; same-day ACH $10; domestic wire $15; SWIFT USD $20; overnight check $20. Waived from Ramp Checking except overnight checks and check attachments. The pricing page still says "Free wires and same-day ACH via Bill Pay", which is true only if you bank with Ramp.
- Card FX: "This margin will not exceed 3%." Older Ramp blog posts described the card as having no foreign transaction fees; the current help center is the one we use.
- Rewards on foreign spend: the Rewards Terms exclude "foreign and non-USD transactions", so a foreign SaaS or ad bill pays up to 3% and earns nothing. Points accrue "at a rate and in an amount determined by Ramp", require on-time payment in full, and "are subject to changes, including elimination, at any time". Cashback can be redeemed into Ramp Checking but "cannot be redeemed into a bank account". The help center says cashback "will not expire"; the terms say unredeemed rewards are lost if you close the account.
- FX on international bill payments: "Ramp may include a margin on foreign exchange", visible to admins in-product only.
- Your vendors may pay: payees can pay for faster payout. One Trustpilot reviewer wrote "Paid the unnecessary 1% fee to receive my money within 24h." (Jordan Sweidan, July 10, 2026, Trustpilot). Ramp does not publish that fee on the pages we read.
Who can sign up
Ramp's eligibility article asks for a corporation, LLC or LP (no sole proprietors), an EIN, a US physical address (not a virtual or registered agent address), most operations and spending in the US, and "at least $25,000 in cash in any US business bank account linked to your application". That minimum was $75,000 until 2024 (last seen March 4, 2024; $25,000 by October 14, 2024); some review sites still print $75,000. Owners without an SSN can apply with a foreign passport. No personal guarantee; limits are set from linked cash or revenue.
Ramp is not a bank. Its cards are issued by Celtic Bank, Column N.A., Sutton Bank and Lead Bank, depending on the card.
Not hands-on tested yet: we have not opened an account with Ramp, which requires a US company and identity checks. Fees and rates come from Ramp's published pricing page, fee schedule and help center, read on October 13, 2026.
Alternatives at a glance
- Brex: Essentials $0, Premium $12 per user, points worth 0.6 cent each in cash, treasury in a money market fund. See Brex pricing and Ramp vs Brex.
- Mercury: a business account first, with a card on top. See Mercury pricing.
- BILL Spend & Expense, Airwallex, Expensify: compared in Ramp alternatives.
Frequently asked questions
Is Ramp really free?
The card and Free plan cost $0 per user. You pay when you add Plus ($15 per user plus a platform fee), pay bills or wires from a bank other than Ramp Checking, or spend in a foreign currency (up to 3%).
What is Ramp's platform fee?
Ramp charges Plus customers a "platform fee based on team size" on top of the per-user price. It does not publish the amount, so you get it from sales or in the product.
What cashback does Ramp pay?
Ramp's own pages print no rate today. Review sites say 1.5%, which we could not find on any Ramp page or in its Rewards Terms.
What are the requirements to use Ramp?
A US corporation, LLC or LP with an EIN, a US physical address, mostly US operations and at least $25,000 in a linked US business bank account.
How safe is cash in Ramp?
Ramp Checking is a deposit at First Internet Bank of Indiana spread across banks through IntraFi, with pass-through FDIC coverage. The Investment Account is a securities account: SIPC, not FDIC, and it can lose value.
Related: startup banking costs by stage, runway calculator. Idle cash yield shows up directly in your cash runway.