Investment Account

Fully automated Investment Account† built for high yield.

Get up to a 4.11%1 in a diversified fixed-income portfolio. Professionally managed for maximum yield and flexible liquidity.

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Up to 4.11%1 Broader diversification. Lower risk. Higher yield.
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Up to same-day liquidity2 Withdraw from your dashboard, no calls, no forms.
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Zero manual rebalancing Auto-rebalanced as rates change. Auto-reinvested at maturity.

Set your strategy.
Let us do the work.

Your portfolio automatically reinvests, rebalances, and adapts - maximizing yield as markets change. No manual work required.

Portfolio optimized
Investment account
4.11%
Short term
3.8%
Next day liquidity
Money market funds
$1M
$2.4M
Long term
4.2%
2 day liquidity
Money market funds, US treasuries, investment-grade corporates, CDs

Make idle money make money

Higher yield funds real things. A new hire, a new AI tool, extra runway. Enter your balance and see what you could unlock.

Professional investing. Live in minutes.

Diversified fixed income without the high minimums or a relationship manager. Quick setup, real-time visibility, full control.

Up to same-day access to your funds

Up to same-day access2 to your funds

Access cash when you need it directly from the dashboard. No phone calls, no emails, no waiting.

Actively managed, always optimized

Bonds reinvest at maturity, allocations rebalance automatically, and your portfolio adapts as rates change.

One platform > Multiple apps

Cash, cards, payments, and investments all on one platform with one easy login.

braintrust

“Having cards, accounts payable and banking in one place saves me a ton of time. I'm not juggling multiple tools to get simple finance work done, so I can spend time on the work that actually moves the business forward.”

Sarah Zeng

Chief of Staff at Braintrust

Investment Account

* Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services for the Checking account provided by First Internet Bank of Indiana, Member FDIC.

A Checking Account* built to work alongside your investments.

Your cash gets up to 4.11%1 in a diversified fixed-income portfolio. Professionally managed for maximum yield and flexible liquidity.

FAQs

Ramp Investment Account

Investment Account portfolios are diversified, investment-grade fixed-income strategies. Depending on the specific strategy, portfolios may include the following underlying assets:

  • US Treasury and Agency securities
  • Investment-grade municipal bonds
  • Investment-grade agency and mortgage-backed securities
  • Certificates of deposit, cash sweeps, time deposits
  • Investment-grade corporate bonds and commercial paper
  • Repurchase agreements and other high-quality short-term instruments
  • Money market mutual funds

Your Investment Account is protected by SIPC (up to $500,000, including $250,000 cash) in case of brokerage failure. SIPC does not protect against market losses.

You can access your short-term balance with next-business-day liquidity, with no lockups. Withdrawals above your short-term balance may require selling securities from the long-term portion and funds are typically available in 2 business days.

Your total position must be at least $5,000. This includes initial investments and ongoing balances. If your balance falls below $5,000, Ramp may liquidate the remaining balance and return the proceeds to your Ramp Business Account. After your initial investment of $5,000, you can invest more with a minimum deposit/withdrawal size of $50.

Time is money. Save both.