A smarter company card for modern finance.

Corporate cards let employees spend on behalf of the business without paying out of pocket and waiting for reimbursement. The company carries the liability, not the individual, which means employees' personal credit scores stay unaffected. For finance teams, corporate cards provide real-time visibility into who is spending what, with the ability to set limits by employee, department, or category. Ramp gives UK businesses GBP corporate cards with built-in spend controls, automatic receipt capture, and policy enforcement — with every transaction syncing directly to your accounting software.

Yes. Ramp issues UK businesses both physical GBP cards with chip and contactless and virtual GBP cards. Virtual cards are useful for managing online subscriptions, software, and vendor payments — you can issue a unique virtual card per vendor or per project with its own spending limit. Physical cards work for in-person purchases like travel, meals, and office supplies. Both card types feed into the same dashboard with the same controls and reporting.

When an employee uses their Ramp card and submits a receipt, Ramp reads the receipt using OCR, identifies the VAT amount, and maps it to the correct tax code in your accounting software. This works with Xero, QuickBooks Online, NetSuite, Sage Intacct, and Microsoft Business Central. Instead of manually coding VAT at month-end, UK finance teams get transactions coded in real time. Ramp captures and codes VAT — it doesn't file or reclaim VAT on your behalf.

Ramp is built for UK-headquartered businesses that primarily spend in GBP. You'll need a UK-registered entity and a finance workflow that runs on a supported accounting system. Cards are underwritten on the business, so there's no personal guarantee required.