Ramp Investment Account
A smarter investment account for idle business cash.
Higher yield than money markets. Professionally managed. Fully automated.
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Up to 4.21% yield rate. 30bps higher than MMFs, professionally managed by Moment for optimal returns.
speed
Same-day settlement. Full liquidity within 2 days. Access your funds when you need them.
auto_mode
Zero manual rebalancing. Set it and forget it.
Expert cash management, now built for everyone.
Access the same fixed-income securities that power institutional portfolios: U.S. Treasuries, investment-grade bonds, and money markets.
Investment types
Short-term strategy
Long-term strategy
Goal and use cases
Operating cash for near-term expenses, payroll, vendor payments, or funds that may need to move in the coming months
Reserve cash for strategic opportunities or funds beyond operating needs that can stay invested to attain higher yield through longer duration and asset diversification
Timeline
0-12 months
12+ months
Securities
Money market funds
- Money market funds
- U.S. Treasuries
- Agency bonds
- Certificates of deposit
- Investment-grade corporates*
Set your strategy once. We handle the rest.
Behind the scenes, your Investment Account is powered by a professionally managed portfolio that automatically reinvests, rebalances, and adapts as markets change.
Liquid when you need it. Working when you don't.
Short-term investments stay liquid. Long-term earns more. Both optimize automatically.
Short-term same-day settlement
Short-term funds settle same-day. Cash moves automatically to your Checking Account within 24 hours.
Optimized long-term liquidation
Large withdrawals liquidate strategically from your long-term strategy, optimizing which bonds to sell and when.
All your cash. Optimized in platform.
From daily spend to long-term reserves—monitor and move money across all accounts without leaving Ramp.
Learn moreHow investment fits into Ramp Business Banking.
The Ramp Investment Account completes your banking setup — putting excess cash to work automatically while staying connected to your operating funds for fast access when you need it.
Operating Cash
Ramp Checking Account
The Ramp Checking Account is the foundation of your banking experience — fully liquid, FDIC-insured, and built for day-to-day cash, payments, and spend, with excess funds flowing seamlessly into investments.
Full-stop solution
Business Banking
Two accounts. One unified way to manage your money. See how your cash and investments work together.
Explore Business Banking