Ramp vs Bluevine

Why businesses choose Ramp over Bluevine

Bluevine's no-fee plan pays interest only when you hit its activity goals, on balances up to $250,000. Ramp's Checking Account* earns 2.01% Annual Percentage Yield (APY)¹ with no monthly fee, and runs your cards, bills, expenses, and accounting on one platform used by 85,000+ businesses.

* Ramp Business Corporation is a financial technology company and is not a bank. Checking Account deposit services provided by First Internet Bank of Indiana, Member FDIC.
Ramp vs Bluevine
85,000+ finance teams have saved millions of hours with Ramp.
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Top 3 reasons leaders pick Ramp over Bluevine

2.01% APY without paying for a plan

The Ramp Checking Account earns 2.01% APY¹ on eligible funds, 28x the national average³, with no monthly fee and no minimum balance. Bluevine's no-fee Standard plan pays 1.3% on balances up to $250,000, and only when you spend $500+ a month on its debit card or receive $2,500+ in payments.

Free same-day ACH and wires

Pay vendors by same-day ACH, domestic wire, or international wire from your Ramp Checking Account through Bill Pay, at no cost.⁴ Bluevine includes free standard ACH, but charges $10 per same-day ACH and $15 per outgoing domestic wire on its Standard plan.

Your cash and your spend on one platform

Corporate cards, expenses, bill pay, procurement, travel, and accounting sync all run on the same platform as your Checking Account. Bluevine has no procurement or travel.

Compare Ramp vs. Bluevine

ramp
Bluevine
Monthly fee for checking account
$0
$0 on Standard; $30 or $95 on paid plans
Interest on checking
2.01% APY¹ on eligible funds
1.3% to 3.0%, depending on plan
Minimum balance to open or hold
None
None
Free same-day ACH
✓⁴
$5 to $10 per transfer, depending on plan
Free domestic and international wires
✓⁴
$7.50 to $15 domestic, $12.50 to $25 international, depending on plan
FDIC pass-through coverage above $250,000
Coverage of hundreds of millions of dollars through IntraFi's ICS network²
Up to $3M through Coastal Community Bank and program banks
Separate investment account for reserve cash
Investment Account†, from a $1,000 total position
Bluevine Treasury: $50,000 balance on Standard or Plus; no balance requirement on Premier ($95/month plan). 0.50% management fee on Treasury balance.
Cards with per-employee spend limits
✓
✓
Built-in expense management with receipt capture
✓
Not built-in, but offered through Expensify integration
Procurement and travel
✓
✗
Bill pay
✓
✓
Accounting software integrations
✓
✓

“It's great to be able to park our operating cash in the Ramp Business Account where it earns an actual return and then also pay the bills from that account to maximize float.”

Mike Rizzo

Accounting Manager, MakeStickers

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Why choose Ramp

Ramp's Checking Account earns 2.01% APY¹ and pays every card statement, bill, and reimbursement from the same place, so your books stay in sync and your team stops moving money between tools.

$2B+

in payments processed by Ramp Banking each month

85,000+

businesses run on Ramp

7.5%+

average customer savings

FAQ

Ramp pays 2.01% APY¹ on eligible Checking Account funds with no monthly fee. Bluevine’s interest depends on the plan. Its no-fee Standard plan pays 1.3% on balances up to $250,000, in months you meet its activity requirement. Plus pays 1.75% on balances up to $250,000 and costs $30 a month. Premier pays 3.0% and costs $95 a month. Bluevine waives either fee if you meet its balance and card-spend requirements.

No. Both are financial technology companies that work with partner banks. Ramp Checking Account deposits are held at First Internet Bank of Indiana, Member FDIC. Bluevine's banking services are provided by Coastal Community Bank, Member FDIC.

Bluevine charges for same-day ACH and outgoing wires, depending on your plan. Pay from a Ramp Checking Account through Bill Pay and same-day ACH, domestic wires, and international wires are free⁴. Ramp Bill Pay also runs on the same platform as your cards, expenses, and accounting sync, so your books stay in sync.

Yes. Many businesses start by running cards and bill pay on Ramp while keeping their existing bank account, then open a Ramp Checking Account for the cash that funds those payments. You can move more over when it makes sense for you.

Sign up for Ramp, open a Checking Account online, and connect your existing account to transfer funds. Then set target-balance rules for the amount you want on hand for upcoming bills and card payments.

Time is money. Save both.