What are Ramp's global capabilities?

Ramp's enterprise platform is built for global operations, supporting spending across 190+ countries with comprehensive multi-entity and local currency capabilities.Global spending and payments:Issue corporate cards in local currencies across 40+ countries including CAD, GBP, EUR, AUD, SGD, JPY and more.Send payments to vendors in 185+ countries with free international wires when you pay through Ramp Bill Pay from a Ramp Checking Account.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.Reimburse employees in their local currency across 65+ countriesFund AP payments, card statements, and reimbursements from local bank accounts in select markets, reducing intercompany transfers and reconciliation complexityMulti-entity management:Manage multiple entities from a single Ramp account with entity-level visibility controlsSeparate statement payments and funding accounts by entityTrack transactions and reconcile spend in each entity's local currencySet budgets, approvals, and controls at the entity level while maintaining centralized oversightInternational accounting and compliance:Automatic VAT capture and multi-currency reconciliationDirect ERP integrations with Oracle Fusion Cloud, Workday, NetSuite OneWorld and Sage Intacct and moreReal-time reporting across all entities and currencies without manual conversions

5,500+^* teams chose Ramp over Brex.

Our product velocity, driven by customer dedication, has consistently won over 85,000 companies. Yours could be next.

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Just some of the industry leaders that chose Ramp over Brex.

Projections lie. Numbers don't.

Ramp over the past
three years

2023

• 150+ releases including Ramp Intelligence and Ramp Procurement

• 2x revenue growth

• 15,000+ customers

2024

• 30,000+ customers with 1M+ users

• Raised a series D-2 round

• 200+ releases to date including Ramp Travel

2025

• 300+ new AI innovations, including Policy & AP agents

• Local card issuing in 40+ countries

• Launched Ramp Banking

Here’s why businesses choose Ramp over Brex.

Business Checking^* built for ease, speed, and safety.

Instant payments, full liquidity, FDIC protection², and 2% APY¹ on your operating balance.

Explore business checking

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.

Easiest procure-to-pay

Ramp customers can intake with AI, orchestrate procurement, and 3-way match within NetSuite while processing AP in minutes.

Try Ramp Procurement

ERP depth determines month-end velocity.

Ramp syncs NetSuite, Sage, and Oracle Fusion Cloud in real-time with multi-entity support and custom field mapping. Brex defaults to journal entries—customers manually download CSVs for transaction-level detail

Accelerate month-end close

“Ramp gives us one structured intake, one set of guardrails, and clean data end‑to‑end — that’s how we save 20 hours/month and buy back days at close.”

David Eckstein

CFO, Vanta

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Whether you’re building your business, expanding internationally, or cutting costs, Ramp just works.

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Up to

more out-of-policy spend capturedᵃ

Up to

85%

transaction reviews automatedᵇ

Up to

99%

policy enforcement accuracyᶜ

Webflow

“Our finance team and employees alike love Ramp for its ease of use, spend visibility, and excellent customer service. Its modern spend controls help us all take accountability for the operating efficiency of the company.”

- Ivan Makarov, Former VP of Finance

How switching to Ramp helped Webflow grow

Piñata

“Switching from Brex to Ramp wasn't just a platform swap—it was a strategic upgrade that aligned with our mission to be agile, efficient, and financially savvy.”

- Lily Liu, CEO

How Piñata halved its workload moving from Brex

Snapdocs

“We no longer have to comb through expense records for the whole month—having everything in one spot has been really convenient. Ramp's made things more streamlined and easy for us to stay on top of. It's been a night and day difference.”

- Fahem Islam, Senior Accountant

Why Snapdocs closed the books on Brex

Abode

“You can control all the different parameters of cards you issue to folks. It assuages a lot of the concern around spend transparency in a fast-moving company, because all kinds of guardrails have been put in place.”

- Tyler Bliha, CEO

The founder who knew Brex well enough to choose Ramp

Expect more from your financial operations platform.

Physical & Virtual Cards

Reimbursements

In-app travel

AI-generated memos with proactive reminders; 95% receipt compliance

Basic attachment functionality; ~70% compliance

Real-time transaction sync with NetSuite, Sage, Acumatica & Oracle Fusion Cloud; multi-entity support with custom field mapping

Journal entry default; customers download CSVs for transaction detail; multi-entity limitations

User satisfaction NPS of 58-59 (9-month high of 59 in Jan 2025); 4.8/5 G2 rating

~15 NPS (below SaaS "good" benchmark of 30); user complaints on login issues and UX friction

50+ AI-driven audit flags; category/merchant-level controls; blocks 3.5-8.8% of out-of-policy spend at swipe

Single-layer approval workflows; post-transaction notifications; limited pre-spend controls

60% of invoices auto-created; three-way PO matching; native procurement with vendor intelligence

Bill-by-bill payment; one-way vendor sync; requires add-ons for procurement (6 figure+ additional licensing)

Prioritizing speed?
Ramp is built for you.

Ramp is the preferred choice for modern finance teams.

Ramp’s AI does the work for you.

Let Ramp do your expenses, get you the best price on software, and speed up your month-end.

Discover Ramp Intelligence

Procure it all, and pay in one place.

Ensure every bill is recorded, approved, and paid without any data entry. Intake to pay is now 3x faster.

Explore Ramp Bill Pay

Automate global finance in local currency.

Manage spend in local currencies, pay vendors globally, and automate local tax tracking anywhere your team operates.

Discover Ramp’s international capabilities

Put your operating cash to work.

Pay instantly from a Checking Account* with 2% APY¹ while reserve cash earns up to 4.66%⁶ in an Investment Account†.

* 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.

Compare banking

Ramp

Brex

Monthly fee and minimum balance, checking

$0, no minimum

Interest on checking

2% APY¹ on eligible Checking Account funds

No yield on uninvested cash. Yield is offered through Brex Treasury, an investment account.

Same-day ACH and domestic wires

Free and unlimited⁴

Free and unlimited from Brex checking

International wires

Free⁴

Free, incoming and outgoing. The recipient's bank may charge a fee.

FDIC coverage above $250,000 (Checking Account only)

Coverage of hundreds of millions of dollars through IntraFi's ICS network²

$250,000 on checking at Column N.A.; up to $6M for funds you move to Brex Vault, through program banks

Separate investment account for reserve cash

Ramp Investment Account†, yield up to 4.66%⁶, from a $1,000 total position. Strategies hold government and short-term prime money market funds, U.S. Treasuries, or investment-grade corporate bonds.

Brex Treasury, no minimum. Invests in a government money market fund (BNY Dreyfus Government Cash Management Fund).

Ramp Checking Account deposits are eligible for FDIC coverage of hundreds of millions of dollars through IntraFi's ICS network², subject to pass-through conditions.

† The Investment Account is an advisory account offered by Ramp Advisory LLC. Portfolios are constructed and managed by Moment Advisors, LLC as subadviser. Brokerage execution and custody are provided by Apex Clearing Corporation, member FINRA, SIPC. The Investment Account is not insured by the FDIC, not a deposit product, and may lose value.

FAQ

Capital One announced on April 7, 2026 that it had completed its acquisition of Brex. Ramp is independent. Cards, expense management, bill pay, procurement, travel, and banking all run on Ramp's own platform, and Ramp Checking Account deposits are held at First Internet Bank of Indiana, Member FDIC.

Independent finance platforms are typically built to help companies save money, control spend, and operate efficiently, without broader banking priorities influencing product decisions. For teams that value flexibility, transparent pricing, and customer-driven roadmaps, independence can be an important long-term consideration.

The Ramp Checking Account pays 2% APY¹ on eligible funds with no monthly fee and no minimum balance. Brex pays no yield on uninvested cash, according to its rates and fees schedule. Its yield product is Brex Treasury, an investment account that invests in a government money market fund.

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. Brex checking is provided by Column N.A., Member FDIC, and Brex Treasury and Vault are provided by Brex Treasury LLC, a broker-dealer and member of SIPC.

Ramp Checking Account deposits are eligible for FDIC coverage of hundreds of millions of dollars through IntraFi's ICS network², subject to pass-through conditions. Brex checking at Column N.A. carries standard FDIC coverage up to $250,000, and funds you move to Brex Vault can get up to $6M through its program banks. FDIC insurance does not cover the Ramp Investment Account or Brex Treasury.

Yes. You can connect an existing account to fund Ramp Bill Pay and card payments, then open a Ramp Checking Account when you're ready. Paying from a Ramp Checking Account makes ACH, domestic wires, and international wires free through Bill Pay⁴.

Switching business credit cards is typically straightforward. Companies can apply for a new provider and migrate spend incrementally to avoid operational downtime. This allows teams to test new workflows before a full cutover. Ramp can approve applications within 48 hours, enabling a fast transition—and in 2024, 98.51% of businesses that adopted Ramp chose to stay.

Yes. Ramp's spend management platform is trusted by private multinationals and over 330+ publicly traded companies, including Visa, CBRE, and Shopify, to manage expense programs, vendor payments, procurement, and corporate card spend at scale.

Ramp is purpose-built for complex organizations and offers multi-entity support, customizable approval workflows, granular roles and permissions, real-time spend controls, and deep ERP integrations with Oracle Fusion Cloud, Workday, and more. These capabilities help finance teams improve compliance, reduce overhead, and eliminate wasteful spend, with AI agents continuously reviewing transactions, enforcing policies, and surfacing issues in real time.

Ramp's enterprise platform is built for global operations, supporting spending across 190+ countries with comprehensive multi-entity and local currency capabilities.

Global spending and payments:

Issue corporate cards in local currencies across 40+ countries including CAD, GBP, EUR, AUD, SGD, JPY and more.
Send payments to vendors in 185+ countries with free international wires when you pay through Ramp Bill Pay from a Ramp Checking Account.
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.
Reimburse employees in their local currency across 65+ countries
Fund AP payments, card statements, and reimbursements from local bank accounts in select markets, reducing intercompany transfers and reconciliation complexity

Multi-entity management:

Manage multiple entities from a single Ramp account with entity-level visibility controls
Separate statement payments and funding accounts by entity
Track transactions and reconcile spend in each entity's local currency
Set budgets, approvals, and controls at the entity level while maintaining centralized oversight

International accounting and compliance:

Automatic VAT capture and multi-currency reconciliation
Direct ERP integrations with Oracle Fusion Cloud, Workday, NetSuite OneWorld and Sage Intacct and more
Real-time reporting across all entities and currencies without manual conversions

5,500+^* teams chose Ramp over Brex.

Projections lie. Numbers don't.

Ramp over the past
three years

Here’s why businesses choose Ramp over Brex.

Business Checking^* built for ease, speed, and safety.

Easiest procure-to-pay

ERP depth determines month-end velocity.

Get started in minutes.

Expect more from your financial operations platform.

Prioritizing speed?
Ramp is built for you.

Ramp’s AI does the work for you.

Procure it all, and pay in one place.

Automate global finance in local currency.

Put your operating cash to work.

Compare banking

FAQ

Time is money. Save both.

Time is money. Save both.

Time is money. Save both.

5,500+* teams chose Ramp over Brex.

Projections lie. Numbers don't.

Ramp over the past three years

Here’s why businesses choose Ramp over Brex.

Business Checking* built for ease, speed, and safety.

Easiest procure-to-pay

ERP depth determines month-end velocity.

Get started in minutes.

Expect more from your financial operations platform.

Prioritizing speed? Ramp is built for you.

Ramp’s AI does the work for you.

Procure it all, and pay in one place.

Automate global finance in local currency.

Put your operating cash to work.

Compare banking

FAQ

Brex is now part of Capital One. How is Ramp different?

What should companies consider when choosing between an independent platform and a bank-owned one?

Does Ramp pay interest on checking? Does Brex?

Are Ramp and Brex banks?

How does FDIC coverage at Ramp compare to Brex?

Can I pay bills from Ramp while I still bank with Brex?

How do I switch to a different business credit card?

Is Ramp built for enterprises?

What are Ramp's global capabilities?

Time is money. Save both.

Time is money. Save both.

Brex is now part of Capital One. How is Ramp different?

What should companies consider when choosing between an independent platform and a bank-owned one?

Does Ramp pay interest on checking? Does Brex?

Are Ramp and Brex banks?

How does FDIC coverage at Ramp compare to Brex?

Can I pay bills from Ramp while I still bank with Brex?

How do I switch to a different business credit card?

Is Ramp built for enterprises?

What are Ramp's global capabilities?

Time is money. Save both.

5,500+^* teams chose Ramp over Brex.

Ramp over the past
three years

Business Checking^* built for ease, speed, and safety.

Prioritizing speed?
Ramp is built for you.