Employee reimbursements for international businesses

Overview

Available on Ramp Enterprise. See Ramp Enterprise overview for plan details.

Note: This feature supports Sage Intacct, NetSuite, and Universal CSV integrations only. Other ERPs are not supported. To opt in, contact your Account Manager.

If your business operates an international entity, you can fund employee reimbursements directly from a local-currency bank account — avoiding FX fees and the need to wire funds from your US parent to your local entity every pay cycle.

This article covers reimbursements funded from an international entity's local bank account. If you're a US-headquartered business reimbursing employees abroad from a USD account, see International reimbursements instead.

Supported currencies

Locally-funded reimbursements are available in:

CAD — Canadian Dollar
GBP — British Pound
EUR — Euro
AUD — Australian Dollar
SGD — Singapore Dollar
JPY — Japanese Yen
MXN — Mexican Peso
BRL — Brazilian Real
ZAR — South African Rand
INR — Indian Rupee

Each currency requires a connected bank account in the matching country. CAD reimbursements have a dedicated setup guide — see Employee reimbursements for Canadian businesses. INR reimbursements have additional setup steps — see Indian Rupee (INR) reimbursements.

How can your business benefit?

Eliminate inter-company transfers

By paying employees directly from your local bank account, you avoid funding your local entity from your US parent each pay cycle. This simplifies cash management and reduces audit complexity for multi-entity businesses.

Avoid FX fees on same-currency reimbursements

Funding reimbursements from a local-currency bank account means no currency conversion when the reimbursement is in the same currency as the funding account.

How does it work?

Setup is two steps:

Add and verify your local bank account at Settings > Company settings > Financial accounts . The account must be verified before it's available for reimbursements — see International bank connections overview for the linking flow.
Assign the account to your entity at Settings > Entities > [your entity] > Reimbursements card > Settings > Payment . Once assigned, employee reimbursements that match the entity's currency are paid directly from that account.

Some currencies require Account Manager enablement first. If you see "Contact support to get access," reach out to your AM.

Do locally-funded reimbursement payments sync to my accounting provider?

Not entirely. While individual employee reimbursements will sync to your ERP (e.g., Sage, NetSuite, UCSV) as open bills, the statement payment that settles those reimbursements does not sync. To reconcile, customers must:

Create a manual journal entry in their ERP at the end of the month to reflect the consolidated reimbursement statement payment.
Use that entry to close out all synced open reimbursement bills.

How should I reconcile GBP/EUR locally-funded reimbursements?

For reimbursements paid in GBP or EUR, we recommend using a "Default Vendor" setup. This ensures all same-currency reimbursements can be grouped under one manually recorded payment. At the month's end, record a manual payment in your ERP for the total reimbursement statement, then select all related GBP/EUR bills to close them out. This process is currently not automated and must be done manually.

Frequently asked questions

Are there industry or location restrictions?

Yes. International reimbursements have industry and state restrictions. See Limitations for international reimbursements.

Does Ramp also pay our card statement from the same local bank account?

Yes — that's a separate but related feature. See Locally-funded statement payments.