Why does Ramp require linking?

Ramp uses data from bank account linking to underwrite your business and calculate your credit limit. Bank connection allows us to make faster underwriting decisions as they provide real-time visibility to your cash balance. You will receive a higher credit limit because of this process. 

Where do I connect a new bank account?

To connect a new bank account on Ramp, navigate to Settings > Financial Accounts. From there, click "Add account" then click "Add Bank Account".

You will then be able to search for your provider and proceed to connect. If you are unable to find your provider, we recommend connecting your account manually. Click "Add manually" and follow the prompts to complete linking your account.

If you wish to use this account as a payment account as well to Ramp, please head to Settings > Payments and update your payment bank on file.

Trouble Connecting? 

Not connecting

Occasionally, bank linking will fail even when you try to connect a bank account that is listed as “covered”. If you’ve tried to link your bank account more than once and have been rerouted to this screen, please manually upload your statements instead by clicking here if you're still in the application process, or here if you are a current Ramp user. We apologize for any inconvenience. 

Accounts with OTP / MFA

Unfortunately we cannot link to accounts with an OTP or with enabled MFA. Please upload manual statements instead by clicking here.

Common questions

How does Ramp keep my information secure?

Note: Ramp will never take money directly from your account unless pre-authorized by you as part of the auto-pay agreement or if you miss a payment deadline. In those situations, we will contact you before withdrawing any funds.