Ramp Reserve Account Overview
The Ramp Reserve Account is a locked Ramp Checking Account that lets you increase your 30-day card limit by depositing funds. Once your deposit settles, your card limit increases on a 1:1 basis—no credit review required.
Funds in a Reserve Account are locked and can’t be used for spending, but they directly increase your available card limit. Each business entity can have one Reserve Account.
Example: If your base card limit is $50,000 and you deposit $100,000 into your Reserve Account, your total card limit becomes $150,000.
Who is the reserve account for?
Customers who need a higher card limit than their current approved amount, have cash available to deposit and lock, and want instant, predictable limit increases. Only customers on monthly cardare eligible. You do not need an existing Ramp Checking Account to open a Reserve Account.
How the reserve account works
Open a Reserve Account
- Go to Expenses → Card transactions or Company → Statements & payments
- Click Manage limit and select Deposit funds for limit increase
- Review the terms and continue Deposit funds
- Your card limit increases once the deposit settles
Add more funds
- Go to Banking → Overview
- Click on your Reserve Account
- Click Move money and select the Reserve Account as the destination
- Your card limit increases automatically as additional funds settle.
Withdraw funds
You can withdraw funds from your Reserve Account as long as your card spending still fits within your remaining limit.
- Go to Banking → Overview
- Open your Reserve Account
- Click Move money and select the Reserve Account as the source
- Withdraw the available amount
- Your card limit decreases immediately by the withdrawn amount. You may need to pay down your card balance before withdrawing more.
Example: If your total limit is $200,000 ($120,000 base + $80,000 Reserve) and your current card balance is $150,000, you can withdraw up to $50,000. To withdraw the full amount in Reserve, you would first need to pay down your card balance by $30,000.
Frequently asked questions
What rate do funds in a Reserve Account earn?
Reserve Account balances currently earn 2%*. Rates are subject to change based on market conditions.
How quickly does my limit increase?
Your limit increases automatically once funds settle. ACH deposits typically take 0–4 business days, while wires and RTP are usually same day.
Can I use Reserve Account funds to pay my card balance?
No. Funds in a Reserve Account are locked and can’t be used to pay card balances or bills directly.
Is there a minimum or maximum deposit?
There is no strict minimum or maximum, but deposits should meaningfully increase your limit based on your spending needs.
Can I have both a regular Ramp Checking Account and a Reserve Account?
Yes. Use a regular Ramp Checking Account for day-to-day operations and automations. Reserve Account funds are locked to increase your card limit and can't be used for automations.
Does the Reserve Account affect automated limit increases?
Reserve Account customers are placed on manual limit configuration, which means automated limit increases are not available. You can still request manual limit reviews if needed.
Does this work with multi-entity accounts?
Each entity must set up its own Reserve Account separately.
* Annual Percentage Yield (APY) on eligible funds in your Ramp Checking Account. Interest is paid by First Internet Bank of Indiana, Member FDIC. Rate is accurate as of 04/01/2026. The Interest rate and APY are variable and subject to change without notice. See the Checking Account Addendum for more information.