Ramp bank connections overview

Note: This article primarily applies to Ramp Administrators. Cardholders may find other articles in the Payments, limits, and statements section to be more applicable.

Overview

Ramp may require you to connect your business’s bank account. You can connect it directly or manually. Read more below about why we do it and how it works.

Open Banking and your Ramp Checking Account

Open Banking Accounts to see the accounts you can access. To open a Ramp Checking Account you already have, select that account in the Accounts table. Linked bank accounts use their row ⋯ menu for account actions.

Payment sources: Open Payment sources to review the accounts used for payments. You can also find Payment sources in the Accounts page ⋯ menu. Viewing this option and saving changes require the corresponding Banking and payment-source permissions; if you cannot access it, ask a Ramp Admin to review your access.

Set the display currency on the Banking page

These display settings apply to accounts shown on the Banking page, including linked external bank accounts and Ramp accounts.

Open Currency settings, or select Settings in the Accounts table toolbar. In the Settings drawer, change Default currency. This controls the currency for the headline balance and the table's converted balances. Local balance stays in each account's own currency. Changes apply when you select a value; there is no separate Save step.

The default currency and balance type are shared settings for your business, not personal preferences.

Changing these settings requires permission to manage Banking accounts. If you cannot open the drawer, ask a Ramp Admin to update the setting or review your access.

Available and current balances on the Banking page

• Current is the total ledger balance in the accounts.
• Available is the amount available to use.

In Currency settings, choose Default balance type. The selection controls the headline Total current balance or Total available balance and the primary table balance column. The other balance type is an additional table column that is hidden by default.

The headline total uses supported account filters, such as selected accounts and currencies, but does not use the table's Account status filter. It is not necessarily the sum of the rows currently shown. Ignored linked accounts are excluded. If a converted balance is missing, the account's local balance can contribute only if its currency is equivalent to the display currency. Missing account balances can instead make the headline show Balance unavailable. Do not treat a total with missing balances as a complete picture of your business's funds.

Save a view and set a default on the Banking page

On Banking Accounts or Bank transactions, adjust the table's filters, sorting, or layout, then select Save as new view and name the view. To update an editable saved view after making changes, select Options > Save changes to view. Use Save as new view instead of overwriting a built-in view.

Select Set as default on a saved view to make it your default for that table, or Remove as default to clear that preference. Accounts and Bank transactions have separate default views; this does not change which Banking page opens. Guest users cannot create or edit saved views. If the controls are unavailable, ask a Ramp Admin to review your access.

Saved views and default-view preferences are personal to you within your business. Options > Reset view restores the saved configuration without deleting the view or removing its default preference.

Banking permissions

Access to Ramp accounts and linked bank accounts is separate. Linked account balances and linked account transactions also have separate viewing permissions. Seeing a Ramp Checking Account does not by itself grant access to linked bank transactions. Ask a Ramp Admin to review your role and the View linked bank account transactions permission if linked transactions are missing. See Create and manage a Custom Role for role configuration.

Review and export bank transactions

Open Bank transactions to review activity across the accounts you can access. Filter by Date, Account, Amount, Currency, or Institution, and search Description. The download menu offers CSV and XLSX exports using the table's current filters and sorting.

If you cannot open the page, ask a Ramp Admin to review your Banking and transaction-viewing access.

If your table includes Category, users with permission to manage Banking accounts can select or clear a category in that column. These controls are not available to every business.

If a pending or scheduled Ramp Checking transfer is not shown here, open the account from Banking Accounts and check History. Its Status filter includes Scheduled and In progress. Use the account's transfer details for available actions rather than assuming every transfer can be canceled. See Cancel an ACH deposit for cancellation conditions.

Bank connections

Why do we need a bank connection

Ramp uses data from your bank account to underwrite and maintain your business limit. When a customer links a business account, Ramp has access to a variety of information about the account, such as the cash balance and the transactions. It’s the best way to receive and maintain a higher credit limit. Learn more about Ramp business limits here.

How secure is it?

Our banking connection partners use bank-grade encryption to protect your data. When you connect through Plaid, your bank sign-in credentials are not accessible to Ramp. Some direct bank connections require you to provide connection credentials from your bank, such as a client ID and client secret, to Ramp.

Learn more about Ramp's security measures here.

Connecting directly

How do I connect my bank account directly?

If you’re already a Ramp customer, follow these steps to connect a bank account to your Ramp business:

1. Open Banking Accounts and select Add account > Add new connection. If the option is unavailable, ask a Ramp Admin to review your linked-account management access.
2. Search for or select your banking institution and follow the prompts to connect your account

What if my bank account uses an OTP or an MFA?

OTP and MFA do not always prevent a direct bank connection. Support depends on your bank and the available connection provider. Try the direct connection shown in Ramp. If it is unavailable or fails, use the manual bank account connection process.

What if I have trouble connecting an account from a listed banking institution?

Sometimes direct bank linking will fail even if the banking institution is listed as ‘covered’. If you’ve tried and failed to connect an account from a listed banking institution, try these tips:

1. Log on to your bank's website to confirm your credentials are working
2. Check to see that there aren't messages from your bank on your bank's website
3. If your sign-in credentials use multi-factor authentication (MFA) to log on to your bank, try connecting with an account that does not require MFA
4. Try a different browser
5. Disable the adblockers on your browser
6. If you are based within the US, please ensure all VPNs on your device are disabled

• If your IP address is based outside the US, use a VPN with a US-based IP address before attempting to reconnect

7. Check to make sure that you are selecting the correct account type for your banking institution in the Ramp search box

• Some institutions (such as Chase or Wells Fargo) have multiple account types listed on Ramp’s application

If you are still running into issues, please use the manual bank account connection process.

Connecting manually

Sometimes we require a customer to connect their bank account manually if the direct connection process doesn’t work.

How do I connect my bank account manually?

If you’re already a Ramp customer, follow these steps to connect a bank account manually to your Ramp business:

1. Open Banking Accounts and select Add account > Add new connection. If the option is unavailable, ask a Ramp Admin to review your linked-account management access.
2. Under Can't find the bank you're looking for?, select enter your account details manually
3. Enter the following details and click Link account:
   • Account type — select Checking, Savings, Money market, Brokerage, or Investment
   • Routing number — the 9-digit ABA routing number for your bank account
   • Account number and Confirm account number
4. Upload the most recent bank statement for the account you are selecting by dropping the files into the box or click on it to browse your files

• Make sure the statement includes your cash balance and verifies you own the account
• The statement must be in PDF format — screenshots won’t suffice.

5. We’ll assess the document and verify the account. If there are any issues, our Risk Operations team will contact you directly.

After linking an account manually, upload an updated bank statement when Ramp requests one. See Uploading bank statements to Ramp for the current account actions, upload access, and statement requirements.

What account types can I connect?

The account types available through a direct connection depend on your banking institution and connection provider. The manual connection form supports checking, savings, money market, brokerage, and investment accounts. All account types require a valid 9-digit ABA routing number.

Where can I find my ABA routing number?

Ramp requires a valid 9-digit routing number for a manual connection. Ask your bank which routing number applies to your account.

You can find your ABA routing number:

• On your bank’s website or mobile app, usually under account details
• On a check from the account — the routing number is the first 9 digits at the bottom left
• By contacting your bank directly

Note: Some account types, such as brokerage or investment accounts, may not display a routing number on statements. Contact your bank or brokerage to request the ACH routing number for your account.

Where can I find my bank statements?

If you’re an existing Ramp customer connecting an account manually, sign in to your business’s banking portal and look for Statements or My Documents. Download your most recent statement in PDF format. If you’re applying to Ramp, follow the application bank statement requirements instead.

Rename a bank account

You can add or update a linked bank account's nickname from its account settings.

1. Open Banking Accounts, find the linked account, and select Settings from its row ⋯ menu.
2. In Account settings, edit Account name and select Save. If you cannot open the settings, ask a Ramp Admin to review your linked-account management access.

Ignore or include a linked account in totals

From Banking Accounts, open the linked account's row ⋯ menu. If Ignore this account is offered, select it and confirm to exclude the account from linked-balance totals. The account stays visible with an Excluded from total balance indicator; this is not a way to hide its row.

To reverse this, select Include in total linked balance from the same account's menu and confirm. These actions require linked-account management access and are offered only for accounts that can count toward your business limit. Ignoring an account also excludes it from your business-limit calculation and update reminders, but does not prevent using it for payments. If the action is unavailable, ask a Ramp Admin to review the account and your access.

Verifying my bank account

Ramp may require a debit check or another form of account verification before using a bank account for card statement payments. This may happen during onboarding or when you change the payment account.

What’s the debit check process?

The debit check process is one method Ramp may use to verify a bank account for payments. Ramp sends two small deposits and one withdrawal equal to the sum of the deposits. The deposits should arrive within two business days. Once they arrive, open Banking Accounts, open the linked account's row ⋯ menu, and select Verify debit check to enter the amounts. See Verifying bank accounts for verification steps and access requirements.

Why does Ramp require debit checks?

We do this to prevent fraud and reduce the chance that a payment you make fails.

How does this affect my limit?

If your business limit is locked pending bank verification, successful verification may unlock it. Learn more about Ramp business limits.

How long does it take?

The deposits should arrive within two business days. Once they arrive, you can complete the verification.

Troubleshooting

"This bank account is already connected."

This error appears when you try to add a bank account that matches an account already linked to your Ramp business. Ramp checks account details such as account number and routing number to detect duplicates. A bank account that is disconnected or has an expired connection still counts as a linked account, so re-adding the same account details will trigger this error.

What to do:

• If the existing connection is broken or expired, reconnect it instead of adding a new account. Open Connections to review the connection, or use the account's Reconnect action in Banking Accounts. For more details, see Reconnecting your direct bank connection.
• If reconnecting is not possible, you can add a different bank account with different account details.

"Cannot delete your last verified payment source"

Ramp requires at least one bank account that can be used for card statement payments. If you try to remove the only bank account available for these payments, you will see this error. The Remove account option will be disabled for that account.

What to do:

• Add a different bank account, then select it as your Card payment source before removing the original account.

Both errors at once

In some cases, you may encounter both errors simultaneously: your only bank connection is broken, you cannot re-add it because Ramp detects it as a duplicate, and you cannot remove it because it is your only payment source available for card statement payments. This can happen when a direct bank connection expires or requires re-authentication.

What to do:

1. Try reconnecting the broken connection from Connections or the account's Reconnect action in Banking Accounts. See Reconnecting your direct bank connection for instructions.
2. If reconnecting is not possible, try adding a different bank account with different account details.
3. If neither option works, contact Ramp Support — a support agent can resolve the stuck connection on your behalf.

Debit blocks

If your bank account has a debit block or debit filter to prevent unauthorized debits/withdrawals from your account, payments on Ramp may get declined.

How do I lift a debit block from my account?

To make sure your bank lets us debit your bank account, please contact your banking representative and request to whitelist Ramps Originator IDs (also called ACH IDs). Please reference this Help Center article for the full list of Ramp's Originator IDs: How do I lift a debit block on my bank account?