Add or change a personal bank account

Overview

If your business pays reimbursements through Ramp, connect a personal bank account to receive those payments. US-based employees can also use this account for repayments of accidental charges.

Ramp supports automatic and manual connections to US-based accounts for ACH payments. For supported non-US accounts, enter your account details manually to receive international reimbursements. Your business may instead pay reimbursements outside Ramp or disable personal bank account linking; ask your Ramp Admin or finance team if the option is unavailable.

You can have one active personal bank account for reimbursement payments. Adding or changing the account replaces your current bank account. Ramp does not support credit cards, debit cards, or third-party money transfer accounts as personal bank accounts.

Add or change a US-based bank account

To add or change your personal bank account for reimbursements:

1. Open Banking.

2. Select Add personal bank account or Add bank account. If you already have an account connected, select Change account.

3. Use Automatic connection to select your bank and follow the prompts. If Ramp asks for a mailing address, enter your personal mailing address.

If you can't find your bank or the automatic connection fails, select Add account details to enter your bank information manually. An unverified account can receive reimbursement payments, but you must verify it before initiating an employee repayment by bank account.

Keep in mind that checking accounts will work best, and to make repayments, your bank account must be able to make payments as well as receive them.

Add or change an international bank account

To add or change your personal bank account for reimbursements:

1. Open Banking.

2. Select Add personal bank account or Add bank account. If you already have an account connected, select Change account.

3. Select Add account details.

4. Select your country, enter the required account details, and follow the prompts. Required fields vary by country. Ask your bank if you are unsure which account information to provide.

If a supported country, such as Canada, isn't listed, ask your Ramp Admin or finance team to review the reimbursement payment settings and international reimbursement limitations.

Please note: Businesses based in Nevada, and businesses in certain industries, may not be able to use international reimbursements or may require Enhanced Due Diligence (EDD). See Limitations for international reimbursements for details. Additionally, we currently do not support repayments to international bank accounts.

Removing a personal bank account

To remove your personal bank account for reimbursements:

1. Open Banking.

2. Click on the three small dots to the right and select "Remove Connection".