Why Ramp Doesn’t Offer a Traditional Bank Feed for Credit Card Activity

Summary

Ramp doesn’t provide a traditional bank feed because:

• Eligible transactions can sync directly after required accounting fields are complete and the transactions are marked ready. Automatic sync is an optional overnight setting.
• Some integrations use CSV exports instead of direct transaction sync, and reconciliation may require manual matching.
• Adding a bank feed would create duplicate entries and more work.
• When your provider supports reconciliation, Ramp compares Ramp Card activity with the card liability account in your accounting system.

This approach saves time, reduces errors, and keeps your accounting clean and accurate.

Context

Ramp doesn't provide a bank feed for Ramp Card activity. When your accounting integration supports direct transaction sync, Ramp creates detailed, categorized card transactions in your accounting system. Some integrations use CSV exports instead.

Only transactions that are marked ready and meet required accounting fields and sync requirements can sync directly. Depending on your setup, you can review and sync transactions manually or enable overnight automatic sync for marked-ready transactions. Reconciliation can still require review or manual matching. If Ramp offered a traditional bank feed, it would only duplicate data and create extra work—forcing you to reconcile Ramp-created transactions against a feed also generated by Ramp.

Ramp Card reconciliation compares Ramp activity with transactions and balances imported from the card liability account in your accounting system, not from your linked funding bank account.

Card transaction sync and statement payment sync are separate features. Statement payment sync is not supported by every accounting integration and, when supported, is reviewed and submitted separately.

Reconciliation includes card spend and statement payments as separate totals. It does not link one statement payment to each related card transaction.