Ramp Treasury review

Ramp Treasury is a cash management account rather than a treasury management system, and that is the right frame for comparing it. A Ramp Checking Account has no minimum balance, no opening or maintenance fees and no transfer caps, and deposits receive FDIC coverage up to tens of millions of dollars per depositor through IntraFi's ICS network. Idle cash can go into an Investment Account with short-term strategies in government money market funds and long-term strategies in U.S. Treasuries and investment grade bonds, starting at a $1,000 position. An operating minimum moves money back to checking automatically, so bill runs are not missed. Because it lives inside Ramp, the same platform handles cards, bills and approvals. Ramp has a free plan, and Plus costs $15 per user per month plus a platform fee. It cannot connect to other banks for cash positioning, so a treasury team with several banking partners still needs a TMS.

Who it is for

Startups and growing companies that want yield on idle cash

Price

Free plan; Plus $15 per user per month plus a platform fee based on team size.

Plus $15/mo/user + Platform fee based on team size
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Ramp Checking Account with no minimum balance and no account fees
• FDIC coverage up to tens of millions of dollars per depositor through IntraFi's ICS service
• Operating minimum that moves funds back to checking automatically
• Investment Account with short-term and long-term strategies
• Investment positions start at $1,000

Strengths and weaknesses

• Strength: No minimum balance, opening fee or transfer caps on checking
• Strength: Sits next to Ramp cards, bill pay and expense controls
• Strength: Free Ramp plan available
• Weakness: Not a TMS: no multibank positioning or bank file connectivity
• Weakness: Investment Account is not FDIC insured
• Weakness: Plus plan adds a platform fee on top of the per-user price

Key facts

• Checking fees: None
• Minimum investment: $1,000 total position
• Deposit coverage: Tens of millions via IntraFi ICS
• Plans: Free; Plus $15 per user per month
• Bank partner: First Internet Bank of Indiana

Where it ranks

Ramp Treasury is No. 7 in our Best Treasury Management Software verdict.