Arc vs Ramp
Choose Arc if your technology company needs cash management alongside access to debt financing; choose Ramp if your priority is managing company spending, bills, and accounting workflows. Both offer business accounts, treasury options, and cards, so the deciding question is whether raising capital or automating day-to-day finance work matters more to your team.
Last updated October 27, 2026.
At a glance
| Dimension | Arc | Ramp |
|---|---|---|
| Primary focus | Cash management and capital access for technology companies | Cards, spend management, payments, and banking |
| Growth capital | Debt Raise through a 200+ lender network | Not published |
| Expense workflows | Card spend controls and financial analysis | Expense reviews, reimbursements, and travel booking |
| Business accounts | Business and Wallet accounts | Checking Account |
| Treasury options | Cash sweep, money market funds, mutual funds, and Treasury bills | Managed fixed-income Investment Account |
| Cards | Physical and virtual debit cards | Unlimited physical and virtual corporate cards |
| Deposit coverage | Up to $2.5M FDIC eligibility through Treasury cash sweep | FDIC-insured checking; ICS available for larger deposits |
| Plans and pricing | Essentials; paid annual Premium and Enterprise; prices not published | Free $0/user/month; Plus $15/user/month plus platform fee; Enterprise custom |
| Accounting integrations | QuickBooks Online and Xero connections | QuickBooks Online and Xero; additional ERPs on paid plans |
| Payments | Unlimited ACH and wire transfers | Bill pay by ACH, card, check, and wire |
| Account minimums | No Business account minimum balance | No Checking Account minimum balance |
| Support | Email, phone, and Slack; dedicated manager on Premium | 24/7 chat on Free; phone support on paid plans |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Arc if
- Technology companies seeking debt financing alongside cash management
- Teams investing idle cash in money market funds or Treasury bills
- Finance leaders who want Arc’s CFO Agent
Choose Ramp if
- Teams automating expenses and employee reimbursements
- Businesses combining cards, bill pay, and travel booking
- Finance teams needing broader accounting and ERP integrations
- Buyers seeking a published per-user price for a paid plan
The verdict
Arc is the better fit for a technology company that wants operating accounts, treasury investments, and a debt marketplace in one platform. Ramp is the better fit for a team that needs corporate cards tied to expense policies, bill payments, travel, and accounting automation. Compare their account and investment terms separately: neither platform’s investment account is the same as an FDIC-insured deposit account.
Arc vs Ramp: common questions
- Is Arc still available after its Axos announcement?
- Yes. Arc announced on July 7, 2026 that it was joining Axos, said its existing platform and accounts remained unchanged, and continues to offer account sign-up.
- Should a startup choose Arc or Ramp?
- A startup seeking cash management and access to debt financing should consider Arc. A startup focused on controlling employee spending, paying bills, and automating expense accounting should consider Ramp.
- Do Arc and Ramp both offer business accounts?
- Yes. Arc offers Business and Wallet accounts, while Ramp offers a Checking Account. Both also offer separate treasury or investment options.
- Does Ramp offer the same debt marketplace as Arc?
- Arc publishes a Debt Raise offering backed by a network of more than 200 lenders. Ramp does not publish a comparable debt marketplace offering.
- Which product has more expense-management features?
- Ramp publishes expense reviews, reimbursements, travel booking, and approval workflows. Arc publishes card spend controls and financial analysis, with its broader focus on cash management and capital access.
- How do Arc and Ramp prices compare?
- Arc lists Essentials, an annual paid Premium membership, and Enterprise, but does not publish subscription prices. Ramp lists Free at $0 per user per month, Plus at $15 per user per month plus a team-size-based platform fee, and custom Enterprise pricing.
- Are treasury investments at Arc and Ramp FDIC insured?
- Not generally. Arc describes FDIC eligibility for its Treasury cash sweep, but investments in securities are not FDIC insured. Ramp’s Checking Account is a deposit account; its separate Investment Account is not FDIC insured and can lose value.
- Which accounting software can Arc and Ramp connect to?
- Arc publishes QuickBooks Online and Xero connections. Ramp includes QuickBooks Online and Xero on its Free plan and lists additional ERP integrations, including NetSuite and Sage Intacct, on paid plans.