Is Brex Banking or Ramp better for earning interest on operating cash?

Ramp publishes a variable 2% APY on eligible Checking Account funds. Brex publishes no yield on uninvested cash; its advertised Treasury return applies to money invested in a government money market fund. Neither published rate is guaranteed to remain unchanged.

Are Brex Treasury and Ramp Investment Account funds FDIC-insured?

No. Brex Treasury invests in a money market fund, and Ramp’s Investment Account holds investments. Neither is an FDIC-insured deposit account, and investments can lose value. Eligible Brex checking and Vault deposits and Ramp Checking Account deposits have separate FDIC coverage terms.

Which offers more FDIC coverage for eligible deposits?

Brex publishes up to $6 million in FDIC coverage for funds placed in its Vault program banks. Ramp publishes standard checking coverage plus up to $190 million through the IntraFi service. Coverage depends on where funds are held and applicable program conditions.

How quickly can I access invested cash?

Brex says Treasury-to-checking transfers can process as quickly as one hour between 8 a.m. and 3 p.m. Eastern on business days. Ramp says short-term Investment Account funds may be available as early as the same day; withdrawals requiring sales from its long-term portion typically take two business days.

Can I use Brex Banking or Ramp without paying for a software plan?

Yes. Brex lists Essentials at $0 per user per month, and Ramp lists Free at $0 per user per month. Brex Premium is $12 per user per month; Ramp Plus is $15 per user per month plus a platform fee based on team size.

Do Brex Banking and Ramp require a minimum balance to invest?

Brex publishes no minimum deposit for its Treasury account. Ramp says its Investment Account must maintain a total position of at least $5,000. Ramp publishes no minimum balance for its Checking Account.

Which integrates with my accounting software on a free plan?

Brex lists direct integrations including QuickBooks Online, Xero, NetSuite and Sage Intacct on Essentials. Ramp lists QuickBooks Online and Xero on Free, with NetSuite and Sage Intacct available on Plus.

What support do I get without upgrading?

Brex publishes 24/7 live support by chat, email and phone for all customers. Ramp lists 24/7 chat support on Free and 24/7 phone support on Plus.

Brex Banking vs Ramp

Choose Brex Banking if you want checking, a government money market treasury account, and an FDIC-insured vault in one setup; choose Ramp if you want interest-bearing checking alongside a managed investment account and finance automation. Both offer cards, bill pay, and free entry-level software, but the deciding questions are where you want to hold cash, how quickly you need to move it, and which paid features your team needs.

Last updated October 24, 2026.

At a glance

Brex Banking compared with Ramp, one row per dimension
Dimension	Brex Banking	Ramp
Cash account options	Checking, Treasury and Vault	Checking and Investment accounts
FDIC coverage for eligible deposits	Up to $6M in Vault; up to $250K in checking	Checking: $250K plus up to $190M through IntraFi
Checking yield	No yield on uninvested cash	2% APY on eligible checking funds; variable
Published investment return	Up to 3.94% estimated annualized Treasury return	Up to 4.6% Investment Account yield
Access to invested funds	Treasury-to-checking transfers as quickly as one hour	Short-term funds as early as same day; other funds typically two business days
Investment minimum	No Treasury minimum deposit	$5,000 total Investment Account position
Software plans	Essentials $0; Premium $12/user/month; Enterprise custom	Free $0; Plus $15/user/month plus platform fee; Enterprise custom
Procurement workflows	Smart Card with custom pricing	Procurement add-on to Plus or Enterprise
Accounting integrations	QuickBooks Online, Xero, NetSuite and Sage Intacct on Essentials	QuickBooks Online and Xero on Free; NetSuite and Sage Intacct on Plus
Multi-entity plans	Up to two entities on Essentials	Multi-entity support on Plus
Live support	24/7 chat, email and phone on all plans	24/7 chat on Free; 24/7 phone on Plus
Platforms	Web, iOS and Android	Web, iOS and Android

Scroll the table sideways to compare each row.

Which should you choose?

Choose Brex Banking if

Businesses seeking a no-minimum government money market treasury option
Teams that need 24/7 phone support on the free plan
Companies that want up to two entities on a free software plan

See Brex Banking — Up to 75,000 Points

Choose Ramp if

Businesses that want eligible checking balances to earn interest
Teams seeking a managed fixed-income investment account
Companies that need paid procurement intake and purchase-order workflows

See Ramp — $1,000 Sign-Up Bonus

The verdict

Brex Banking is the better fit for businesses that want a no-minimum treasury option with transfers to checking as quickly as one hour during specified business hours, plus 24/7 phone support on every plan. Ramp is the better fit for teams that want yield on eligible checking balances, a managed investment option, or procurement workflows as a paid add-on. Compare the account types rather than headline yields alone: invested funds at either provider are not FDIC-insured.