Figo vs Ramp
Two virtual cards people weigh up side by side. We put Figo and Ramp on the same rows so the difference is easy to see.
Figo issues on Visa (US BIN) and Ramp on Visa; verification is ID + proof at Figo versus ID only at Ramp; only Figo takes crypto top-ups.
Ramp is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo is the better fit for power users who need crypto funding.
Side by side
| Field | Figo | Ramp |
|---|---|---|
| Card network | Visa (US BIN) | Visa |
| Card type | Crypto Card | B2B Expense / Corporate |
| KYC | ID + proof | ID only |
| Card issuance fee | $2 (limited-time free) | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 2% + $0.6 intl | 0% |
| Crypto funding | Yes (USDC/USDT/PYUSD) | No |
| AI tool support | — | ChatGPT |
| Risk level | Medium | Low |
| Our rating | 8.2 | 9.1 |
| User reviews | 851 | 550 |
| Best for | Ad spend · Streaming | Ad spend · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
What sets them apart
- Ramp costs less to keep open, so it is the one to reach for if you are watching your budget.
- Multi-task users get more from Ramp — it clears more of the checkouts we run through our test suite.
- Prefer a short sign-up? Ramp is the lower-friction option here.
- Only Figo takes crypto top-ups in our data — worth knowing before you decide.
- Ramp edged Figo on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Ramp is the calmer of the two.
The two, compared
Both cards clear the same checkouts in our tests, so the call comes down to cost. Ramp is cheaper on issuance (free) and top-ups (no top-up fee), while Figo is worth the premium only for crypto funding.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against Ramp's 9.1/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Ramp works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
Figo asks for ID + proof at signup; Ramp asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 3 of the same test scenarios, including Snapchat Ads, Taboola, Outbrain. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Figo and Ramp both landed in our top picks for 3 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 3
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇺🇸 US — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: