MyFin vs Ramp
Two virtual cards people weigh up side by side. We put MyFin and Ramp on the same rows so the difference is easy to see.
MyFin issues on Visa · Mastercard and Ramp on Visa; both ask for ID only.
MyFin is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Ramp is the better fit for power users who need ad spend and AI subscriptions.
What sets them apart
| Field | MyFin | Ramp |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Digital Bank / Neobank | B2B Expense / Corporate |
| KYC | ID only | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo | Free |
| Top-up fee | — | — |
| FX fee | 0% | 0% |
| Crypto funding | — | No |
| AI tool support | — | ChatGPT |
| Risk level | Low-Medium | Low |
| Our rating | 8.8 | 9.1 |
| User reviews | 376 | 550 |
| Best for | App Store / Play · Free issuance | Ad spend · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- If you wear several hats, Ramp is the more flexible of the pair.
- Ramp carries the lower risk flag in our file, which some users prefer for a primary card.
Two cards, one decision
Both cards clear the same checkouts in our tests, so the call comes down to cost. MyFin is cheaper on issuance (free) and top-ups (no top-up fee), while Ramp is worth the premium only for ad-platform billing and AI subscriptions.
Questions people ask
That depends on what you spend on. MyFin scores 8.8/10 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.
MyFin is the cheaper card to run. Both MyFin and Ramp issue virtual cards for free.
MyFin asks for ID only 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 2 of the same test scenarios, including AliExpress, Microsoft Azure. 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
MyFin and Ramp both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 1
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇺🇸 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: