Brex Treasury vs Ramp Investment Account
Last updated 2026-10-17. Rates snapshot 2026-10-16; each figure carries the provider's own as-of date and links to its source.
Brex puts idle cash in a government money market fund with a Brex-paid additional return. Ramp's Investment Account is a managed portfolio that can include government and prime money market funds, Treasuries and investment-grade corporate bonds, with a short-term sleeve and a longer-term sleeve.
What you'd earn at your balance
| Balance | Brex | Ramp |
|---|---|---|
| $100K | 3.57% Total treasury return | Up to 4.63% (no balance tiers published) |
| $500K | 3.62% Total treasury return | Up to 4.63% (no balance tiers published) |
| $1M | 3.62% Total treasury return | Up to 4.63% (no balance tiers published) |
| $5M | 3.77% Total treasury return | Up to 4.63% (no balance tiers published) |
| $25M | 3.92% Total treasury return | Up to 4.63% (no balance tiers published) |
Net published yields at each balance, as the providers print them. How the tier is set:
- Brex: Total Brex balance across Checking, Treasury and Vault
- Ramp: no balance tiers in our data
Side by side
| Brex | Ramp | |
|---|---|---|
| Product | Brex Business Account – Treasury | Ramp Investment Account |
| Type | Government money market fund (DGVXX) | Managed portfolio: gov't MMFs, prime funds, Treasuries, IG corporate bonds |
| Headline yield (up to) | 3.92% | 4.63% |
| Entry-tier yield | 3.57% | — |
| Yield detail | 3.57% ($0–500K) · 3.62% ($500K–2M) · 3.72% ($2–5M) · 3.77% ($5–20M) · 3.92% ($20M+) 'total treasury return' (DGVXX 7-day yield 3.51% plus an additional return paid by Brex Treasury LLC; tier set by total Brex balance) | Up to 4.63% (1-day SEC yield / portfolio YTM, net of up to 0.15% advisory fee; YTM as of 09/03/2026 assuming a $10M sample investment) |
| Yield as of | unknown (not dated on page; re-checked 2026-10-17) | 2026-09-03 (re-checked 2026-10-17) |
| Minimum | None | $5,000 position |
| Fees | No treasury transaction, monthly or account fees stated | Advisory fee up to 0.15%/yr |
| Liquidity | Same-hour (per Brex) | Short-term balance same-day; long-term sleeve ~2 business days (may return less before maturity) |
| Protection | Treasury: SIPC (Brex Treasury LLC), not FDIC. Separate Vault sweep: up to $6M FDIC across 24 program banks | SIPC up to $500K (incl. $250K cash) via Apex Clearing; not FDIC |
| Source | Brex page | Ramp page |
How to choose
- Check eligibility first. A higher top-tier rate doesn't help if your balance is below the minimum or the top tier.
- Compare like with like. A money market fund's 7-day yield, a T-Bill's yield to maturity and a bond fund's yield are different measures. See methodology.
- Mind liquidity. Keep payroll-and-vendor cash in an operating account; only move cash you won't need for a while. See where to keep startup cash.
FAQ
Which pays more, Brex or Ramp?
It depends on balance. Ramp shows the higher headline (top-tier) yield: 4.63% vs 3.92%. One of the two doesn't publish an entry-tier yield figure. See the balance table on this page for each tier.
Is Brex Treasury FDIC insured?
Brex: Treasury: SIPC (Brex Treasury LLC), not FDIC. Separate Vault sweep: up to $6M FDIC across 24 program banks.
Is the Ramp Investment Account FDIC insured?
Ramp: SIPC up to $500K (incl. $250K cash) via Apex Clearing; not FDIC.
What is the minimum for Brex and Ramp?
Brex: None. Ramp: $5,000 position.
How fast can I get the money back?
Brex: Same-hour (per Brex). Ramp: Short-term balance same-day; long-term sleeve ~2 business days (may return less before maturity).
All providers: rates table · current startup treasury rates · all guides
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We keep your email private and use it only for this newsletter. Every issue will have an unsubscribe link.Not financial advice. IdleCash is an independent, informational comparison. We are not a bank, broker or adviser. The comparison table is always sorted purely by the data; sponsorship never changes rank. Yields are variable, quoted as each provider advertises them, and may have changed. Securities products are not FDIC-insured and can lose value. Verify on the provider's site before acting.