title: Banking
source_url: /developer-api/v1/banking
summary: The account list and balance-history endpoints may receive breaking changes, announced via the Changelog. Submit feedback through a Developer API support ticket.

content:
The account list and balance-history endpoints may receive breaking changes, announced via the Changelog. Submit feedback through a Developer API support ticket.

Read the cash position of a Ramp business — the accounts holding it and how their available balance has moved day over day.

A Banking account in this API is any account Ramp holds money in on the business's behalf. The Developer API response schema exposes three account_type values, each one mapping to a customer-facing product:

account_type

What it is

WALLET_ACCOUNT

Checking Account — the operating-cash deposit account. A business can have more than one.

BROKERAGE_ACCOUNT

Ramp Investment Account — a self-directed money market position. Max one per entity.

MANAGED_PORTFOLIO_ACCOUNT

Managed Portfolio — a fixed-income portfolio managed by Moment Advisors. Currently in limited release.

GET /developer/v1/banking/accounts returns the set above for the calling business. GET /developer/v1/banking/accounts/{account_id}/balance-history returns the balance available to the business per day for one account, in canonical minor currency units (cents for USD), filterable with start_date and end_date (ISO 8601). GET /developer/v1/banking/syncable-transactions returns banking transactions available to sync to an accounting provider.

The docs, API reference, and endpoint paths group these endpoints under Banking. The OAuth scope currently retains the treasury namespace.

Banking is US-only.

Cards — card spend draws from the Checking Account when it's the funding source; balances move with each settled charge.

Bill Pay — outbound bill payments are funded by the Checking Account.

Banking — list accounts, pull per-day balance history, and retrieve syncable transactions.

Authorization — treasury:read scope.

Pagination — cursor pagination on list endpoints.

Monetary values — balances returned in canonical minor units.