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Rho

US business banking with corporate cards, bill pay and expense management built in.

FreeBusiness banking and payment accounts

Updated · AppBreakup editorial · Web, iOS, Android

Visit RhoSee 5 alternatives

Is Rho free?

Yes, free to use

Subscription fee:
$0

Checked on Rho's site Nov 8, 2026

Switch from Rho to

All 5
  • Mercury logo
    Mercury

    Base plan: $0/month

  • Lili logo
    Lili

    Paid plans from: $15/month (Lili Pro)

  • Bluevine logo
    Bluevine

    Paid plans: Plus $30/month, Premier $95/month

Verified facts
5 of 5
Alternatives ranked
5
Approved reviews
0
Visits sent from here
0

About Rho

Rho is a US finance platform for startups, small businesses and multi-entity companies that combines business checking, savings, corporate cards, bill pay, invoicing and expense management. Rho is a fintech rather than a bank; checking and card services are provided by partner banks, and savings are spread across a network of banks for much larger FDIC cover. Its pricing pitch is simple: no subscription, per-user or account minimum fees, and no charge for ACH, wires or checks, with fees mainly on foreign-currency conversion and some international wire extras. Expense management handles receipts, approvals and accounting coding, and it syncs with accounting software to speed up month-end close. Treasury management for idle cash is offered through a registered investment adviser with its own fee. There is also an API and tools such as company incorporation and a SAFE note generator. It suits venture-backed startups and growing companies that want banking and spend management on one platform rather than a bank plus a card tool.

Best for: US startups and growing companies wanting banking, cards and AP in one place.

Rho pricing (checked Nov 8, 2026)

Each line is quoted from Rho's own site, with the page it came from.

Plan or termWhat it saysCheckedSource
Subscription fee$0Nov 8, 2026rho.co
ACH, wires and checks$0Nov 8, 2026rho.co
FDIC insurance (savings)Up to $75MNov 8, 2026rho.co

Pros and cons

What works

  • No subscription, per-user or domestic payment fees
  • Corporate cards, bill pay and expense management included
  • Large FDIC cover on savings through a bank network
  • API access and accounting integrations for finance teams

Why people leave

  • US companies only; it's a fintech, not a bank
  • 1% fee on foreign currency transfers and conversions
  • Treasury product carries its own management fee

Rho vs Mercury, Lili and Bluevine

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

AttributeRhoMercuryLiliBluevine
PricingFreeFree plan + paidFree plan + paidFree plan + paid
Verified price——$15/month (Lili Pro)Plus $30/month, Premier $95/month
Free planFree appYesLili Core, $0/monthYes
Open sourceNoNoNoNo
Self-hostableNoNoNoNo
PlatformsWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, Android

Top Rho alternatives

See all 5
  1. 1Mercury logo
    Mercury

    Startup-focused US banking with a polished interface and strong treasury and card features.

    68.8
  2. 2Lili logo
    Lili

    Simpler and cheaper for a freelancer or sole proprietor, with built-in tax-savings tools.

    59.4
  3. 3Bluevine logo
    Bluevine

    US business checking that pays interest and adds lines of credit, a good match for small firms that want lending too.

    57.5
  4. 4Brex logo
    Brex

    Spend-management-first platform with corporate cards and travel tools, plus business accounts.

    54.4
  5. 5Ramp logo
    Ramp

    Pick it if cards, expense control and AP automation matter more than the bank account itself.

    52.6

Why people left Rho

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from Rho, review the app you switched to and tell us why.

Reviews

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Rho: common questions

What is Rho?

Rho: US business banking with corporate cards, bill pay and expense management built in. Best for US startups and growing companies wanting banking, cards and AP in one place. Available for Web, iOS and Android.

Is Rho free?

Yes, Rho is free to use.

How much does Rho cost?

Rho is free to use. Subscription fee: $0; ACH, wires and checks: $0; FDIC insurance (savings): Up to $75M. Checked on Rho's own site, November 2026.

Is Rho open source?

No, Rho is not open source.

What platforms does Rho run on?

Rho is available for Web, iOS and Android.

What are the best alternatives to Rho?

The highest-ranked Rho alternatives right now are Mercury, Lili and Bluevine. See the full ranked list for pricing, platforms and verified facts.

Rho vs Mercury: what's the difference?

Rho is free to use; Mercury is free with paid plans. Both run on Web, iOS and Android.

See all 5 Rho alternatives