Finance & Banking Software
Rho
No-subscription-fee business banking bundled with corporate cards, bill pay, and treasury management for funded companies.
Small businessMedium businessNorth America
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for venture-backed or cash-flush small/mid companies that want banking, corporate cards, and treasury management under one no-subscription-fee roof — less suited to bootstrapped businesses that don't need treasury/yield tools.
Choose this if...
- Startups and mid-size companies wanting banking, cards, AP, and treasury in one platform
- Teams that want to earn yield on idle cash without a separate investment account
Look elsewhere if...
- You're a very small or solo business — Rho's feature set (treasury, AP automation) is built for teams with more cash and complexity
- Your business isn't US-incorporated
Visit Rho
This is a direct link to Rho— we don't currently earn anything from it.
Pricing
Verified Jul 17, 2026 against Rho's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Rho | Free | Free | $0 subscription fee, $0 per-user fee, $0 checking minimums; free Same-Day ACH, wires, and checks; foreign currency transfers cost 1%, optional SWIFT fee $15; Treasury (investment) product charges 0.15%-0.6% annual management fee based on deposit size |
Free tier reality
Core banking (checking, corporate cards, expense management, bill pay, invoicing) carries no subscription or per-user fees at all — the whole banking/spend platform is free, with revenue coming from interchange, wire fees, and the separate Treasury investment-advisory product (0.15%-0.6% annual fee based on deposit size). No published transaction-volume caps were found on the pricing page.
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DEV-MID · rectanglePros
- No subscription or per-user fees for the core banking/card/AP platform
- Treasury management is a genuine differentiator versus pure checking-account fintechs
- Combines banking, corporate cards, and bill pay in one product
Cons
- Pricing page doesn't publish transaction-volume limits or account minimums — worth confirming directly for your use case
- Treasury investment product carries a real annual fee (0.15%-0.6%) despite the "no subscription fee" banking positioning
- As a fintech (not a bank), FDIC coverage runs through partner banks
Key features
- Zero-fee business checking
- Corporate cards with spend controls
- Automated bill pay / accounts payable
- Treasury/cash management for idle funds
- Built-in invoicing
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
US-only. Rho is a fintech, not a bank — banking services are provided through partner banks.
- North America
Best for
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Ramp
Pick this instead if: Smaller teams wanting unlimited cards and expense automation without a per-user fee
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Rho FAQ
Questions about this tool
Is Rho free?
Yes, there's a free tier. Core banking (checking, corporate cards, expense management, bill pay, invoicing) carries no subscription or per-user fees at all — the whole banking/spend platform is free, with revenue coming from interchange, wire fees, and the separate Treasury investment-advisory product (0.15%-0.6% annual fee based on deposit size). No published transaction-volume caps were found on the pricing page.
How much does Rho cost?
Free. We verify pricing directly against Rho's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is Rho best for?
Startups and mid-size companies wanting banking, cards, AP, and treasury in one platform Teams that want to earn yield on idle cash without a separate investment account
Who should avoid Rho?
You're a very small or solo business — Rho's feature set (treasury, AP automation) is built for teams with more cash and complexity Your business isn't US-incorporated
Does Rho work well outside the US?
US-only. Rho is a fintech, not a bank — banking services are provided through partner banks.
What are the best alternatives to Rho?
Worth comparing: Stripe, Mercury, Brex, Ramp. See the Alternatives section above for why you might pick one of these instead.