Skip to content
SPECIFICTION
Get listed

Rho

rho.co

Free plan WebiOSAndroidAPI
Visit rho.co
Spec score 7.9 #12 of 32 in Accounts Payable Automation Software

What it is

Rho is a finance platform combining business banking, corporate cards, expense management, bill pay, treasury and accounting automation. Its cards can be physical, virtual or vendor cards, with controls for merchants, spending limits and time. Expense tools bring together approval rules, receipt capture and automated reconciliation. Rho Bill Pay lets customers upload, approve and pay vendors with zero platform fees and audit trails. Listed accounting and ERP integrations include Xero, Campfire, Puzzle, Sage Intacct, NetSuite and QuickBooks; HR and travel connections include BambooHR, Workday, Gusto, Navan, Emburse and SAP Concur. The Rho plan costs nothing for subscription, per-user and platform fees, but lists a 1% foreign-currency transfer fee. Rho Platinum offers up to 2% cashback and the standard Daily Terms rate is 1.25%, subject to terms; cashback applies to up to $1,000,000 in eligible annual card spend across tiers. Corporate card applicants need a U.S.-incorporated business and an EIN. Rho provides iOS and Android app links.

Spec sheet

Product
Rho is a finance platform combining business banking, corporate cards, expense management, bill pay, treasury and accounting automation.Read 30 Sep 2026 · rho.co
Free plan
YesRead 19 Sep 2026 · rho.co
Mobile apps
Rho provides download links for its app through the Apple App Store and Google Play.Read 30 Sep 2026 · rho.co
Security
Rho Checking deposits are held at Webster Bank, a division of Santander Bank, N.A., Member FDIC, with insurance up to $250,000 per depositor and ownership category.Read 30 Sep 2026 · rho.co
Support
Rho advertises 24/7 support from day one for enterprise customers.Read 30 Sep 2026 · rho.co
Headquarters
New York, New York, United StatesRead 23 Sep 2026 · rho.co
Accounting integrations
Rho lists Xero, Campfire, Puzzle, Sage Intacct, NetSuite and QuickBooks under Accounting and ERP integrations.Read 30 Sep 2026 · rho.co
Approval workflows
YesRead 19 Sep 2026 · rho.co
Bill pay
Rho Bill Pay lets customers upload, approve and pay hundreds of vendors with zero platform fees and full audit trails.Read 30 Sep 2026 · rho.co
Card controls
Rho Corporate Cards support physical, virtual and vendor cards with merchant, spending-limit and time controls.Read 30 Sep 2026 · rho.co
Card limit
Cashback applies to up to $1,000,000 in eligible card spend per calendar year across all tiers.Read 30 Sep 2026 · rho.co
Card rewards
Rho Platinum offers up to 2% cashback, while the standard Daily Terms rate is 1.25%, subject to terms.Read 30 Sep 2026 · rho.co
Company history
Rho states that it started in 2018 to build a financial services platform for companies.Read 30 Sep 2026 · rho.co
Eligibility
A Rho Corporate Card applicant's business must be incorporated in the United States and have an EIN.Read 30 Sep 2026 · rho.co
Expense management
Rho combines corporate cards, spend controls, approval rules, receipt capture and automated reconciliation in one platform.Read 30 Sep 2026 · rho.co
HR and travel integrations
Rho lists BambooHR, Workday, Gusto, Navan, Emburse and SAP Concur as HR or travel integrations.Read 30 Sep 2026 · rho.co
Savings coverage
Rho Savings offers up to $75 million in FDIC insurance through a program distributing funds across FDIC-insured banks.Read 30 Sep 2026 · rho.co

Plans and prices

Rho Free $0 subscription fees · $0 per-user fees · $0 platform fees · 1% foreign-currency transfer fee Read 30 Sep 2026 · rho.co

Every Rho plan and price →

Strong points and limits

Strong points

  • No subscription, per-user or platform fees on the Rho plan.
  • Physical, virtual and vendor cards have spending controls.
  • Bill Pay has zero platform fees and audit trails.
  • Lists accounting, ERP, HR and travel integrations.
  • Includes approval rules, receipt capture and reconciliation.

Limits

  • Foreign-currency transfers carry a 1% fee.
  • Corporate card applicants need a U.S.-incorporated business and EIN.
  • Cashback is limited to $1,000,000 in eligible annual spend.

Who it suits

Rho suits companies seeking banking, cards, expense controls, bill payment and accounting automation in one finance platform. Corporate card applicants must have a U.S.-incorporated business and an EIN.

Verdict

Rho brings several company finance functions together and lists no subscription, per-user or platform fees. The 1% foreign-currency transfer fee and card-applicant eligibility are important terms to account for.

Where Specifiction places it

Alternatives to RhoAll alternatives →