# Rho pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Rho Business Banking). Among the 8 business bank accounts we track it is the cheapest; median entry $0/mo.
**Domain:** rho.co
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Integrations:** QuickBooks, Xero, NetSuite, Sage Intacct, Campfire, Puzzle, BambooHR, Workday, Gusto, Navan, SAP Concur, Emburse
**Best for:** Startups and early-stage companies needing no-subscription banking; Small and mid-size businesses with active AP workflows; Finance teams and fractional CFOs requiring real-time reconciliation; Enterprises needing ERP-level integrations at $0 subscription cost; Businesses seeking high FDIC coverage up to $75M

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Rho Business Banking | $0 | — | flat | $0 subscription fee. No per-user fees. Includes checking account, same-day ACH, wires, checks, AP automation, expense management, and accounting integrations at $0. Transaction fees apply: 1% on foreign currency transfers; optional $15 SWIFT fee for international USD wires. Rho Treasury management fee disclosed separately in ADV-2A Wrap Fee Brochure (not published inline). | rho.co |

**Key features:** $0 subscription fee with no per-user fees; Same-day ACH, wires, and checks included at $0; AP automation with spending controls and approval workflows built into every transaction; Corporate cards with up to 1.5% cash back on qualifying spend; Virtual cards available instantly; physical cards ship globally; Per-card spending limits (daily, weekly, monthly, annual) with merchant/category restrictions; Treasury account earning up to 4.41% yield; Up to $75M FDIC coverage through partner bank sweep network; Real-time transaction reconciliation; No personal guarantee and no consumer credit pull for corporate cards; Automated receipt capture via Gmail integration; 50+ HR platform integrations for expense management.

**Plan limits:** FDIC insurance up to $75M through Webster Bank N.A. and American Deposit Management Co. sweep network; Checking account held at Webster Bank N.A. (FDIC-insured up to $250K standard coverage); Savings: up to $75M FDIC coverage through deposit distribution; Treasury: U.S. Treasury Bills and mutual funds with SIPC protection (not FDIC); Foreign currency transfers: 1% fee; International USD wires: optional $15 SWIFT fee; No minimum annual revenue requirement; underwriting based on revenue, spending patterns, and liquidity; Corporate card limits scale with revenue and liquidity (no fixed published ceiling).

Sources: 1 · Last verified 2026-06-14
Provenance: Official pricing page: https://rho.co/pricing (fetched directly, full content returned). Integrations from https://rho.co/integrations (fetched directly).
Canonical: https://frontdeskreview.com/software/business-bank-accounts/rho/
Cite: Per The Front Desk Review, Rho's entry plan was $0 (free)/mo as of 2026-06-14 — https://frontdeskreview.com/software/business-bank-accounts/rho/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl