We may earn a commission if you buy through links on this page. It never changes a score or a ranking. How we make money
There's a free plan; paid tiers are quoted.
Rho lists its core platform at $0 per month, with no subscription or per-user fees for businesses using Rho accounts. The price page also lists connected AP, Expense and Accounting Automation, plus same-day ACH, wires and checks at $0. That does not mean every money movement is free: foreign currency conversion costs 1%, international wire recall is $30, and optional SWIFT and delinquency fees can apply. The page does not describe a paid tier or free trial.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Rho | — | $0 | Businesses using Rho accounts |
Add-ons and overages
- Foreign currency transfer and conversion: 1%
- International wire recall: $30
- Optional SWIFT fee: $15
- Late fee: 3% of delinquent balance per month, up to six months
- International wires may incur fees from recipient, correspondent or intermediary banks
02What the plan grid doesn't tell you
Foreign currency transfers
Foreign currency transfer and conversion costs 1%, according to the pricing page.
International wire recall
Recalling an international wire costs $30.
Optional SWIFT fee
The page lists an optional $15 SWIFT fee.
Late and bank fees
Late fees are 3% of the delinquent balance per month, up to six months. Recipient, correspondent or intermediary banks may also charge for international wires.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses using Rho accounts | Rho | The listed plan has $0 subscription and per-user fees, plus $0 for connected AP, Expense and Accounting Automation. |
| Teams paying bills and vendors | Rho | The pricing page lists bill-pay automation at $0 and says same-day ACH, wires and checks cost $0. |
| Companies sending international payments | Rho | The listed plan has no subscription fee, but foreign exchange, wire recalls and possible bank fees are extra. |
04Is Rho worth the money?
Rho is worth considering if you want business banking, spend management, bill pay and accounting automation under one platform without a subscription fee. The $0 price is not the whole cost picture: foreign currency conversion, wire recalls, optional SWIFT fees and delinquency charges can add up. The pricing page does not describe a paid tier or trial, so compare the listed transaction charges with your payment needs. Banking services are provided by partner banks.
Rho pricing FAQ
What does Rho stand for?
The product information and pricing page we reviewed do not explain what “Rho” stands for. They describe Rho as a business-finance platform covering banking, spending, treasury, bill payments and invoicing, but provide no expansion of the name.
Is a Rho faster than a raptor?
There is no meaningful speed comparison in the information available: Rho is a business-finance platform, and its pricing and product details do not discuss speed against a raptor. If you mean how quickly Rho processes a specific payment, the published information does not publish processing-time guarantees.
What is Rho payment?
Rho offers payment tools for businesses, including bill payment and client invoicing. The product information says clients can pay by ACH, wire or card, while businesses can scan, approve and pay bills. Banking services are provided by partner banks.
Is Rho actually worth it?
Rho may suit businesses that value its listed $0 subscription and per-user fees and want banking, spend management, bill pay and accounting automation together. It is not cost-free for every transaction: foreign currency conversion, wire recalls, optional SWIFT fees and late fees can apply. Check those charges against your payment mix.