Rho, Bluevine and Relay all give you online business banking on one platform, and the right pick depends on what you pay for and what you need to run: Rho fits teams that want no monthly fees with cards and Bill Pay in the same place, Bluevine fits businesses that want interest-bearing checking and cash deposit options, and Relay fits teams that want many checking accounts and unlimited users.
The comparison covers monthly fees, number of accounts, team access, cards, bill pay and accounting integrations, and who can apply, using each provider's public website.
Key takeaways
Rho has no monthly, per-user or minimum-balance fees on business checking, and charges $0 Rho fees on domestic ACH and wires.
Bluevine and Relay both use plan tiers, from $0 up to a paid top tier, with better pricing and higher interest on the higher plans.
Relay lets you open up to 20 checking accounts on Starter and Grow and 50 on Scale, with unlimited users on every plan.
Bluevine lists cash deposits through Green Dot and AllPoint, and Relay lists them through Allpoint+ and Green Dot.
Rho serves US-incorporated businesses.
Bluevine vs Relay vs Rho at a glance
| Rho | Bluevine | Relay | |
| Best for | Teams that want checking, corporate cards and Bill Pay on one platform with no monthly fees | Businesses that want interest on checking and cash deposit options | Teams that want many checking accounts and unlimited users |
| Monthly fee | $0. No monthly, per-user or minimum-balance fees on business checking | Standard $0, Plus $30, Premier $95. Plus and Premier fees are waivable | Starter $0, Grow $30, Scale $120 list price (a limited-time discount is shown) |
| Domestic ACH and wires | $0 Rho fees | Standard ACH $0. Outgoing domestic wire $15 on Standard, $12 on Plus, $7.50 on Premier | Additional transaction fees apply, see Relay's pricing page |
| Accounts | Add checking sub-accounts with no limit on how many, each with its own account number | Up to 50 sub-accounts, with the limit varying by plan | 20 checking accounts on Starter and Grow, 50 on Scale |
| Team access | No per-user fees | Up to 50 debit cards with custom spend limits, across the main account and sub-accounts | Unlimited users on every plan |
| Cards | Rho Corporate Cards earn standard rates of up to 1.25% Cashback with Daily Terms or up to 1% with Monthly Terms (terms apply) | Up to 50 debit cards with spend controls | Visa debit cards, plus a Visa charge card with 1%, 1.25% or 1.5% cash back by plan |
| Bill pay and accounting | Bill Pay and QuickBooks Online integration | Automated payments and approval workflows | Bill intake and management on every plan, batch payments on Grow |
| Who can apply | US-incorporated businesses | Documentation varies by entity type | See Relay's eligibility requirements |
Rho vs Bluevine
Choose Rho over Bluevine if you want one flat answer on fees. Rho charges no monthly fee, no per-user fee and $0 Rho fees on domestic ACH and wires, while Bluevine's pricing depends on the plan. Bluevine's Standard plan is $0 a month, but its interest on Standard requires $500 a month in Bluevine business card spend or $2,500 a month in customer payments. Plus is $30 a month and Premier is $95, and each waives its fee only when you hold a set balance and meet a monthly card spend. Plus needs a $20,000 average daily balance and $2,000 in card spend. Premier needs $100,000 and $5,000.
Choose Bluevine if interest on checking balances and cash deposits matter more to you than a flat fee schedule. It lists cash deposits at Green Dot for $4.95 and at AllPoint ATMs for $1 plus 0.5%. For the full line-by-line, see the Rho vs Bluevine comparison.
Rho vs Relay
Choose Rho over Relay if you want Rho Corporate Cards, Bill Pay and checking with no subscription tier to manage. Relay's Starter plan is $0, Grow is $30 a month, and Scale is listed at $120 a month. Rho has no subscription fees, no per-user fees and no platform fees on banking, corporate cards, expense management or Bill Pay.
Choose Relay if you want to split money across many accounts. Relay supports up to 20 checking accounts on Starter and Grow, 50 on Scale, and unlimited users on every plan. Relay's Visa charge card earns 1%, 1.25% or 1.5% cash back by plan, and you pay the full balance each 30-day billing cycle. For more detail, read Rho vs Relay.
Bluevine vs Relay
Bluevine and Relay are the closest pair: both run $0, $30 and paid top tiers, both pay interest that rises with the plan (Bluevine on checking, Relay on savings), and both list cash deposit options. Bluevine's top tier is $95 a month with 3.3% APY on all balances, and its outgoing domestic wire fees fall from $15 to $7.50 as you move up. Relay's top tier gives you 50 checking accounts. Pick Bluevine for interest on checking and invoicing tools, and Relay for account structure and team size. The Bluevine vs Relay comparison goes deeper on that pair.
Which should you choose?
Choose Rho if you want no monthly fees, $0 domestic ACH and wires, and Rho Corporate Cards and Bill Pay alongside checking.
Choose Bluevine if you want interest on checking, up to 50 debit cards with custom spend limits, and approval workflows, and you are willing to meet balance and card-spend conditions to waive plan fees.
Choose Relay if you want 20 to 50 checking accounts or unlimited users.
If your company runs on ACH, wires and cards, open a Rho account. Rho serves US-incorporated businesses.