Start your company. Then fund it. All free.
HFO founders can form their Delaware C-Corp completely for free. Then, once you raise, unlock exclusive banking perks.
Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, a division of Santander Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.
Rho × HF0
Qualify in your first 90 days and everything on the right is yours.
Terms and conditions apply. 1 Terms and conditions apply.¹
- 01
- When you open your Rho account.
- $5,000
- 02
- When you connect and run payroll through Rho
- $2,500
- 03
- When your team crosses $10,000 in Rho Card spend
- $2,500
- 04
- Two Eight Sleep Pod 5s, one for each founder
- Included
- 05
- Guaranteed credit limit on the Rho Card
- $50,000
- 06
- 5% cashback on your first $10,000 in spend, then 1.5% after
- Included
- 07
- Free billboard in Times Square designed by you - or our team if you need help
- Included
- 08
- 3 free months of Fondo accounting
- Included
Maintain an average daily checking deposit balance of at least $400,000.00 USD for the first 60 days after your Rho Checking account is opened, use your Rho account as your company’s primary operating account (including payroll), and complete a payroll transaction you'll unlock over $15,000 in rewards built for your first year:
Rho × HF0
Qualify in your first 90 days and everything on the right is yours.
Terms and conditions apply. 2
- 01
- When you open your Rho account and move the majority of your operating funds + payroll to Rho*
- $4,000
- 02
- One Eight Sleep Pod 5
- Included
- 03
- Guaranteed credit limit on the Rho Card
- $50,000
- 04
- 5% cashback on your first $10,000 in spend, then 1.5% after
- Included
- 05
- Free billboard in Times Square designed by you - or our team if you need help
- Included
- 06
- 3 free months of Fondo accounting
- Included
Move your deposits and payroll to Rho and make it your company's primary operating account. You'll unlock over $10,000 in rewards:
One platform for end-to-end finance
Banking, cards, treasury, spend management, and accounting automation in one place.
Set up banking, treasury & cards fast
Get instant access to accounts, cards, and treasury with dedicated support and response times under a minute.
Fast implementation, dedicated support
Get up and running quickly with hands-on onboarding and a dedicated team to help you configure the platform to your workflows.
Eliminate expense admin
Rho Expenses handles reimbursements and organizes every transaction in real time. Stay compliant without extra tools.
Pay vendors without friction
Scan invoices with AI, route approvals automatically, and move money directly from your accounts.
Close the books faster
Banking, cards, and treasury sync automatically so your books stay clean and audit-ready.
"We had our fund admin team look at all of them and decided to go with Rho. Great product and team that provides invaluable GTM expertise to the startup community."
Dan Fleischmann"Rho has the single best customer service and support I've seen. They're doing everything possible to help my company succeed."
Comrie Flinn"I went with Rho when I started Fibe in 2023. They were the only ones who took the time to help me and my team onboard and answer all our Qs."
Andrew Yeung@andruyeungAs your transaction volume and employee count increase, use one platform (not four) to manage your finances – without monthly fees.
Expense Management
Make it easy for employees to spend and your finance team to enforce your expense policy.
Bill Pay
Pay hundreds of vendors in minutes with zero platform fees.
Accounting Information
Connect Rho and save hours of reconciliation time every month.
No per-seat fees or subscription costs. Rho is built to grow with you, without costing you extra.
- Same-Day ACH, wires, and checks
- Subscription fees
- Checking account minimum fees
- Built-in Bill Pay + Invoicing
- Per-user fees
- Foreign currency transfer
- Wire recall fee
*Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services provided by Wise US., Inc. Rho is a fintech company, not a bank. Applicable fees for the checking account include an optional $15 SWIFT fee and 1% foreign currency conversion fee. International wires in USD can be subject to additional fees set by recipient, correspondent, or intermediary banks, in addition to the SWIFT network. Unless prohibited by law, the late fee shall be three percent (3%) of the delinquent payment balance for each month that the balance remains unpaid for up to six (6) months.
Go live today. Get hands-on implementation so you and your team see value immediately.
| Rho | Mercury | |
|---|---|---|
| Cashback | Up to 2%* | Up to 1.5% |
| No Fees | √ | $350/mo (Pro) |
| Dedicated Support | √ | Only with Pro |
| G2 Rating | 4.8 | 4.5 |
| Rho | Mercury | Brex | Ramp | Amex | |
|---|---|---|---|---|---|
| Cashback | Up to 2%* | Up to 1.5% | 0.6% | Up to 1.5% | 0.6% |
| No Fees | √ | $350/mo (Pro) | 12 / user / mo (Premium) | 12 / user / mo (Premium) | $695 (Business Platinum) |
| Dedicated Support | √ | Only with Pro | Only with Enterprise | Only with Enterprise | Yes |
| G2 Rating | 4.8 | 4.5 | 4.7 | 4.8 | N/A |
Competitive data collected from companies’ websites as of [date], and may change.
Open an account in minutes and unlock your HF0 perks.