Airwallex vs Rho (2026): which should you pick?
As of Nov 13, 2026, we pick Airwallex: it is second in our ranking of spend and bill pay tools, and it grades higher too, 3.2 against 1.6.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 2026 by ToolGPA
Airwallex grades higher on value for money, the free plan, features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Airwallex
Multi-currency business accounts, cards, bill pay and expenses
Free plan · from $12/mo
Which one is for you
Pick Airwallex if
- Fits if you pay suppliers or staff in other countries
- Works for teams that spend abroad and want cards with no foreign transaction fees
Look elsewhere if
- Tight if you're about to grow past 10 Spend users, as Grow's platform fee isn't published
- Pricey if you send lots of SWIFT transfers, at $15 to $25 each
- Watch out: conversion costs 0.5% over the interbank rate for major currencies and 1% for others
- Watch out: plan fees are charged per legal entity, and taking international cards costs 4.3% + $0.30
- Skip it if you want a desktop app, as only web, iPhone and Android are listed
Pick Rho if
- Fits if you already bank with Rho and want to approve and file on your iPhone
- Works for founders who handle receipts from their phone
Look elsewhere if
- Not for you if you use Android, as only an iPhone listing is on record
- Pricey if you can't see a price, as none could be read
- Watch out: Rho says it is not a bank, and banking and cards come from Webster Bank, N.A., Member FDIC
- Too light for full expense policies, as the listing shows card, receipt and approval screens only
How we grade them
| 3.2GPAAirwallexVery good | 1.6GPARhoWeak | |
|---|---|---|
| Value for money | AFree and substantial. A ten-person company pays $0 a month on Explore, which covers up to 10 Spend users, and the listing gives no fee for local bill payments. You pay on conversion, 0.5% to 1% over the interbank rate, and on SWIFT at $15 to $25. | CNo price could be read, as rho.co blocked automated requests. Middle by default against the category's $7.50, $12 and $20. |
| Free plan and trial | BExplore is free with accounts in 20+ currencies, unlimited cards, expenses, bill pay, invoicing and Xero or QuickBooks sync. The cap is 10 Spend users: the eleventh takes you to Grow at $12 each plus a platform fee. | FNo free plan and no trial on record, so nothing to try before paying. |
| Features | BThe whole job: multi-currency accounts, Visa cards with no foreign transaction fees, receipts matched by AI, reimbursements in 200+ countries, bill pay with AI data capture, invoicing, card acceptance and APIs. | CCard management, receipts, reimbursement requests, payment approvals and balances. It is an account companion more than a full expense system. |
| Ease of use | B4.81 from 584 App Store ratings, high but short of the 1,000 we want for the top band. There are accounts, cards and an accounting link to set up first. | C4.6 on the App Store, but from only 53 ratings, which is under the 300 we need for a rating to count. You also need an account. |
| Platforms and integrations | BWeb, iPhone and Android, with Xero, QuickBooks, NetSuite, Business Central, BambooHR, Shopify, WooCommerce and Amazon, plus developer APIs. No desktop app is listed. | CiPhone only on record, with no web or Android listing confirmed. One family of devices. |
| Best for | multi-currency spending and paying abroad | managing a Rho business card and bank account on iPhone |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Airwallex and Rho. How we grade
Where they differ
- Airwallex also covers invoicing.
In commoniOSExpense trackingBill payCompany cards
At a glance
| Airwallex | Rho | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | $12 per Spend user / month, plus a platform fee based on team size | Not published |
| Free plan | Explore: multi-currency accounts, unlimited corporate cards, expenses, reimbursements, bill pay and invoicing for up to 10 Spend users, with no monthly fee. Transaction fees apply. | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Airwallex | Under Technologies, Inc. (Rho Technologies) |
| Price read from | airwallex.com | Not confirmed |
| Checked | Oct 18, 2026 | Nov 12, 2026 |
Worth knowing
Airwallex
- Currency conversion costs 0.5% above the interbank rate for major currencies and 1% for others; SWIFT transfers cost $15 to $25 each.
- Grow adds a platform fee based on the number of Spend users that the pricing page does not state, and plan fees are charged per legal entity.
- Airwallex US, LLC is a licensed money transmitter that works with Evolve Bank & Trust for some US customers; the cards are issued by Community Federal Savings Bank.
- Taking card payments costs 2.8% + $0.30 for US cards and 4.3% + $0.30 for international ones.
Rho
- No prices could be read: rho.co answered automated requests with a security check, so pricing is unverified.
- The App Store listing is for iPhone only; other platforms were not confirmed from a page we could read.
- Rho says it is not a bank; banking services and cards come from Webster Bank, N.A., Member FDIC.
Key features
Airwallex
- Multi-currency accounts
- Collect and hold money in more than 20 currencies, send local transfers to over 120 countries and SWIFT transfers to more than 200.
- Corporate cards
- Virtual and physical Visa cards with per-card limits for use in 60+ markets, with no foreign transaction fees and up to 2% cashback on local USD spend.
- Expenses and reimbursements
- Receipts are matched by AI from email or bulk upload, staff submit and approve in the mobile app, and reimbursements go to employees in 200+ countries.
- Bill pay
- Upload, email or sync bills, have their details extracted automatically, and pay domestic or international suppliers in bulk after approval.
- Invoicing and payments
- Send invoices for free, take cards and 160+ local payment methods through checkout or payment links, and run subscription billing.
- Developer APIs
- APIs for accounts, payouts, card issuing and payments, for businesses that build these into their own products.
Rho
- Card management
- The app lets users monitor, lock and create Rho cards, and add cards to a mobile wallet.
- Receipts and expense details
- Employees file receipts and expense details from the app, and a recent update lets them split one transaction into parts and categorize each.
- Reimbursement requests
- Staff can request reimbursement for mileage and out-of-pocket spend from the app.
- Payment approvals
- Approvers can approve or reject payments from the app.
- Balances and check deposit
- The app shows banking balances and supports depositing checks.
Plans
Airwallex
Explore$0
Accounts in 20+ currencies, unlimited cards, expense management, bill pay with AI coding, invoicing and Xero or QuickBooks sync, for up to 10 Spend users.
Grow$12
per active Spend user / month, plus a platform fee by team size
Up to 250 Spend users. Adds multi-step approvals, an AI expense policy agent, bill rules, NetSuite and Business Central sync. The platform fee is not shown.
AccelerateCustom
Adds purchase orders and requests, AI 3-way matching, several legal entities, a direct ERP integration and an account manager.
Rho
Pricing could not be confirmed. See rho.co.
Common questions
Which is cheaper, Airwallex or Rho?
As of Nov 12, 2026, Airwallex starts at $12 per Spend user / month, plus a platform fee based on team size, and Rho has no price we could confirm.
Which has a free plan, Airwallex or Rho?
As of Nov 12, 2026, only Airwallex has a free plan. Rho does not.
Which platforms do Airwallex and Rho run on?
As of Nov 12, 2026, only Airwallex lists a web app and an Android app. Both list an iOS app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.