Aspire vs Rho (2026): which should you pick?

Pick Aspire if

• Fits if you run a US company from another country
• Works for small teams that pay suppliers and staff in several currencies

Look elsewhere if

• Not for you if your staff need physical cards, as the listing shows virtual ones only
• Tight if you'd rather not settle the charge card in full every day
• Watch out: accounts in currencies other than US dollars are run from Hong Kong and aren't FDIC insured
• Watch out: Aspire says it isn't a bank, and Treasury balances carry a yearly fee from 0.15%
• Skip it if you want an API or a desktop app, as neither is 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

Aspire

• Aspire earns on use: currency conversion from 0.22% above the mid-market rate, $5 or $15 per outgoing SWIFT transfer, and a yearly fee from 0.15% on Treasury balances.
• Aspire says it is not a bank: US deposits sit at Column N.A., and its charge card, issued by Column under a Mastercard license, must be paid in full daily.
• Accounts in currencies other than US dollars are run by Aspire's Hong Kong company and are not FDIC insured.
• Besides the US, Aspire has sites for Australia, Canada, China, Hong Kong, the Netherlands, Singapore and the UK; procurement is offered on request.

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.

Aspire

US business account

Deposits held at Column N.A., with ACH, wire, check and real-time transfers at no fee and no minimum balance.

Multi-currency accounts

Hold and pay in 13 currencies including euros, pounds, Canadian dollars and yuan, with conversion from 0.22% above the mid-market rate.

Corporate cards

Virtual cards for spending in 150+ currencies, with spend limits, currency and merchant restrictions, and 1.5% cashback on eligible spend.

Bills and budgets

Payables come in through automated invoice capture, and budgets set enforceable limits for each team.

Expense claims

Employees scan receipts in the Aspire app, missing receipts are requested automatically, and claims are reimbursed from the Aspire account.

Accounting sync

Card payments, claims and receipts sync to Xero, QuickBooks and NetSuite, with account and tax fields filled in before syncing.

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.

Aspire

• Basic$0

  No monthly fee. Free US transfers, 13 currency accounts, virtual cards, bills, budgets, claims and invoices; you pay FX and SWIFT fees as you use them.

Rho

Pricing could not be confirmed. See rho.co.