The Rho Insider’s Guide
Everything we know about Rho in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Rho
The Insider’s Guide
Business banking, corporate cards and expense tools in one app
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Rho’s own pages.
Made by Under Technologies, Inc. (Rho Technologies) · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Rho’s own pages, its app-store listings and our grades. Every fact in it is on Rho’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
1.6
GPA, above 2 of the 51 other spend and bill pay tools we grade
Rho offers business banking, payments and corporate card products, with expense tools for receipts and reimbursements. Its App Store listing says Rho is not a bank: banking services are provided and cards issued by Webster Bank, N.A., Member FDIC. Rho's own website blocked automated reading, so this entry rests on the iPhone app listing.
To get you started, here are 7 things to know about Rho, taken from its own pages and our grades.
The listing has no price, Rho says it is not a bank, and only an iPhone listing could be read.
- 1
Best for managing a Rho business card and bank account on iPhone
Rho is the iPhone app for its business banking and cards, with receipts, reimbursement requests and payment approvals.
- 2
It runs on iOS
iOS.
- 3
Card management
The app lets users monitor, lock and create Rho cards, and add cards to a mobile wallet.
- 4
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.
- 5
Reimbursement requests
Staff can request reimbursement for mileage and out-of-pocket spend from the app.
- 6
A 1.6 GPA, above 2 of 51
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 7
Keep it
To replace Rho you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Rho at a glance
- Pricing
- Paid
- Free plan
- No
- Free trial
- None stated
- Runs on
- iOS
- Made by
- Under Technologies, Inc. (Rho Technologies)
- Category
- Spend & Bill Pay
- Our grade
- 1.6 GPA, weak
The report card
Best for managing a Rho business card and bank account on iPhone
Rho is the iPhone app for its business banking and cards, with receipts, reimbursement requests and payment approvals. The listing has no price, Rho says it is not a bank, and only an iPhone listing could be read.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | No 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 | F | No free plan and no trial on record, so nothing to try before paying. |
| Features | C | Card management, receipts, reimbursement requests, payment approvals and balances. It is an account companion more than a full expense system. |
| Ease of use | C | 4.6 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 | C | iPhone only on record, with no web or Android listing confirmed. One family of devices. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Rho is for
- 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
Who it is not for
- 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
Good to know
Good for
- Companies that want banking, cards and expense tracking from one provider
- Employees who file receipts and request reimbursement from a phone
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
Rho's current pricing could not be confirmed from its own site.
No price could be read, as rho.co blocked automated requests.
We could not confirm Rho’s current prices from its own site, so this guide lists no plans. rho.co has them.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: iOS
Business banking, corporate cards and expense tools in one app. Here is what it does, as its own site describes it, and what it covers: expense tracking, bill pay, company cards.
Card management, receipts, reimbursement requests, payment approvals and balances.
- 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.
Where it runs
- iOS
What it works with
Its own pages name no integrations.
Rho is made by Under Technologies, Inc. (Rho Technologies).
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
2/51
Other spend and bill pay tools it is graded above
Rho's GPA of 1.6 is higher than 2 of the 51 other spend and bill pay tools we grade, and level with 4.
It stands best on value for money (C, above 3 of 51) and worst on free plan and trial (F, above 0).
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Rho’s own letter is outlined.
- CValue for moneyAbove 3 of 51
- FFree plan and trialAbove 0 of 51
- CFeaturesAbove 3 of 51
- CEase of useAbove 0 of 51
- CPlatforms and integrationsAbove 0 of 51
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Rho you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 45 of the 51 other spend and bill pay tools grade higher.
What you could make
- Expense tracking: an app builder makes this well.
What you could not
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for iOS. Something home-made would be a web page.
What this rests on. Rho’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Brex, Ramp, Airwallex, Aspire and BILL
The 5 tools Rho is most often weighed against, with where each one differs from it.
- 3.6GPA
Brex
Free plan · from $12/mo
Corporate cards, expenses, bill pay and travel for growing companies.
- Brex has a free plan. Rho does not.
- Only Brex lists a web app.
- Only Brex lists an Android app.
- 3.6GPA
Ramp
Free plan · from $15/mo
Corporate cards, expenses, travel and bill pay, with a free plan.
- Ramp has a free plan. Rho does not.
- Only Ramp lists a web app.
- Only Ramp lists an Android app.
- 3.2GPA
Airwallex
Free plan · from $12/mo
Multi-currency business accounts, cards, bill pay and expenses.
- Airwallex has a free plan. Rho does not.
- Only Airwallex lists a web app.
- Only Airwallex lists an Android app.
- 3.0GPA
Aspire
Free
Free business account with global payments, cards and expense tools.
- Aspire has a free plan. Rho does not.
- Only Aspire lists a web app.
- Only Aspire lists an Android app.
- 2.6GPA
BILL
Free plan · from $49/mo
Bill pay, invoicing and free company cards for small businesses.
- BILL has a free plan. Rho does not.
- Only BILL lists a web app.
- Only BILL lists an Android app.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
9
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Rho free?
No. Rho is a paid product.
What platforms does Rho work on?
Rho is available on iOS.
Does Rho have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. Rho is listed for iOS.
Does Rho have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Rho is listed for iOS.
Is Rho open source?
Rho is not described as open source on its own site, as read on Nov 12, 2026.
Who makes Rho?
Rho is made by Under Technologies, Inc. (Rho Technologies).
What are the alternatives to Rho?
The closest alternatives to Rho in our directory are Brex, Ramp, Airwallex, Aspire and BILL.
How does Rho compare with other spend and bill pay tools?
Rho's GPA of 1.6 is higher than 2 of the 51 other spend and bill pay tools we grade, and level with 4.
Could I make my own version of Rho?
To replace Rho you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Where this guide comes from
The prices, plans, platforms and features were read from Rho’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Rho's own pages on 12 November 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Under Technologies, Inc. (Rho Technologies). Prices change, so check rho.co before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Rho, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/rho
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Rho: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/rho
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/rho/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Rho, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 52 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Rho’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Rho is a trademark of its owner, and this guide is not made, paid for or approved by Under Technologies, Inc. (Rho Technologies). Prices and plans change: check rho.co before you buy.