Lili vs Rho

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	LiliLili	RhoRho
In one line	Business checking with accounting and invoicing on the paid plans	Free checking with no-fee wires, cards, and bill pay
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	Core $0/mo; Pro $15/mo; Smart $35/mo (accounting, invoicing); Premium $55/mo; intro discounts for 3 months	No monthly or per-user fees; free ACH, same-day ACH, and domestic wires; international payments 1% FX fee + optional $15 SWIFT fee; savings up to 1.00% APY from a $25K balance
Pricing model	Free tier	Free
Free trial	—	—
Users	1 owner	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record50+ listed by the vendor	Puzzle
Team size	Just me	2–10 people · 11–50 people · 51–200 people
Available in	US	US
Phone support	Plans not stated	Every plan
Live chat	None listed	Every plan
Support hours	Not published	Phone: 24/7 · Email: 24/7 · Live chat: 24/7
Incidents posted	We found no public status page for Lili.	1 incident posted on Rho's status page in the 90 days to Oct 27, 2026; 1 marked major or critical by Rho. Status page
Capterra score	Not listed	5.0 / 5 from 2 reviews (few reviews)
Trustpilot score	4.7 / 5 from 4,481 reviews	4.2 / 5 from 41 reviews
Fit: Retail shop	40	45
Fit: Restaurant or café	30	35
Fit: Service business	82	80
Fit: Agency or studio	72	88
Fit: Trades or contractor	72	50
Fit: Online store	55	82
Why people pick it	Free core account Books and invoices in the banking app	Free domestic wires and same-day ACH Cards, bill pay, and expenses in one account
Where it falls short	Paid tiers add up Thin for teams	No cash deposits No interest on checking or on savings under $25K
	Visit Lili ↗	Visit Rho ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices