Rho vs Wise Business

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

Compare	RhoRho	Wise BusinessWise
In one line	Free checking with no-fee wires, cards, and bill pay	Multi-currency account for paying and getting paid abroad
Starting price	Free	$31 one-time setup
Six-person team	$0/mo	$31 one-time setup
Plans	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	$31 one-time setup fee; no monthly fee; conversion fees vary by currency; ATM withdrawals free up to $250/mo, then $1.95 + 1.95%; volume discount over $25,000/mo
Pricing model	Free	Paid
Free trial	—	—
Users	Unlimited	Multiple
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle	Wave, Zoho Books
Team size	2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US	US · UK · CA · AU
Phone support	Every plan	Every plan (US)
Live chat	Every plan	Not looked up yet
Support hours	Phone: 24/7 · Email: 24/7 · Live chat: 24/7	Phone: 24/7
Incidents posted	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	5 incidents posted on Wise's status page, which covers all Wise products and regions, in the 90 days to Oct 27, 2026; 1 marked major or critical by Wise. Status page
Capterra score	5.0 / 5 from 2 reviews (few reviews)	3.7 / 5 from 91 reviews
Trustpilot score	4.2 / 5 from 41 reviews	Not listed
Fit: Retail shop	45	25
Fit: Restaurant or café	35	15
Fit: Service business	80	45
Fit: Agency or studio	88	65
Fit: Trades or contractor	50	20
Fit: Online store	82	65
Why people pick it	Free domestic wires and same-day ACH Cards, bill pay, and expenses in one account	Mid-market exchange rate Local account details abroad
Where it falls short	No cash deposits No interest on checking or on savings under $25K	Not a full US bank account; pair it with one Fees on every conversion
	Visit Rho ↗	Visit Wise Business ↗

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