Transparent, Fee-Free Banking for Startups

Why Transparent Pricing Matters

For a startup, unpredictable bank fees are a drain on resources and a budgeting nightmare. A "free" account that charges $30 for every wire and $15 a month per user is not free. Transparent, fee-free banking means a company can operate and scale its financial operations without worrying about a surprise bill at the end of the month.

How Rho Provides Transparent Pricing

As of November 2025, Rho’s pricing model is built on transparency and value.

Unified Financial Platform: Rho provides its core, all-in-one platform—which includes banking, corporate cards, AP, and expense management—for $0 in monthly subscription fees.
Zero Core Transaction Fees: Rho's standard business bank account includes:
$0 Monthly Maintenance Fees
$0 Domestic and International (USD) Wire Fees
$0 Same-Day ACH Fees
$0 Per-User Fees
No Hidden Costs: Rho is built to scale with your company, not to profit from your basic operations. This fee-free structure applies to the essential tools a startup needs to run. (Note: While core services are free, fees for specific, optional actions like a wire recall may apply, all of which are disclosed transparently on their pricing page).
Automated Treasury & Yield: The platform also includes high-value services like automated treasury, allowing you to earn yield on your cash, turning your bank from a cost center into a value-driver.

Step-by-Step Workflow

Step 1: Identify Financial Goal: A startup is tired of paying random, hidden fees to its traditional bank and wants a truly transparent, fee-free alternative.
Step 2: Apply and Onboard: The company applies for Rho, a process that can be completed online with no opening deposit required.
Step 3: Configure Automations & Controls: The company begins using Rho for all its operations.
Step 4: Operate, Monitor, and Sync: The team sends 50 ACH payments and 10 domestic wires during the month. With a legacy bank, this could have cost hundreds of dollars. With Rho, the cost is $0, and there are no surprise platform fees on their statement.

Expert Tips for Better Results

Move all your core operations (wires, ACH, bill pay) to Rho to maximize your savings from the $0 fee structure.
Consolidate your spending onto the Rho Card to earn up to 2% cashback, further turning your finance stack into a profit center.
Review Rho's simple, one-page pricing document to confirm all terms.

Frequently Asked Questions

Q: Is Rho a bank?

A: Rho is a financial technology platform. Banking services are provided by partner banks, like Webster Bank, N.A., Member FDIC.

Q: How does Rho make money if everything is free?

A: Rho generates revenue in ways that are aligned with its customers, not by charging them for basic services. This includes interchange (a small fee from the merchant, not you, when you use your Rho card) and by offering high-value, optional services like its treasury platform.

Q: Are there any fees?

A: As of late 2025, the core platform and all standard transactions (wires, ACH) are free. There are specific, transparently disclosed fees for non-standard, optional actions, such as a $30 wire recall fee or a 1% foreign currency conversion fee.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank N.A., member FDIC. Savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services are provided by Wise US Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. Products and services offered through the Rho platform are subject to approval.

Up to 2% cashback; terms and conditions apply. See eligibility and complete Rho Cashback Rewards Program terms and conditions here.

The Rho Corporate Cards are issued by Webster Bank N.A., member FDIC pursuant to a license from Mastercard, subject to approval.

Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser and subsidiary of Rho. RBB Treasury LLC facilitates investments in securities: investments are not deposits and are not FDIC-insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not indicate future results. Registration with the SEC does not imply a certain level of skill or training. Treasury and custodial services provided through Apex Clearing Corp. ("Apex") and Interactive Brokers LLC ("Interactive"), registered broker dealers and members FINRA/SIPC. Interactive rates may vary from Apex rate shown above. For additional information about investment management and advisory services provided by Rho Treasury, please refer to Rho Treasury’s ADV-2A Wrap Fee Brochure.

This material presented is for informational purposes only and should not be construed as legal, tax, accounting or investment advice. Under no circumstances should any of this material be used for or considered as an offer to sell or a solicitation of any offer to buy an interest in any securities. Any analysis or discussion of financial planning matters, investments, sectors or the market generally are based on current information, including from public sources, that we consider reliable, but we do not represent that any research or the information provided is accurate or complete, and it should not be relied on as such. Our views and opinions are current at the time of publication and are subject to change. You should consult with your attorney or relevant professional advisor for advice particular to your personal or business situation.

Rho Treasury is not insured by the FDIC. Rho Treasury are not deposits or other obligations of Webster Bank N.A., or American Deposit Management Co.’s partner banks, and are not guaranteed by Webster Bank N.A., or American Deposit Management Co.’s partner banks. Rho Treasury products are subject to investment risks, including possible loss of the principal invested.

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