Rho vs. Mercury

Startups prefer Rho's 24/7 customer support and finance automation without monthly plan paywalls.

Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.

James Liang

“We’ve been with Rho since we launched Spark. Understanding team spend in real-time has been incredibly important to us.”

James JiangCEO & Co-Founder

Why startups choose Rho over Mercury

Rho is designed to scale with your business – no additional software subscriptions or annoying monthly fees required.

How Rho compares to Mercury

A scalable finance platform backed by award-winning 24/7 support – without monthly fees.
RhoMercury

Zero monthly subscription fees

Yes

$350/Pro Plan

Premium customer support

Yes

Relationship manager limited to $350/month Mercury Pro plan

Fee-free Same Day ACH and wires

Yes

Yes

Native accounting software integrations

Yes

Native only offered with QuickBooks Online
& Xero

Expense management

Yes

No

Bill Pay

Yes

Process up to 20 bills/month + $2/additional bill

Minimum checking deposit requirement

N/A

Must maintain $25K in a Mercury account to qualify for IO and keep your credit account active.

FDIC Deposit Insurance2

Up to $75M with Rho Savings Account.2

Up to $5M with Mercury Vault.

Partner Banks

Webster Bank, N.A.

Evolve Bank & Trust, Choice Financial

Cash management instrument offered

U.S. Treasury Bills via Rho Treasury1

Money market funds via Brex Treasury

Rho

Zero monthly subscription fees

Yes

$350/Pro Plan

Premium customer support

Yes

Relationship manager limited to $350/month Mercury Pro plan

Fee-free Same Day ACH and wires

Yes

Yes

Native accounting software integrations

Yes

Native only offered with QuickBooks Online
& Xero

Expense management

Yes

No

Bill Pay

Yes

Process up to 20 bills/month + $2/additional bill

Minimum checking deposit requirement

N/A

Must maintain $25K in a Mercury account to qualify for IO and keep your credit account active.

FDIC Deposit Insurance2

Up to $75M with Rho Savings Account.2

Up to $5M with Mercury Vault.

Partner Banks

Webster Bank, N.A.

Evolve Bank & Trust, Choice Financial

Cash management instrument offered

U.S. Treasury Bills via Rho Treasury1

Money market funds via Brex Treasury

Competitive data was collected from the Mercury website as of September 29, 2024, and is subject to change or update.

1 Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. 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 and past performance does not guarantee 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. Treasury and custodial services provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024. Please see the ADV-2A Wrap Fee Brochure for further information regarding fees and Rho Treasury.

2 Checking account and card services provided by Webster Bank, N.A., member FDIC; any deposits FDIC-insured up to $250K per depositor. Savings account services and up to $75M in FDIC insurance provided by American Deposit Management Co. and its partner banks. Rho is a financial technology company, not a bank or an FDIC-insured depository institution. The FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured bank that holds your deposits and is subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. For more information on deposit insurance, please visit the FDIC website.

Cultivate a culture of 
frugality and focus

Extend your runway, keep spend controlled, and automate finance busywork so you can focus on building.
One balance view

Rho Checking³

Manage cash, payroll, payments, and vendors from one connected account with full visibility across inflows and outflows.

A smartphone screen displays a confirmation message: "Your check deposit was successful!" with check images in the background.
Total spend control

Rho Corporate Card³

Issue cards instantly, set limits, and track every doller - while earning up to 2% cashback with zero platform fees.

Silver Rho Platinum Mastercard with embossed logo and text on a plain background.
Put idle cash to work

Rho Treasury⁴

Earn up to 4.25% yield on your cash with Rho Treasury.³

Stacked area chart showing total yield earned of $135,264.08 from January to April, with increasing values in each month.

Make finance frictionless with Rho today

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³Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. 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 and past performance does not guarantee 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. Treasury and custodial services provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024. Please see the ADV Wrap Fee Brochure for further information regarding fees and Rho Treasury.



⁴International wires in USD can be subject to additional fees set by recipient, correspondent, or intermediary banks, in addition to the SWIFT network. Rho reserves the right to charge a 3% late fee on a delinquent balance for up to six months, unless prohibited by law.

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We’re ready

when you are.

Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.