Rho vs Qonto.
Rho (R73/100) and Qonto (Q51/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Rho leads Qonto 6-2.
| Q Qonto №70 · Payment institution license 51 /100 | R Rho №25 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 51 /100 | 73 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.FR | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.8 ★ 50k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.8 · And 4.3 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
Pick Rho if…
The mid-market US business banking platform that pairs a free FDIC-insured operating account with corporate cards and AP automation in one stack — multi-entity consolidation as a first-class feature. The deposit story (sweep up to $75M via Webster Bank + partner-bank network) is the structural anchor that distinguishes Rho from charge-card-led competitors (Ramp, Brex) where the deposit account is secondary or beta.
- Best for fees Rho won 2 of 4
- Best for protection Rho won 2 of 2
- Best for reach Qonto won 1 of 3
- Best for ux Tied
Rho vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Qonto better than Rho?
Under our v3 methodology, Rho leads Qonto 6–2 across 12 dimensions. Composite scores: Qonto 51/100 vs Rho 73/100. Rho is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Qonto or Rho cheaper?
Monthly fee — Qonto: €9; Rho: €0. Card FX markup — Qonto: 1.70%; Rho: Interbank. Rho wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Qonto or Rho?
Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Rho holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Rho is the stronger pick on regulatory protection.
Where can I use Qonto and Rho?
Qonto operates in 8 countries; Rho operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.