Rho vs Anna.
Rho (R73/100) and Anna (A58/100), 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 Anna 3-2.
| A Anna №57 · FCA 58 /100 | R Rho №25 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 73 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | £11 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Anna if…
The design-led mobile-first UK SMB neobank — Anna positions itself versus Tide as the friendlier UX with a focus on solo founders and freelancers. The Self Assessment + Corporation Tax filing tools are the structural differentiator versus Tide at the UK freelance tier. FCA-authorised EMI — funds safeguarded, NOT FSCS-protected (same structural trade-off as Tide).
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 1 of 4
- Best for protection Rho won 1 of 2
- Best for reach Tied
- Best for ux Anna won 2 of 2
Rho vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Rho?
Under our v3 methodology, Rho leads Anna 3–2 across 12 dimensions. Composite scores: Anna 58/100 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 Anna or Rho cheaper?
Monthly fee — Anna: £11; Rho: €0. Card FX markup — Anna: Interbank; Rho: Interbank. Rho wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Anna or Rho?
Anna holds a E-money inst. licence under FCA; 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 Anna and Rho?
Anna operates in 1 country; 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.