Rho vs Wise.
Rho (R73/100) and Wise (W68/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Wise leads Rho 4-3.
| R Rho №25 · FDIC 73 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 73 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | E-money inst. FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 160 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
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.
Pick Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 1 of 4
- Best for protection Rho won 1 of 2
- Best for reach Wise won 2 of 3
- Best for ux Tied
Rho vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Rho better than Wise?
Under our v3 methodology, Wise leads Rho 4–3 across 12 dimensions. Composite scores: Rho 73/100 vs Wise 68/100. Wise is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Rho or Wise cheaper?
Monthly fee — Rho: €0; Wise: €0. Card FX markup — Rho: Interbank; Wise: Interbank. Wise 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, Rho or Wise?
Rho holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Rho is the stronger pick on regulatory protection.
Where can I use Rho and Wise?
Rho operates in 1 country; Wise operates in 160 countries. 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.