Rho vs Found.
Rho (R73/100) and Found (F69/100), 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 Found 2-1.
| F Found №39 · FDIC 69 /100 | R Rho №25 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 73 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | $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 | — | — |
| 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 Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 Tied
- Best for reach Tied
- Best for ux Found won 1 of 2
Rho vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Rho?
Under our v3 methodology, Rho leads Found 2–1 across 12 dimensions. Composite scores: Found 69/100 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 Found or Rho cheaper?
Monthly fee — Found: €0; Rho: €0. Card FX markup — Found: 1.00%; 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, Found or Rho?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Rho holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Found and Rho?
Found 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.