Last verified 32 days ago·15 sources·Updated automatically
Revolut Business and Rho compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.
Revolut Business
Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.
London, United KingdomGlobal Group operating HQ in London. US entity (Revolut Technologies Inc.) is in New York, NY.
New York, NY100 Crosby Street, New York, NY 10012
Employees
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345Approx. 342-351 per third-party aggregators (2026)
Pricing
Starting Monthly Price (USD)
$10Basic plan, $10/user/mo (US). No free plan in the US; Basic is the cheapest tier.
$0Free platform; $0 subscription and $0 per-user fees
Paid Tier Price (USD/user/mo)
$40Grow plan, $40/mo (US) — first step up from Basic, adds custom approvals, analytics, Business API.
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Card & limits
Card Type
debitUS cards are prepaid, drawn from the Revolut Business account balance.
charge cardCharge card by default — each day's spend is auto-debited from the linked Rho checking account; optional monthly credit terms available
Card Network
Visa or MastercardUS prepaid cards offered on both Visa and Mastercard (Revolut Prepaid Visa / Revolut Prepaid Mastercard), issued by Lead Bank.
MastercardIssued by Webster Bank N.A. on Mastercard
No Personal Guarantee
Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.
No personal guarantee, personal credit check, or personal credit score pull
Limit Basis
account balanceSpending is funded by and limited to the available Revolut Business account balance (prepaid/debit).
cash balance & revenueUnderwritten on revenue growth, spending patterns, and balance sheet liquidity
Virtual Cards
Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.
Spin up a virtual card in seconds; physical cards also available
No Foreign Transaction Fees
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1% foreign currency conversion fee on card spend abroad
Rewards & cash back
Rewards Model
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flat cash backUp to 1.5% cash back on all spend; no tiers, no categories
Flat Cash-Back Rate
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1.5%Up to 1.5% on qualifying spend, paid as statement credit
Spend management
Receipt Capture & Matching
AI receipt capture (photo/email) with OCR auto-fill and auto-matching to transactions, up to 98% match accuracy. Expense add-on, extra cost on all plans.
Receipt upload + Gmail connector auto-finds receipts; auto-coded and matched
Approval Workflows & Policies
Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above.
Approval rules by amount or team; off-policy spend flagged at point of use
Employee Reimbursements
Built-in out-of-pocket reimbursements with receipts and instant payouts, plus a mileage-claims tool. Part of the Expenses add-on (extra per-member fee).
Out-of-pocket reimbursements incl. mileage; paid from Rho checking (US bank accounts only)
Bill Pay / AP
US: pay suppliers, vendors and subscriptions via virtual company cards. Dedicated Revolut BillPay / AP invoice payment is not confirmed for the US (appears only on UK/global pages).
AP/bill pay via ACH, check, wire, card with approval routing; zero fees
Security & compliance
SOC 2
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SOC 2 Type II (report available via Trust Center)
Platform & integrations
Accounting / ERP Sync
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct, FreeAgent, Dynamics 365 Business Central, Odoo, Zoho Books and more; on all plans.
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct (real-time)
Public API
Public Business API (REST) for cards, transactions, payments; documented at developer.revolut.com. Available on Grow plan and above.
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The verdict
Revolut Business
Best for prepaid spend control and broad accounting sync
A balance-funded debit card capped at your account balance, with up to 50 virtual cards per member carrying per-card spend, category and country controls. It syncs natively to the widest set of ledgers here — QuickBooks, Xero, NetSuite, Sage Intacct, Dynamics 365, Odoo, Zoho Books and more — and exposes a public REST API on Grow. Note: it starts at $10/user/mo versus Rho's $0.
Best for free, cash-back charge spend with higher limits
No subscription or per-user fees, plus up to 1.5% flat cash back on all spend — neither of which Revolut Business lists. Its charge card is underwritten on revenue and balance-sheet liquidity rather than a prepaid balance, and full AP via ACH, check, wire or card runs at zero fees. SOC 2 Type II is documented. Trade-off: Mastercard only, and a 1% foreign-conversion fee.
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