Comparison
Holvi vs Rho
A side-by-side look at Holvi and Rho — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Holvi
Business account for freelancers and small business owners.
Holvi is a Nordic business account with invoicing, bookkeeping and cards — popular with freelancers in Finland, Germany and Austria.
Rho
All-in-one finance platform for growing companies.
Rho combines banking, treasury, corporate cards, AP automation and expense management for US mid-market companies — built around free unlimited users.
Side-by-side
| Spec | Holvi | Rho |
|---|---|---|
| Tagline | Business account for freelancers and small business owners. | All-in-one finance platform for growing companies. |
| Headquarters | Helsinki, Finland | New York, USA |
| Founded | 2011 | 2018 |
| Regions | EU | US |
| Card type | Mastercard debit | Charge card |
| Pricing | From €9/mo Lite to €29/mo Pro. | Free platform; no per-user fees. |
| Rewards | — | Up to 1.75% cashback. |
| Best for | Freelancers, Micro-businesses | Mid-market, Finance teams wanting banking + cards in one |
| Integrations | Xero, Holvi Books | NetSuite, QuickBooks, Sage Intacct, Xero |
Holvi: pros & cons
- Built for solopreneurs
- Limited country footprint
Rho: pros & cons
- No seat fees
- Banking + cards unified
- US-only
- Smaller brand than Brex/Ramp