Float Financial vs Relay: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Float Financial and Relay side by side. This page compares data; it is not a hands-on review.
On the data: On the data below the two are close or not directly comparable, so we do not name a winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Float Financial
Manage business accounts, payments, expenses, and controlled CAD and USD cards
Best for you if:
- • You want essentials is listed as a free tier
Relay
Online business banking for clear cash flow, meticulous organization, and financial control.
Best for you if:
- • You want good for small business
| At a Glance | Float Financial | Relay |
|---|---|---|
Starts at | Free plan, paid from C$10/user/mo, billed monthly Professional plan | Free plan, paid from $30/mo, billed monthly Grow plan |
Category | Expense Management Finance | Finance Accounting |
Rating | n/a | 4.2/5 G2 4.2 31 reviews |
Free plan | Yes | Yes |
Watch out for | 0.25% FX rate on foreign transactions | n/a |
Choose Float Financial or Relay?
Choose Float Financial if
- You want essentials is listed as a free tier
- You want no personal guarantee, according to Float
- You work in expense management, not finance
Choose Relay if
- You want good for small business
- You want no hidden fees
- You work in finance, not expense management
In-Depth Analysis
Float Financial
Manage business accounts, payments, expenses, and controlled CAD and USD cards
The 0.25% FX rate and cashback only for high spend are typical for the category.
Watch out
0.25% FX rate on foreign transactions
Strengths
- Pro: Essentials is listed as a free tier
- Pro: No personal guarantee, according to Float
- Pro: Both CAD and USD cards are issued
Weaknesses
- Con: Prices are shown in CAD only, with no USD prices
- Con: The 1% cashback rate requires a qualifying level of monthly spending per card program, and terms, eligibility and caps apply
- Con: More than twenty physical cards require the Professional plan
- Con: Float states it is not a bank
Key features
Relay
Online business banking for clear cash flow, meticulous organization, and financial control.
Relay's pricing is quite generous, especially with a robust free 'Starter' tier offering 20 checking accounts and 1.03% APY on savings.
Strengths
- Pro: Good for small business
- Pro: No hidden fees
- Pro: Multiple accounts
- Pro: Profit First friendly
- Pro: Good mobile app
Weaknesses
- Con: Fewer features than Mercury
- Con: Limited integrations
- Con: No interest on checking
- Con: Smaller startup focus
- Con: Some limitations
Key features
Plans and prices: Float Financial vs Relay
| Tool | Plans and prices | Source |
|---|---|---|
| Float Financial |
| floatfinancial.com/pricing read Oct 21, 2026 |
| Relay |
| relayfi.com/pricing read Oct 18, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Float Financial pricing and Relay pricing.
Key Takeaways
Float Financial
- Choose if you want manage business accounts, payments, expenses, and controlled CAD and USD cards
Relay
- Choose if you want online business banking for clear cash flow, meticulous organization, and financial control
What the data shows
On the data below the two are close or not directly comparable, so we do not name a winner for this pair.
- Only Relay has a published user rating (4.2/5 from 31 reviews); Float Financial has none we can show.
- Entry prices are not ranked, they are charged on different bases: Float Financial C$10/user/mo, billed monthly; Relay $30/mo, billed monthly.
- Both have a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Float Financial and Relay compare in 2026?
On the data below the two are close or not directly comparable, so we do not name a winner for this pair. Only Relay has a published user rating (4.2/5 from 31 reviews); Float Financial has none we can show. Entry prices are not ranked, they are charged on different bases: Float Financial C$10/user/mo, billed monthly; Relay $30/mo, billed monthly. Both have a free plan.
What are Float Financial and Relay used for?
Float Financial: Manage business accounts, payments, expenses, and controlled CAD and USD cards. Relay: Online business banking for clear cash flow, meticulous organization, and financial control.
What does Float Financial cost vs Relay?
Float Financial's cheapest paid plan is Professional at C$10/user/mo, billed monthly; it also has a free plan. Relay's cheapest paid plan is Grow at $30/mo, billed monthly; it also has a free plan. Prices read on the vendors' pricing pages, latest check Oct 21, 2026.
What's the main difference between Float Financial and Relay?
Float Financial's main strength: essentials is listed as a free tier. Relay's main strength: good for small business.