Lili 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 Lili 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:
Lili
Online banking and financial management designed for small businesses and freelancers.
Relay
Online business banking for clear cash flow, meticulous organization, and financial control.
| At a Glance | Lili | Relay |
|---|---|---|
Starts at | Free plan, paid from $15/mo flat, billed monthly Lili Pro plan | Free plan, paid from $30/mo, billed monthly Grow plan |
Category | Accounting Finance | Finance Accounting |
Rating | n/a | 4.2/5 G2 4.2 31 reviews |
Free plan | Yes | Yes |
Choose Lili or Relay?
Choose Lili if
- You need accounting features specifically.
Choose Relay if
- You need finance features specifically.
In-Depth Analysis
Lili
Online banking and financial management designed for small businesses and freelancers.
Lili offers a generous free tier, 'Lili Core', providing essential banking features, which is excellent for new freelancers or very small businesses.
Strengths
- Pro: No monthly fees for the Core bank account
- Pro: No minimum balance requirements
- Pro: High APY on savings account
- Pro: Comprehensive financial tools (banking, bookkeeping, invoicing, taxes) in one place
- Pro: Strong security features and FDIC insurance
Weaknesses
- Con: Business credit and expedited check deposits may have specific eligibility or fees not fully disclosed on the main page
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: Lili vs Relay
| Tool | Plans and prices | Source |
|---|---|---|
| Lili |
| lili.co/plans read Nov 7, 2026 |
| Relay |
| relayfi.com/pricing read Nov 10, 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 Lili pricing and Relay pricing.
Key Takeaways
Lili
- Worth considering for accounting
Relay
- Worth considering for finance
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); Lili has none we can show.
- Entry prices are not ranked, they are charged on different bases: Lili $15/mo flat, 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 Lili 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); Lili has none we can show. Entry prices are not ranked, they are charged on different bases: Lili $15/mo flat, billed monthly; Relay $30/mo, billed monthly. Both have a free plan.
What are Lili and Relay used for?
Lili: Online banking and financial management designed for small businesses and freelancers. Relay: Online business banking for clear cash flow, meticulous organization, and financial control.
What does Lili cost vs Relay?
Lili's cheapest paid plan is Lili Pro at $15/mo flat, 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 Nov 10, 2026.
What's the main difference between Lili and Relay?
Lili's main strength: no monthly fees for the Core bank account. Relay's main strength: good for small business.
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