Relay

Name: Relay
Brand: Relay
Price: 30 USD
Rating: 4.2 (31 reviews)

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Online business banking for clear cash flow, meticulous organization, and financial control.

From $30/mo, billed monthly (free plan available)

Freemium Finance Accounting Invoicing Expense Management

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4.2 (31 across the web)

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Reviews on G2

31 reviews tracked

The Bottom Line

Updated Nov 10, 2026

Price: From $30/mo, billed monthly (free plan available). Compare plans

Key facts

Provides online business banking with up to 20 checking accounts for cash flow clarity.
Offers integrated tools for bills, expenses, invoicing, and accounting integrations.
Features competitive savings APY, cash back on credit cards, and FDIC insurance up to $3M.

Pros

Good for small business
No hidden fees
Multiple accounts
Profit First friendly
Good mobile app

Cons

Fewer features than Mercury
Limited integrations
No interest on checking
Smaller startup focus
Some limitations

What is Relay?

Relay offers online business banking services designed to provide small businesses with complete control and clarity over their cash flow. It enables users to manage earnings, spending, and savings effectively through features like multiple checking accounts, savings accounts with competitive APY, and various payment options including ACH, checks, and wires. The platform emphasizes eliminating hidden fees and minimums, making it suitable for businesses looking for transparent financial management. Beyond core banking, Relay integrates tools for bills and expenses management, invoicing, and accounting. It supports strategies like "Profit First" by allowing users to set up multiple accounts for different purposes. With options ranging from a free Starter plan for solopreneurs to paid plans for growing and larger teams, Relay provides scalable solutions including cash back on credit card spending, customizable cards with spend policies, bill approval workflows, and AI-powered automation for invoicing and insights. It aims to centralize banking, bills, expenses, and invoicing into one platform for streamlined operations.

Available on: Web

Data compiled by Toolradar Pricing checked Nov 10, 2026 · How we evaluate

Source relayfi.com

Ratings Across the Web

4.2 (31 reviews)

Relay holds an aggregate rating of 4.2 out of 5 from 31 reviews across G2, last checked September 5, 2026.

G2 31 reviews

4.2/5

Ratings aggregated from independent review platforms. Learn more

Key Features

Business banking
Multiple accounts
Team permissions
Cash flow tools
Integrations
No fees

Pricing Plans

Pricing checked Nov 10, 2026. Source: relayfi.com/pricing, read Nov 10, 2026

Relay plans and prices, checked November 2026
Plan	Price	Details
Starter	$0	20 checking accounts 2 savings accounts (1.03% APY) 50 debit/credit cards +2 more Show less Receipt capture Accounting integrations
Grow	$30/month	1.75% APY on savings Bill pay automation Bookkeeping sync +2 more Show less Invoicing features Priority support
Scale	$90/month	3.03% APY on savings 50 accounts AI-powered automation +2 more Show less Same-day ACH and wires Branded invoicing

Calculate your cost View full pricing

Is Relay worth the price?

Good value

Relay's pricing is quite generous, especially with a robust free 'Starter' tier offering 20 checking accounts and 1.03% APY on savings.

The 'Grow' tier at $30/month adds significant automation, making it a fair step up for growing businesses. The 'Scale' tier at $90/month, with 3.03% APY and advanced AI features, offers strong value for larger operations seeking high-yield and extensive control.

Full Relay pricing: every plan, hidden costs and alternatives

How Relay's pricing compares

Relay starts at $30/mo, billed monthly. Its direct competitors are priced on a different basis (per user, or in another currency), so each entry price below is shown with its own unit and currency and is not ranked against the others.

Relay

$30/mo, billed monthly

Xero

$27/mo flat, whole organisation, billed monthly

Float

$265/mo flat, whole organisation, billed monthly

QuickBooks

$38/mo flat, whole organisation, billed monthly

Mercury

$35/mo flat, whole organisation, billed monthly

Entry paid plan, monthly price (billing term shown per row), in each tool's own currency. Pricing checked Nov 10, 2026.

Relay by the numbers

Toolradar data: Relay's entry paid plan ($30/mo, billed monthly) ranks #24 of 32 (joint) for price among the Expense Management tools with a verified entry price and no stated unit, where the median is $11.19/mo. It is listed as an alternative to 11 other tools on Toolradar, ranking #15 of 90 in Expense Management. As of Nov 2026.

Relay compared with 90 Expense Management tools on Toolradar, as of Nov 2026
Metric	Relay	Peer median	Position (1 is best)
Entry paid plan	$30/mo, billed monthly	$11.19/mo	#24 of 32 (joint) tools with no stated price unit, verified price
Free plan	Yes	44% have one	n/a
Listed as an alternative to	11 tools	3	#15 of 90
User rating	4.2/5 (across the web, 31 ratings)	4.5/5	#50 of 59 tools with 20+ reviews

Listed as an alternative to: #15 on 2026-10-16 to #15 on 2026-11-05 (rank among 90 tools, 1 is best).

Each position is counted among the tools that have data for that row, as noted under it. A lower entry price ranks higher; prices are read on vendor pages and compared only with tools priced on the same basis. All Expense Management data · How we compute this. Advertising and placement fees are not inputs to any position.

Cite this: Toolradar, “Relay by the numbers”, Nov 2026.

Reviews

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4.2/5

Across 31 verified user reviews on G2

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Best Relay Alternatives

Top alternatives based on features, pricing, and user needs.

View full list →

Wise Freemium

International money transfers and accounts

4.1

Xero Paid

Cloud accounting with automated bank feeds and online invoicing

4.4

Float Paid

Unlock cash visibility and make confident financial decisions with visual cash flow forecasting.

4.5

QuickBooks Freemium

Small business accounting software

4.4

Spendesk Paid

Centralized spend management for businesses, offering control, efficiency, and real-time insights.

4.6

Mercury Freemium

Business banking for startups. Open an account online in minutes

4.6

See all finance tools →

Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

All Relay alternatives 6+ tools ranked, pricing + verdict per pick Relay vs Wise Head-to-head: features, pricing, who wins Relay vs Xero Head-to-head: features, pricing, who wins Relay vs Float Head-to-head: features, pricing, who wins

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Relay FAQ

How does Relay help businesses manage their cash flow effectively?

Relay provides online business banking services that allow small businesses to gain complete control and clarity over their cash flow. It enables users to manage earnings, spending, and savings through features like multiple checking accounts and savings accounts with competitive APY.

Which teams would benefit most from using Relay?

Relay is particularly well-suited for small businesses and solopreneurs looking for transparent financial management without hidden fees or minimums. It offers scalable solutions from a free Starter plan to paid plans for growing and larger teams.

How is Relay priced for businesses?

Relay is available on a free tier, with additional paid plans that offer more usage and features. This allows businesses to choose a plan that aligns with their specific needs and growth stage.

What kind of limitations should users be aware of with Relay?

Relay has fewer features compared to some competitors and offers limited integrations with other platforms. Additionally, it does not provide interest on checking accounts and is primarily focused on smaller startup businesses.

Can Relay support the 'Profit First' methodology for financial organization?

Yes, Relay supports strategies like 'Profit First' by allowing users to set up multiple accounts for different purposes. This feature helps businesses meticulously organize their finances and allocate funds effectively.

How does Relay compare to Mercury for business banking?

Relay is designed for small businesses and offers transparent financial management with no hidden fees, while Mercury generally provides a broader range of features. Relay focuses on clear cash flow and meticulous organization, though it has fewer features overall than Mercury.

Does Relay offer tools for managing bills and expenses?

Yes, Relay integrates tools for bills and expenses management, alongside its core banking features. It also includes bill approval workflows and customizable cards with spend policies to streamline financial operations.

How does Relay pricing compare with other Expense Management tools?

Relay's entry paid plan ($30/mo, billed monthly) ranks #24 of 32 (joint) for price among the Expense Management tools with a verified entry price and no stated unit, where the median is $11.19/mo. Prices are read on each vendor's own pricing page and compared only with tools priced on the same basis. Source: Toolradar, Nov 2026.

Does Relay have a promo code or discount code?

As of November 10, 2026, Toolradar has no Relay promo code, coupon or discount code on file. Relay's own pricing page (https://relayfi.com/pricing, read November 10, 2026) does list a free plan, so you can start without a code. Offers change, so confirm the terms at checkout.

Source: relayfi.com

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