Skip to content
Toolradar
Relay logo

Relay

Claim this tool Editor reviewed

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

From $30/mo (free plan available)
Freemium Finance Accounting Expense Management Invoicing
Visit Website
Reviews on G2
31 reviews tracked

The Bottom Line

Price
From $30/mo (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?

Editorial review
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

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 Oct 6, 2026

Relay plans and prices, checked October 2026
PlanPriceDetails
Starter

$0

  • 20 checking accounts
  • 2 savings accounts (1.03% APY)
  • 50 debit/credit cards
+2 more
  • Receipt capture
  • Accounting integrations
Grow

$30/month

  • 1.75% APY on savings
  • Bill pay automation
  • Bookkeeping sync
+2 more
  • Invoicing features
  • Priority support
Scale

$90/month

  • 3.03% APY on savings
  • 50 accounts
  • AI-powered automation
+2 more
  • 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

At $30/mo, billing unit not specified, Relay is mid-range of its 4 comparable direct competitors ($20 to $50/mo across the set).

Mercury
$20
Xero
$25
Relay
$30
QuickBooks
$38
Float
$50

Entry paid plan, monthly. Pricing checked Oct 6, 2026.

Reviews

Improve Your Thinking Patterns Using ChatGPT cover
$99 Free with your review

Review Relay, get a free AI guide

Share your experience and we will send you Improve Your Thinking Patterns Using ChatGPT, free.

Write a review
4.2/5

Across 31 verified user reviews on G2

Add your hands-on experience using the offer above to help the next buyer.

Best Relay Alternatives

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

View full list →
Wise logo
Wise Freemium

International money transfers and accounts

4.1
Xero logo
Xero Paid

Cloud accounting with automated bank feeds and online invoicing

4.4
QuickBooks logo
QuickBooks Paid

Small business accounting software

4.4
Spendesk logo
Spendesk Paid

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

4.6
Mercury logo
Mercury Free

Business banking for startups. Open an account online in minutes

4.6
Float logo
Float Paid

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

4.8
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 QuickBooks Head-to-head: features, pricing, who wins

Explore More

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.

Source: relayfi.com

Guides & Articles

Best Free Accounting Software in 2026

Features Relay

Best Free Expense Management Tools in 2026

Features Relay

Best Business Bank Accounts for Startups in 2026

Features Relay