Is Relay worth the price?
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.
Pricing Plans
Starter
Free
- 20 checking accounts
- 2 savings accounts (1.03% APY)
- 50 debit/credit cards
- Receipt capture
- Accounting integrations
Grow
$30/month
- 1.75% APY on savings
- Bill pay automation
- Bookkeeping sync
- Invoicing features
- Priority support
Scale
$90/month
- 3.03% APY on savings
- 50 accounts
- AI-powered automation
- Same-day ACH and wires
- Branded invoicing
Hidden Costs & Gotchas
Potential fees for international wires
Limits on free ACH/wire transactions
Higher APY tied to paid tiers
Which Plan Do You Need?
Small businesses needing basic banking
Growing businesses wanting automation
Larger operations seeking high APY
How Relay Compares to Competitors
Compared to Mercury, which offers free banking but charges for advanced features like higher APY or specific integrations, Relay's tiered structure is more transparent. Brex, another competitor, often focuses on corporate credit cards and expense management, making direct banking comparisons less straightforward, but Relay's free tier is more accessible than many traditional business banking options.
Relay Pricing FAQ
How much does Relay cost?
Relay starts at $30/month on the Grow plan. It offers 2 paid tiers ranging from $30/month up to $90/month. A free plan is also available with limited features.
Does Relay have a free plan?
Yes. Relay offers a free plan called "Starter". It includes: 20 checking accounts, 2 savings accounts (1.03% APY), 50 debit/credit cards.
What is the cheapest Relay paid plan?
The cheapest paid plan for Relay is "Grow" at $30/month. Key features include: 1.75% APY on savings, Bill pay automation, Bookkeeping sync.
Is there a cheaper alternative to Relay?
Yes. Popular alternatives to Relay include Mercury, Pleo. Free alternatives include Mercury, Pleo. Compare them side-by-side on Toolradar.
Cheaper alternatives to Relay
Direct competitors with similar features. Many offer free tiers or lower per-seat pricing.
