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Relay

Relay

Relay is a modern business banking and money management platform designed for startups and SMBs that combines banking services with financial automation tools. It offers multiple checking accounts, virtual debit cards, and seamless integrations with accounting software to streamline financial operations.

Free plan available

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Features

Up to 20 individual checking accounts with no monthly fees
Unlimited virtual and physical debit cards for team spending
Real-time transaction notifications and spending controls
Direct integrations with QuickBooks, Xero, and other accounting platforms
ACH and wire transfers with detailed transaction tracking
Multi-user access with role-based permissions

Pros & Cons

Pros

  • +No monthly account fees or minimum balance requirements
  • +Unlimited free domestic wire transfers and ACH payments
  • +Intuitive interface designed specifically for small business needs
  • +Strong accounting software integrations for automated bookkeeping

Cons

  • -Limited physical branch access as it's digital-only banking
  • -Some advanced treasury management features require higher tiers
  • -International wire transfers incur fees
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Pricing

PlanPriceFeatures
Free$0/moUp to 20 checking accounts, Unlimited debit cards, Free ACH and domestic wires, Basic integrations
Pro$20/moEverything in Free, Advanced automation workflows, Priority support, Enhanced reporting tools
EnterpriseCustomEverything in Pro, Dedicated account manager, Custom integrations, Advanced treasury features

Quick Info

Starting Price
Free
Features
6 listed

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See how Relay stacks up against other tools

Relay vs sage-business-cloudRelay vs squareRelay vs stripeRelay vs waveRelay vs xeroRelay vs zoho-booksRelay vs benchRelay vs bill-comRelay vs brexRelay vs decimalRelay vs divvyRelay vs expensifyRelay vs foundRelay vs freshbooksRelay vs indineroRelay vs melioRelay vs mercuryRelay vs netsuiteRelay vs novoRelay vs paypal-businessRelay vs pilotRelay vs plootoRelay vs quickbooks-onlineRelay vs ramp

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