Small businesses choose Relay over Bluevine.
Every Relay plan comes with 20 checking accounts, auto-transfers with a ready-made Profit First template, and customizable team controls. No minimum balance. No spending target.
Open an account- 150K+Businesses served
- $1B+In managed customer deposits
- $0Hidden fees
Three reasons owners go with Relay.
More room to organize your money
Stop squeezing your business into a handful of accounts. Relay gives you up to 20 checking accounts on every plan, so payroll, taxes, profit, and expenses each get a place of their own. Bluevine’s free plan stops at five.
More control before money moves
Seeing a transaction isn’t the same as controlling it. Set card limits, block merchant categories, and require sign-off before a purchase goes through. When you add someone to your account, you decide exactly what they can see and do.
Fewer hoops to jump through
You shouldn’t need a six-figure balance or a card-spend quota to get the good stuff. On Relay, your number of accounts and your wire and ACH pricing don’t change with your balance. You get the same deal whether you’re holding $5,000 or $500,000.
How we stack up.
| Feature |  |  |
|---|---|---|
| Accounts on the $0 plan | 20 | 5 |
| Official banking platform for Profit First | Relay: yes | Bluevine: no |
| Card transaction approvals | Relay: yes | Bluevine: no |
| Vendor and category restrictions | Relay: yes | Bluevine: no |
| Native invoice payment processing | Relay: yes | Bluevine: no |
| Customizable team permissions | Relay: yes | Bluevine: no |
| Automatic receipt matching | Relay: yes | Bluevine: no |
Relay is definitely, by far, better than its competitors. If you’re looking for a corporate account and reliable banking platform, look no further.”
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Still comparing? Let’s make it simple.
No. Open Relay first, connect your current banking platform, and move over at your own pace.
Yes. Relay is a good alternative to Bluevine for small business owners who want more accounts, more control over spending, and pricing that doesn’t depend on their balance. Every Relay plan, including the $0 Starter plan, includes 20 checking accounts. Bluevine’s free plan includes five, and getting 50 requires its $95/month plan, or a $100,000 balance plus $5,000 a month in card spend. Relay also offers:
- A ready-made Profit First template for auto-transfer rules
- Same-day ACH for $0–$1, compared with $5–$10 on Bluevine
- Approval before a card purchase clears, while Bluevine relies on limits and alerts
- Custom team permissions, while Bluevine’s additional users choose from a few fixed roles
What you get before you pay more or hit a balance. Every Relay plan, including the $0 Starter plan, includes 20 checking accounts and the same ACH and wire pricing no matter how much is in your account. On Bluevine, you get five sub-accounts until you pay for a higher plan or keep a $100K balance and spend $5K a month on its card.
Yes. Invite team members, accountants, and bookkeepers, each with their own login. Start from a preset role or build a custom one, so everyone gets the access they need and nothing more.
You don’t have to figure this out alone. Relay’s Customer Experience team is available by phone Monday to Friday, 9 a.m. - 8 p.m. ET at 1-888-205-9304.