All-in-one money management
Banking and financial workflow software bundled together for every part of the small business journey.
Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank2, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. FDIC deposit insurance covers the failure of an insured bank. The Relay Visa® Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Relay Visa® Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa cards are accepted.
Starter
For solopreneurs and businesses just getting started.
Business banking essentials and simple tools to give you complete cash flow clarity.
Apply NowBanking
0.91% APY1
on savings accounts
1% cash back*
on credit cards
Bills & expenses
Bill creation, intake & management
Customizable cards with built-in spend policies
Receipt collection & storage
Invoicing
ACH debit +1% of transaction amount, capped at a maximum fee of $10 (whichever is lower)
Payment request links
Invoice creation & tracking
Accounting integrations
Quickbooks
Xero
Grow
For small teams with growing cash flow complexities.
Tools and automations to put you in control of financials and free of shortfalls.
Trial Grow for 14 daysBanking
1.55% APY1
on savings accounts
1.25% cash back*
on credit cards
Everything in Starter, plus
Bills & expenses
Savings on payment fees
Multi-step bill approval rules
Customizable bookkeeping automation
Spend approval requests
Batch vendor payments
Invoicing
ACH debit +0.75% of transaction amount, capped at a maximum fee of $10 (whichever is lower)
Recurring invoices
Auto charge card on file
Scale
For larger teams that want to scale more, faster.
AI-powered automation and insights to help you save time and max out margins.
Trial Scale for 14 daysBanking
2.68% APY1
on savings accounts
1.5% cash back*
on credit cards
Everything in Grow, plus
Bills & expenses
10 free same-day ACH per month
Bill payment automation
Invoicing
ACH debit +0.5% of transaction amount, capped at a maximum fee of $10 (whichever is lower)
AI-powered invoice reminder
Insights
Cash flow insights & forecasts
And more...
Special offers from Relay partners like Xero and Engine
Faster customer support by phone and email
COMPARE RELAY’S PLANS
Save by centralizing all of your banking, bills, expenses and invoicing into one platform.
 Banking | Starter $0/month
| Grow $30/month
| Scale Discounted for a limited time | |
| Checking accounts | 20 accounts per business | 20 accounts per business | 50 accounts per business | |
| Virtual and plastic debit cards | Up to 50 per cardholder per checking account | Up to 50 per cardholder per checking account | Up to 50 per cardholder per checking account | |
| Virtual and plastic credit cards | Up to 5 per cardholder per credit account | Up to 5 per cardholder per credit account | Up to 5 per cardholder per credit account | |
| Credit card cash back* | 1% | 1.25% | 1.5% |
BillsOne less app in your tech stack. Manage and pay bills where you bank to save time and money.
ExpensesControl, track and reconcile all card spending, and store receipts to always be audit-ready.
InvoicingSay bye to your standalone invoicing tool, and simplify how payment is requested and collected.
CollaborationSafely delegate financial tasks to your employees, bookkeeper and accountant.
IntegrationsKeep Relay in sync with all your money apps using best-in-class integrations.
Partner PerksUpgrade to Scale to take advantage of special offers from Relay's partners.
COMPARE RELAY’S PLANS
Save by centralizing all of your banking, bills, expenses and invoicing into one platform.
Starter
$0/mDiscounted for a limited timePopular
Grow
$30/mDiscounted for a limited timeBest value
Scale
BankingBillsExpensesInvoicingCollaborationIntegrationsPartner PerksRELAY COMES HIGHLY RECOMMENDED
Don't just take our word for it
Relay has been so great to me over the last three years. It has been so nice to be able to open multiple accounts without being charged ridiculous fees, like most big banks do.
Julia Skwarlo
Owner of A Wild Flowers Beauty