All-in-one money management
Starter
For solopreneurs and businesses just getting started.
Business banking essentials and simple tools to give you complete cash flow clarity.
Apply NowBanking
1.11% APY1
on savings accounts
1% cash back*
on credit cards
Bills & expenses
Bill creation, intake & management
Customizable cards with built-in spend policies
Multi-step bill approval rules
Receipt collection & storage
Invoicing
Payment request links
Invoice creation & tracking
Automated follow ups
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
1.75% APY1
on savings accounts
1.25% cash back*
on credit cards
Everything in Starter, plus
Bills & expenses
Savings on payment fees
Customizable bookkeeping automation
Spend approval requests
Batch vendor payments
Invoicing
Recurring invoices
Auto charge card on file
Surcharging
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
3.00% 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
Insights
Cash flow insights & forecasts
And more...
Special offers from Relay partners like Xero and Engine
Faster customer support by phone and email
Calculate your best-fit plan
Estimate your monthly costs, cash back, and interest earnings across each Relay plan—based on how your business actually runs. We’ll do the math and show you where you come out ahead.
Quick Presets
Business Profile
Average savings balance: $50,000
$1K $1M
Month credit card spend: $5,000
$0K $50K
Monthly Transactions
Your estimated monthly costs by plan.
starter
$0/ month
Banking
1.11% APY1
on savings accounts
1% cash back*
on credit cards
Transaction costs(Estimated)
$21Card cash back(1 month)
$50Interest earned(1 month)
$46.25Your estimated monthly earnings
$75.25
grow
$30/ month
Banking
1.75% APY1
on savings accounts
1.25% cash back*
on credit cards
Transaction costs(Estimated)
$13Card cash back(1 month)
$62.5Interest earned(1 month)
$72.92Your estimated monthly earnings
$92.42
scale
$120$90/ month
Banking
3.00% APY1
on savings accounts
1.5% cash back*
on credit cards
Transaction costs(Estimated)
$10Card cash back(1 month)
$75Interest earned(1 month)
$125Your estimated monthly earnings
$100
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. Certain conditions must be satisfied for pass-through deposit insurance coverage to app.This calculator is for illustrative purposes only and may not reflect actual monthly earnings on your account. The estimated monthly earning amount assumes you maintain the same average savings balance, same monthly credit card spend, and same monthly transaction volumes as depicted in the calculator. The comparison table compares the estimated earning amount based on the individual subscription plans. No minimum balance required.
For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 5/1/2026 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:
•When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.10% with an APY of 1.11%.
•When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.74% with an APY of 1.75%.
•When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.96% with an APY of 3.00%.
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