Relay | Business Banking

454 reviews
Content rating
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About this app

Relay is a no-fee, online business banking and money platform that puts you in complete control of your cash flow.

The banking basics… and beyond
Robust business banking features without the usual fees, branch visits or paperwork.

• Bank without account fees or minimum balances that tie up cash flow
• Open up to 20 individual checking accounts
• Issue 50 virtual and physical debit cards
• Send and receive payments via ACH, wire or check
• Collect payments from tools like PayPal, Stripe, Square and more
• Get hands-on help whenever you need it

Cash flow that’s as clear as day
Always be on top of what your business is earning, spending and saving.

• Apportion income to expense and reserve accounts (like operations, payroll and taxes)
• Organize spend using dedicated debit cards (like travel and marketing)
• Get ultra-detailed transaction data that takes the grind out of expense tracking
• Simplify and speed up bookkeeping with direct QuickBooks Online and Xero integrations

Banking that’s better because it’s done together
Work with financial advisors and team members without compromising security or convenience.

• Invite your accountant, bookkeeper or team members to Relay
• Control what each invited user can do and see in your bank account
• Safely share banking data and monthly statements
• Delegate financial management tasks like paying the bills

Plus, Relay’s security features provide peace of mind. Logins are protected by two-factor authentication and biometric security, and you can feel safe knowing that you’re FDIC insured up to $250,000 per business.

Learn more at
Updated on
May 2, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

436 reviews
Acme Ventures LLC
May 7, 2022
A good clean and simple business banking solution that just works. Everything is easy to find and manage online. The subscription service for $30/mo is optional, we tried it out on the trial and decided not to use it but we still have access to the banking services, ACH, and virtual cards. Its really only worth it if you need to send a lot of same day ACH payments. Definitely worth giving Relay a try.
16 people found this review helpful
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Marla Bruce
April 25, 2022
I am really satisfied with Relay. It meets most of my business needs, there are no monthly charges, and it is extremely convenient. The number of subaccounts and debit cards (physical and virtual) is great. This allows me to ensure that money is directed to the correct area of my business, and there is no guesswork come tax time. The only reason they are not getting 5 stars is because set up was not a smooth process -- not at all. The time for a payment to clear seemed way too long in the beginning. I don't know if I have gotten used to the amount of time it takes now or if they are clearing faster since the account is not brand new, but money seems to be available a lot sooner than before. I also have to keep another business bank account with another bank because this one does not provide checks (mailing paperwork and sending a check in the mail separately does not work).
21 people found this review helpful
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Ezgi Janicek
May 30, 2023
The app is fine but their business sucks. Not a great option for a small business owner. You can't reach out thru phone even you try multiple times during the day. They are quick in responding email but nothing comes up useful from that. They can't give information or handle anything other than ask for the wait for. I have multiple small business accounts with them but it is not working. They recently changed their system which caused a lot of trouble. Not recommended!!!
24 people found this review helpful
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What's new

With this release we made it easier for you to upload photo receipts to Relay.