Relay is a United States business banking and money management platform built around organising cash across many accounts, with a free Starter plan and paid tiers, aimed at small businesses that want clear control of cash flow.
- Who it suits
- United States small businesses that want to separate money across multiple accounts and manage cash flow and spending in one place
- Broadly available in
- The United States only
- Headline monthly fee
- Free Starter plan. Paid Grow and Scale plans add features. Verify with Relay
- Account type
- United States business banking platform with deposit accounts through banking partners
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Relay is a financial technology company that offers business banking and money management to United States small businesses. Its signature feature is the ability to open many checking and savings accounts and route money between them, which makes it popular with owners who follow envelope style cash management methods. Banking services and deposit accounts are provided through Relay banking partners rather than by Relay itself. The platform layers in cards with spending limits, receipt capture, bill payment and accounting connections.
Strengths
The multiple account structure is the standout. A business can set aside money for taxes, payroll and operating costs in separate accounts without opening them one by one elsewhere. The Starter plan has no monthly fee, no minimum balance and no overdraft fees, and cards can carry individual limits, which helps owners delegate spending with control. Paid plans add automation and higher savings yields for businesses that need them.
Limitations
Relay is United States only, so it does not serve businesses based in other countries. It is focused on United States dollar banking rather than holding many currencies, so a company with heavy foreign currency needs may look elsewhere. As a technology platform working with banking partners, the exact deposit coverage and provider arrangements should be checked directly. Confirm the current terms with Relay.
Fees and features
| Monthly fee | Free Starter plan. Paid Grow and Scale plans carry a monthly fee and add features. Verify current pricing with Relay |
|---|---|
| Transaction fees | No monthly subscription fee, no minimum balance and no overdraft fees on the Starter plan. Some payment types may carry charges. Verify with Relay |
| FX fees | Relay is United States dollar focused. International wire payments may carry charges. Verify with Relay |
| Minimum deposit | No minimum balance required. Verify with Relay |
| Multi currency | United States dollar focused, with international wire payments available. Verify supported options with Relay |
| Integrations | Accounting connections, receipt capture, bill payment and cards with spending limits. Verify the current list with Relay |
| Eligibility | United States registered businesses. Verify the current requirements with Relay |
Open a Relay business account
Relay serves businesses in the United States. Fees and features shown as of 4 June 2026. Confirm current terms with the provider before applying.
Visit Relay →Relay by country
Relay operates in the United States only as of 4 June 2026. See the related guides below for that market.
Questions about Relay
Where is Relay available?
Does Relay charge a monthly fee?
How many accounts can I open with Relay?
Is Relay a bank?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 4 June 2026. Confirm current terms with Relay before applying.