Finance & Banking Software
Relay
Multi-account business banking built for teams — up to 20+ checking accounts, per-card spend controls, and bookkeeping automation.
Small businessMedium businessNorth America
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for small teams that want to manage cash across many sub-accounts (payroll, taxes, vendors) without spreadsheets — the free tier alone covers most solo/small-team budgeting needs before Grow or Scale become worth paying for.
Choose this if...
- Small businesses wanting envelope-style budgeting across many sub-accounts
- Teams that need per-employee card spend controls without a separate expense platform
Look elsewhere if...
- You want a single simple checking account rather than a multi-account budgeting system
- Your business isn't US-incorporated
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Pricing
Verified Jul 17, 2026 against Relay's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Starter | Free | Free | Up to 20 checking accounts, virtual/plastic debit cards (up to 50/cardholder/account), up to 5 credit cards/cardholder, 1.11% APY on savings, 1% cash back on credit cards, QuickBooks/Xero integrations |
| Grow | 30 USD/mo | — | Up to 20 checking accounts, 1.75% APY on savings, 1.25% cash back, recurring invoices with auto-charge, batch vendor payments, bookkeeping automation, spend approval requests |
| Scale | 90 USD/mo | — | Reduced from $120/mo; up to 50 checking accounts, 3.00% APY on savings, 1.5% cash back, 10 free same-day ACH transfers/mo, bill payment automation, cash flow forecasting, priority support |
Free tier reality
The free Starter plan is a genuinely usable multi-account setup (up to 20 checking accounts, team debit/credit cards, basic bookkeeping tools) rather than a single-account trial — but higher savings APY, batch vendor payments, and cash flow forecasting are reserved for the $30/mo Grow and $90/mo Scale tiers.
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DEV-MID · rectanglePros
- Free tier supports up to 20 checking accounts — genuinely useful for envelope budgeting at no cost
- Per-cardholder spend controls without needing a separate corporate-card platform
- Native bookkeeping automation and accounting-software sync
Cons
- US-only, no international multi-currency support
- Savings APY on the free tier (1.11%) is notably lower than the paid tiers
- As a fintech (not a bank), FDIC coverage runs through partner banks
Key features
- Up to 20-50 sub-checking accounts for envelope-style budgeting
- Per-cardholder debit/credit card spend controls
- Bookkeeping automation and QuickBooks/Xero sync
- Batch vendor/bill payments
- Cash flow forecasting (Scale tier)
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
US-only. Relay is a fintech, not a bank — banking services and FDIC insurance are provided through partner banks. Note: as of this research pass, northone.com fully redirects to relayfi.com, suggesting NorthOne has been folded into Relay.
- North America
Best for
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Ramp
Pick this instead if: Smaller teams wanting unlimited cards and expense automation without a per-user fee
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DEV-BOTTOM · horizontalWas this review of Relay helpful?
Relay FAQ
Questions about this tool
Is Relay free?
Yes, there's a free tier. The free Starter plan is a genuinely usable multi-account setup (up to 20 checking accounts, team debit/credit cards, basic bookkeeping tools) rather than a single-account trial — but higher savings APY, batch vendor payments, and cash flow forecasting are reserved for the $30/mo Grow and $90/mo Scale tiers.
How much does Relay cost?
Free. We verify pricing directly against Relay's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is Relay best for?
Small businesses wanting envelope-style budgeting across many sub-accounts Teams that need per-employee card spend controls without a separate expense platform
Who should avoid Relay?
You want a single simple checking account rather than a multi-account budgeting system Your business isn't US-incorporated
Does Relay work well outside the US?
US-only. Relay is a fintech, not a bank — banking services and FDIC insurance are provided through partner banks. Note: as of this research pass, northone.com fully redirects to relayfi.com, suggesting NorthOne has been folded into Relay.
What are the best alternatives to Relay?
Worth comparing: Stripe, Mercury, Brex, Ramp. See the Alternatives section above for why you might pick one of these instead.