Relay review
Online banking with sub-accounts and bookkeeping integrations.
Overview
Relay is online business banking that emphasizes organization: you can open multiple checking accounts to separate taxes, payroll, and profit, and issue plenty of debit cards to your team. It integrates well with accounting tools, making month-end reconciliation easier.
It’s a particularly good fit for agencies and eCommerce operators who use “profit-first” style money management.
Pros
- Multiple sub-accounts
- Bookkeeping integrations
- No monthly fee
Cons
- Fewer physical banking features
Pricing
| Plan | Price | Details |
|---|---|---|
| Core | No monthly fee | Multiple accounts and cards. |
| Pro | paid | Faster payments and advanced features. |
Pricing is representative and changes often — confirm current plans and fees on the provider’s website before purchasing.
Organize your money
Create multiple accounts to allocate funds by purpose, and issue physical and virtual cards with per-card controls.
No monthly fees on the core plan keeps overhead low for small teams.
Bookkeeping-friendly
Relay integrates with popular accounting and bill-pay tools, which reduces manual data entry and reconciliation time.
It’s built for clean books rather than advanced lending or cash handling.
Who it’s for
- Agencies and eCommerce owners who want sub-accounts for budgeting
- Teams that need multiple debit cards with controls
- Owners who prioritize clean bookkeeping integrations
Who should look elsewhere
- Businesses needing in-person branch services or heavy cash deposits
- Founders who want a single all-purpose account with lending
Best for
Our verdict
If you manage money with a profit-first or envelope approach, Relay’s multi-account structure and bookkeeping integrations make it a standout. It’s organization-first online banking for small teams.
Alternatives to consider
Compare all business banking providersThis tool provides educational estimates and general guidance only. It is not legal, tax, accounting, or financial advice. Always verify requirements with official government sources or consult a qualified professional before making decisions.