Relay

From $30Free planG2 4.2 · 31 reviews

Bootstrapped and early-revenue startups that want many sub-accounts, team cards and bill pay, and sometimes need to deposit cash.

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Quick overview

Pricing: Starter free; Grow $30/month; Scale $120/month (shown at $90/month for a limited time)
Plans: Starter: $0/month; 20 checking accounts, 2 savings accounts, savings APY 1.19%, 1% credit card cash back; domestic wires $8, same-day ACH $1, international wires $5 (local network) or $25 (SWIFT). Grow: $30/month, 14-day trial; savings APY 1.87%, 1.25% cash back; domestic wires $5, same-day ACH $0.50, international wires $3 (local) or $22 (SWIFT). Scale: listed at $120/month, discounted to $90/month for a limited time, 14-day trial; 50 checking accounts, savings APY 3.21%, 1.5% cash back; domestic wires $5, same-day ACH $0, international wires $1.50 (local) or $20 (SWIFT). All plans: standard ACH $0, incoming ACH and wires $0, mobile check deposit $0, cash deposits $0 at Allpoint or up to $4.95 at Green Dot, Allpoint cash withdrawals $0, currency exchange from 1%. APYs as of 9/17/2026 and variable. Banking by Thread Bank, Member FDIC; up to $3M FDIC coverage through Thread Bank's sweep program ($250,000 per program bank).
G2 rating: 4.2 / 5.0
Comparisons: Featured in 2 comparisons

Key features

Up to 20 checking accounts (50 on Scale) for profit-first style budgeting
Savings APY by plan: 1.19%, 1.87% or 3.21% (as of 9/17/2026, variable)
Cash deposits at Allpoint ATMs for $0
Bill pay, approvals and receipt capture with QuickBooks and Xero sync
Up to $3M FDIC coverage through Thread Bank's sweep program

Pros

Free plan with 20 checking accounts
Cash deposits possible at Allpoint ATMs
Published, per-plan wire and ACH fees
Unlimited users with permission levels

Cons

Outgoing wires cost $5 to $8 domestic and $20 to $25 via SWIFT
Highest savings APY requires the Scale plan
No treasury or money market option for large balances

Relay in our comparisons

Accounting & Finance

Best Business Bank Accounts for Startups

Mercury is the best default business bank account for most US startups: no monthly fee, $0 domestic and USD international wires, and up to $5M in FDIC coverage through partner banks' sweep networks. Choose Brex if you are funded and want cards and spend management in the same product, or Chase if you handle cash.

Emily RodriguezUpdated October 2026

Accounting & Finance

Mercury vs Brex

Choose Mercury if you want the best all-round business bank account with free wires and a simple 1.5% cashback card. Choose Brex if you need a corporate card with detailed spend controls, global coverage or treasury yield below $250,000.

Emily RodriguezUpdated October 2026