Relay
Grow
Flat price, whole team$30.00
× 12 months$360.00
Per year
$3.00 per person / mo
$360
Relay vs Bluevine
Compare with for .
Relay
70%
match · $360/yr
Bluevine
79%
match · $360/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Bluevine
Plus
Flat price, whole team$30.00
× 12 months$360.00
Per year
$3.00 per person / mo
$360
Relay
From $30Free plan
G2 4.2 · 31 reviewsBootstrapped and early-revenue startups that want many sub-accounts, team cards and bill pay, and sometimes need to deposit cash.
vs
Bluevine
From $30Free plan
G2 4.7 · 3 reviewsStartups that keep a meaningful operating balance in checking and want interest on it without moving money to a separate investment account.
Side by side
| Relay | Bluevine | |
|---|---|---|
| Pricing | Starter free; Grow $30/month; Scale $120/month (shown at $90/month for a limited time) | Standard free; Plus $30/month; Premier $95/month (fees can be waived) |
| G2 Rating | 4.2 (31 reviews) | 4.7 (3 reviews) |
| Best For | Bootstrapped and early-revenue startups that want many sub-accounts, team cards and bill pay, and sometimes need to deposit cash. | Startups that keep a meaningful operating balance in checking and want interest on it without moving money to a separate investment account. |
Pros and cons
Relay
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
Bluevine
Pros
- Interest paid on checking, not only savings
- Premier pays 3.0% APY on all balances (variable)
- Paid plan fees can be waived
- Supports cash deposits
Cons
- Outgoing wires cost $7.50 to $25 per transfer
- Waivers require both a balance AND debit card spend
- Standard APY needs monthly card spend or customer payments
Related comparisons
Accounting & Finance
Emily RodriguezUpdated October 2026
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.
+1
Emily RodriguezUpdated October 2026Accounting & FinanceEmily RodriguezUpdated October 2026
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.
+1
Emily RodriguezUpdated October 2026