Relay
Grow
Flat price, whole team$30.00
× 12 months$360.00
Per year
$3.00 per person / mo
$360
Relay vs Novo
Compare with for .
Relay
42%
match · $360/yr
Novo
54%
match · $0/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Novo
Free
Free to use$0.00
Per year
$0
Free to start
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
Novo
From FreeFree plan
G2 3.5 · 11 reviewsVery early, low-complexity companies and founder-led service businesses that want a free account with invoicing and rarely send wires.
Side by side
| Relay | Novo | |
|---|---|---|
| Pricing | Starter free; Grow $30/month; Scale $120/month (shown at $90/month for a limited time) | Free business checking ($0 monthly fee, $0 minimum balance) |
| G2 Rating | 4.2 (31 reviews) | 3.5 (11 reviews) |
| Best For | Bootstrapped and early-revenue startups that want many sub-accounts, team cards and bill pay, and sometimes need to deposit cash. | Very early, low-complexity companies and founder-led service businesses that want a free account with invoicing and rarely send wires. |
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
Novo
Pros
- Free account with no balance requirement
- Reserves make tax and payroll set-asides easy
- Many e-commerce and payments integrations
- No overdraft or insufficient funds fees
Cons
- FDIC coverage limited to the standard $250,000
- Outgoing domestic wires up to $45 and no interest on balances
- No cash deposits
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