Relay | Business Banking 4+

Banking for small businesses

Relay Financial Technologies Inc

Designed for iPhone

    • 4.7 • 1K Ratings
    • Free

iPhone Screenshots


Relay is a no-fee, online business banking and money platform that puts you in complete control of your cash flow.

The banking basics… and beyond
Robust business banking features without the usual fees, branch visits or paperwork.

• Bank without account fees or minimum balances that tie up cash flow
• Open up to 20 individual checking accounts
• Issue 50 virtual and physical debit cards
• Send and receive payments via ACH, wire or check
• Collect payments from tools like PayPal, Stripe, Square and more
• Get hands-on help whenever you need it

Cash flow that’s as clear as day
Always be on top of what your business is earning, spending and saving.

• Apportion income to expense and reserve accounts (like operations, payroll and taxes)
• Organize spend using dedicated debit cards (like travel and marketing)
• Get ultra-detailed transaction data that takes the grind out of expense tracking
• Simplify and speed up bookkeeping with direct QuickBooks Online and Xero integrations

Banking that’s better because it’s done together
Work with financial advisors and team members without compromising security or convenience.

• Invite your accountant, bookkeeper or team members to Relay
• Control what each invited user can do and see in your bank account
• Safely share banking data and monthly statements
• Delegate financial management tasks like paying the bills

Plus, Relay’s security features provide peace of mind. Logins are protected by two-factor authentication and biometric security, and you can feel safe knowing that you’re FDIC insured up to $250,000 per business.

Learn more at

What’s New

Version 1.91.0

With this release we shipped a few small bug fixes to improve the user experience on the Move Money page.

Ratings and Reviews

4.7 out of 5
1K Ratings

1K Ratings

Romans 8:15 ,

Lots of positives, few issues

I’ve really enjoyed using Relay! I wanted to used the Profit First method and had a hard time finding a bank that wouldn’t charge for each account in some way. It is SO easy to set up a new account with Relay and there are no fees.

Most of my issues since switching to Relay have come from differences with my last bank, so it’s been more of an adjustment on my part than necessarily problems on theirs. The few things that have been a little difficult are: checks take 8-10 days to deposit, I can’t access my “pending” balance until it fully deposits (this was a feature with my old bank but not sure if that is an industry standard), and checks aren’t available with their accounts (not a huge deal but has caused some creative thinking on my end in a few situations).

Overall, I would definitely recommend Relay! Their customer service is great and it’s so easy to use. And it’s free!

Diminke ,

Perfect Solution for Business Accounts

After learning the Profit First system for e-commerce of setting up multiple accounts for each segment of the business and putting in certain percentages of each payout into inventory, expenses, owners comp, profit etc - I found Relay to be a perfect bank for this system. I was able to open multiple accounts online easily and quickly to implement the system which has had a positive impact on my business. I recommend Relay for any business. In addition they also have a great support team for any questions.

SituKaiba ,

Not friendly for new businesses. Good though, if you are switching business banks.

I run a small business, and I decided to try Relay due to their services and low fees compared to the bigger banks. Now, I understand there’s a lot of concerns about a lot of documents, forms and personal forms you need to upload, and the process taking weeks (which is true, but not a problem to me). However, one of the screening requirements ask for a business bank statement from a previous bank. Now why would Relay ask for a previous business bank statement if that’s the whole reason I’m applying for a BUSINESS Bank account? Unfortunately, they do not take personal bank statements that has business activity, so I guess my only recommendation would be that Relay is probably a good bank if you already own a business bank account and are looking to switch, but it seems they are unfriendly and un-eager to help and support new businesses.

App Privacy

The developer, Relay Financial Technologies Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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