# Relay pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Starter). Among the 8 business bank accounts we track it is the cheapest; median entry $0/mo.
**Domain:** relayfi.com
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Integrations:** QuickBooks Online, Xero, Gusto, Plaid, Yodlee, Collective
**Best for:** Small businesses using Profit First cash management methodology; Real estate investors needing multiple dedicated accounts; E-commerce businesses; Home services companies; Agencies managing multiple client or project accounts; Businesses with active accounts payable workflows
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Starter | $0 | — | flat | Free. Up to 20 checking accounts. Debit and credit cards (virtual and physical). 1% cash back. 1.11% APY on savings (variable, as of 2026-05-01, tied to Federal Funds rate). Basic bill management. Payment links and invoicing. | relayfi.com |
| Grow | $30 | — | flat | 1.25% cash back. 1.75% APY on savings (variable). Multi-step approval workflows, batch payments, reduced transaction fees. Recurring invoices with auto-charge. | relayfi.com |
| Scale | $120 | — | flat | Regular published price $120/mo. Currently discounted to $90/mo for a limited time. Up to 50 checking accounts. 1.5% cash back. 3.00% APY on savings (variable). Same-day ACH automation (10 free/month). | relayfi.com |

**Key features:** Up to 20–50 checking accounts for Profit First cash allocation methodology; High-yield savings with variable APY (up to 3.00% on Scale); 1%–1.5% cash back on Visa debit and credit cards; Accounts payable with bill upload, task delegation, and approval workflows; Accounts receivable with invoicing and flexible payment options; Receipt capture and auto-sync to accounting software; Batch payments and multi-step approval workflows (Grow/Scale); International payment services via Nium/CFSB partnership; Same-day ACH automation (Scale plan); Recurring invoices with auto-charge (Grow/Scale).

**Plan limits:** Starter: up to 20 checking accounts; Scale: up to 50 checking accounts; Scale: same-day ACH automation limited to 10 free/month; FDIC insurance up to $3M through deposit sweep program (Thread Bank partner); Banking services provided by Thread Bank — Relay is not an FDIC-insured bank; APY on savings is variable and tied to Federal Funds rate.

Sources: 1 · Last verified 2026-06-14
Provenance: Official pricing page: https://relayfi.com/pricing (fetched directly, full content returned). Scale plan regular price $120/mo confirmed; $90/mo is a limited-time promotional discount.
Canonical: https://frontdeskreview.com/software/business-bank-accounts/relay/
Cite: Per The Front Desk Review, Relay's entry plan was $0 (free)/mo as of 2026-06-14 — https://frontdeskreview.com/software/business-bank-accounts/relay/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl