---
title: Relay Reviews
meta_title: 'Relay Reviews 2026: Details, Pricing, & Features | G2'
meta_description: Filter 27 reviews by the users' company size, role or industry to
  find out how Relay works for a business like yours.
aggregate_rating:
  rating_value: 4.3
  review_count: 27
  scale: '5'
date_modified: '2026-07-18'
parent_category:
  name: Financial Services
  url: https://www.g2.com/categories/financial-services
---

# Relay Reviews
**Vendor:** Relay Financial  
**Category:** [Digital Banking Platforms](https://www.g2.com/categories/digital-banking-platforms)  
**Average Rating:** 4.3/5.0  
**Total Reviews:** 27
## About Relay
Relay is a financial technology company that helps small and medium-sized businesses in the U.S. take control of their money. The platform combines business check and savings accounts, payments, debit and credit cards, bill pay, invoicing, and expense tracking to make managing cash flow simple and transparent. With built-in controls, approvals, and integrations, Relay streamlines financial operations so teams can focus on growth. Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Debit Card is issued by Thread Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. The Relay Visa Credit® Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used anywhere Visa credit cards are accepted.



## Relay Pros & Cons
**What users like:**

- Users value the **ease of use** of Relay, appreciating its convenience and responsive customer support. (13 reviews)
- Users value Relay's **excellent customer support** , appreciating the knowledge and responsiveness of the team for all inquiries. (9 reviews)
- Users find the **initial setup of Relay extremely easy** , facilitating a smooth transition to the banking platform. (8 reviews)
- Users find Relay's **setup ease** remarkable, facilitating a smooth transition with straightforward online application processes. (7 reviews)
- Users appreciate the **convenience** of Relay's mobile banking app, allowing anytime access and seamless management of accounts. (6 reviews)
- Users love the **seamless account management** of Relay, enjoying features like easy transfers and invoice creation. (6 reviews)
- Easy Access (4 reviews)
- Time Saving (4 reviews)
- Users value Relay's **automation capabilities** , enhancing efficiency in managing financial tasks and simplifying banking processes. (3 reviews)
- Users highlight Relay's **automation efficiency** , appreciating effortless management of banking tasks and improved financial operations. (3 reviews)

**What users dislike:**

- Users face **payment issues** with Relay, including difficulties with refunds and lack of phone support for debit cards. (5 reviews)
- Users face significant **approval issues** with Relay, especially regarding international payments and fund access delays. (4 reviews)
- Users report **poor customer support** from Relay, highlighting issues with unauthorized transactions and slow resolutions for international payments. (3 reviews)
- Users report frustrating **cancellation issues** with Relay, leading to delays and unhelpful support during critical transactions. (2 reviews)
- Users express concerns over **credit issues** , including unauthorized transactions and lack of customer support contact options. (2 reviews)
- Users report frequent **downtime issues** with Relay, causing payment delays and threatening account closures, leading to frustration. (2 reviews)
- Implementation Issues (1 reviews)
- Invoice Issues (1 reviews)
- Users often face **location issues** with Relay, limiting access to the app and causing website usability concerns on mobile. (1 reviews)
- Poor Dashboard Design (1 reviews)

## Relay Reviews
  ### 1. Three Months of Delays and No Answers

**Rating:** 0.0/5.0 stars

**Reviewed by:** Loren H. | Founder, Small-Business (50 or fewer emp.)

**Reviewed Date:** June 30, 2026

**What do you like best about Relay?**

The interface is clean and straightforward, making it easy to understand.

**What do you dislike about Relay?**

opened a business account more than three months ago and still cannot use it. During that time, the company has never explained what issue is preventing the account from being activated.
I have contacted customer service multiple times. Each time, I am told that my account is under review by the compliance team, but customer service cannot tell me why. They also say they do not need any additional information from me to complete the review.
Customer service has repeatedly assured me that the matter has been marked as "urgent" and that I would receive an update. However, they claim the compliance team has not responded to any of their requests, and they have no other way to contact this back-office department.
After more than three months with no explanation, no resolution, and no meaningful communication, I no longer believe this is a viable banking option for my business. I have wasted a significant amount of time and now need to contact my clients and arrange alternative payment methods.
Very disappointing experience.

**What problems is Relay solving and how is that benefiting you?**

None

  ### 2. Reasonable Fees and Easy Multi-Business Spending Tracking

**Rating:** 5.0/5.0 stars

**Reviewed by:** Jeff and Carmen H. | Owner, Small-Business (50 or fewer emp.)

**Reviewed Date:** July 17, 2026

**What do you like best about Relay?**

I like being able to track money going out across our different businesses, and the fees are very reasonable. I also appreciate the option to keep our money in separate accounts, since setting funds aside and reserving them for specific needs is crucial.

**What do you dislike about Relay?**

Some of the site navigation is hard to remember. Id like to see all our accounts on the first page rather than having to click on accounts.

**What problems is Relay solving and how is that benefiting you?**

Having the ability to add accounts to pocket our funds. It makes things easier to see and forecast

  ### 3. Founder-friendly banking with world-class support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Eduardo L. | Founder & CEO, Small-Business (50 or fewer emp.)

**Reviewed Date:** March 02, 2026

**What do you like best about Relay?**

Relay is the first banking platform I’ve used that genuinely feels built for operators. The UI is clean and fast, the account structure makes cash management (and Profit First-style allocation) insanely simple, and everything feels like it is designed to reduce friction: opening accounts, moving money, setting permissions, and staying organized.

But the real differentiator is the support. Bernardo Tellini has been exceptional, responsive, proactive, and genuinely invested in helping us get things done the right way. It doesn’t feel like “ticket support”; it feels like a partner who understands urgency and cares about outcomes. That level of reliability, plus a product that’s actually founder-friendly, is what I like best about Relay.

**What do you dislike about Relay?**

Honestly, there’s very little to dislike. The only real limitation I’ve run into is a recent issue with international payments—at the moment we can’t send them directly through Relay. That said, Relay handled it the right way: they were transparent, took full ownership, clearly explained what happened, and shared what they’re doing to resolve it. In the meantime, setting up a Wise or Revolut account and connecting it to Relay has been extremely simple, so it’s been an easy workaround. Outside of that, everything has been exceptional.

**What problems is Relay solving and how is that benefiting you?**

Relay is solving the core problem of cashflow organization and control, making it easy to structure banking the way a real operator runs a business.

It’s been a game-changer for implementing Profit First because we can create a clean, dedicated bank account structure quickly (Income, OPEX, Tax, Profit, Owner’s Comp, etc.) without friction. Opening multiple accounts is fast, the interface is intuitive, and moving money between accounts is simple and predictable. The auto-transfer rules are the real unlock, they’ve been a game changer for Profit First because they automate allocations and enforce consistency without manual effort.

The benefit is tangible: we spend far less time managing cashflow, we reduce errors and chaos, and we can execute allocations consistently, so profitability improves because the system actually gets implemented and maintained, not just “planned.”

  ### 4. Effortless Banking with Stellar Billing Feature

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Hospitality | Small-Business (50 or fewer emp.)

**Reviewed Date:** February 19, 2026

**What do you like best about Relay?**

I really enjoyed the ease of opening and closing accounts with Relay. I love the new feature that allows us to send billing invoices to our clients, which they can pay in a variety of ways. This feature has been incredibly valuable to us as it allowed us to consolidate platforms and bring everything together on one website, making our business operations smoother and easier. The initial setup of Relay was very easy and simple.

**What do you dislike about Relay?**

Our biggest hang up is the fact that we cannot refund an invoice. If we need to refund somebody money, we have to get their bank account information and send an ACH and not everybody is willing to do that. So that's a little bit of a struggle that I would love to see Relay change.

**What problems is Relay solving and how is that benefiting you?**

I can easily manage multiple bank accounts with Relay, using it to open and close accounts and move money effortlessly. It also simplifies billing by replacing another platform, making business operations smoother.

  ### 5. Effortless Financial Organization with Reliable Security

**Rating:** 5.0/5.0 stars

**Reviewed by:** Emily H. | Chief Creative Officer, Small-Business (50 or fewer emp.)

**Reviewed Date:** May 06, 2026

**What do you like best about Relay?**

I love how Relay easily organizes my business finances, and I find the way it allows me to organize different accounts really helpful. I appreciate that it provides both a physical and virtual card, and I like that its security and fraud system works well. The good APR for savings accounts is a plus, and I enjoy the seamless connection it has with major banks. I also appreciate how it integrates smoothly with Anchor and QuickBooks Online. The initial setup was super easy, making the whole experience even better.

**What do you dislike about Relay?**

I did have a fraud issue. Relay stopped it but it took quite a few transactions because the person was making many small payments. I should've had it set up to flag me quicker but didn't realize I could/should do that. Maybe be prompted to do so, and reminded if it isn't set up.

**What problems is Relay solving and how is that benefiting you?**

Relay organizes my business finances, offers physical and virtual cards, a decent savings APR, and a good security system. I like organizing different accounts and its integration with major banks, Anchor, and QuickBooks. It stopped fraud but might prompt users better for quicker action.

  ### 6. Efficient Bookkeeping, Seamless Integration

**Rating:** 5.0/5.0 stars

**Reviewed by:** Jamie C. | Small-Business (50 or fewer emp.)

**Reviewed Date:** March 24, 2026

**What do you like best about Relay?**

I love that Relay attaches receipts to payments and integrates with Xero so I can categorize expenses when they are fresh in my memory. I really appreciate being able to have up to 20 checking accounts without fees. The automated distributions feature is so nice, and it's very convenient to have one space to categorize my bills sorted by due date. The virtual business cards are also very convenient, and it's great for making bookkeeping efficient and not overwhelming, even for someone not comfortable with accounting. Plus, the initial setup was great!

**What do you dislike about Relay?**

I really need Zelle for making payments. That is the biggest downside so far. Only having the check, wire or ACH options for payments isn't ideal either.

**What problems is Relay solving and how is that benefiting you?**

Relay lets me separate accounts without fees and neatly organizes bills by due date. The integration with Xero and receipt attachment makes bookkeeping easy and efficient, even for someone uncomfortable with accounting. I also appreciate the convenience of virtual business cards and multiple checking accounts without fees.

  ### 7. Relay: The Smart Banking Solution Every Business Owner Needs!

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.)

**Reviewed Date:** March 05, 2026

**What do you like best about Relay?**

Relay is hands down the best banking platform for business owners. The ability to create multiple checking accounts, seamless integrations with accounting tools, and the real-time cash flow visibility make it a game-changer. The platform is intuitive, fee-free, and built with entrepreneurs in mind. Nabeel Jagani on their team has been exceptional — incredibly knowledgeable, responsive, and genuinely helpful every step of the way. Ease of use and customer support are truly unmatched.

**What do you dislike about Relay?**

Honestly, there is very little to dislike. If anything,  — and as a personal wish, it would be amazing if Relay could support Zelle in the future, though that's more of a dream feature than a true complaint! Relay continues to improve and the team is clearly listening to their users.

**What problems is Relay solving and how is that benefiting you?**

Relay has solved the problem of having a business bank that actually understands the needs of entrepreneurs. We use it for cash flow management, expense management, and as our primary digital banking platform. It's helped us stay organized, keep client funds properly separated, and run a cleaner, more efficient operation. We've also recommended it to our clients at Wealth and Legacy Builder, and the feedback has been overwhelmingly positive.

  ### 8. Effortless Banking and Account Management—Highly Recommended!

**Rating:** 5.0/5.0 stars

**Reviewed by:** Lori D. | Owner, Small-Business (50 or fewer emp.)

**Reviewed Date:** December 11, 2025

**What do you like best about Relay?**

I love the ease to create additional accounts. I also enjoy the ease in modifying the percentages of money being transferred into these accounts seamlessly. The invoice creation is super easy and easy for my clients to follow and pay. I can order new cards quickly and banking is just a breeze. It has helped me use the profit first system and it is working! Now I don't worry about payroll or IRS taxes I have accounts ready and set up for those and money waiting for the bill to be paid. It's amazing. I've been using relay now for over 3 years. I highly recommend it.

**What do you dislike about Relay?**

Well I'm using the free version so I really can't complain. I do not use the checks. I think 7 to 10 days is too long, but I don't use checks anymore so that does not affect me.

**What problems is Relay solving and how is that benefiting you?**

Well they just rolled out the feature to create invoices and send them to your clients to receive payment. That was amazing. I have a few clients that I have to chase and once they saw an invoice from the bank they took care of it right away.

**Official Response from Relay Marketing:**

> Hi Lori,

Thank you for such a glowing review!

We're glad you're enjoying the features. Having clarity and control over your finances is our goal and we're happy that you've found multi-account usage and invoicing useful for your business.

We also appreciate your honest feedback about check timelines, and we’re glad the shift away from checks has worked well for you.

Thanks again for your recommendation and continued trust in Relay!

  ### 9. Easy to Use 90% of the time, but Horrible Customer Experience Because They're Not a Real Bank

**Rating:** 2.0/5.0 stars

**Reviewed by:** Verified User in Professional Training & Coaching | Small-Business (50 or fewer emp.)

**Reviewed Date:** February 10, 2026

**What do you like best about Relay?**

It's a technology-forward banking platform that's easy to set up and use for small business owners. It also has a number of useful features to address specific business scenarios.

**What do you dislike about Relay?**

It' is a fintech platform, and research on Reddit makes it clear that there are a number of pitfalls resulting from the fact that Relay is not actually a bank. They're a Fintech platform working with Thread Bank. It's possible that Thread Bank will withhold your funds, and there's nothing that the Relay customer support team can do to make them available to you, with Thread Bank's customer support being entirely unhelpful.

Another current example of the problems one might expect is that Relay has recently changed the way they receive international wires, switching from Currencycloud to Nium, but the transition was handled extremely poorly. 
- I had several inbound international wires that were rejected after the issuer had initiated the payment.
- Relay mentioned that approval for international payments through Nium would take no more than 3 business days. It took me 2 weeks to get any sort of help after applying for Nium approval and it has now been over a month during which I've been unable to collect on thousands of dollars of receivables because I can't invoice a client in the UK. Almost 4 weeks into this problem, Relay finally issued a statement saying that they can't promise when international payments will be approved and have disallowed account holders from applying to receive international payments if they hadn't already applied.

**What problems is Relay solving and how is that benefiting you?**

It makes it easy to integrate with other fintech platforms like Stripe. It also provides a boilerplate invoicing platform that works well for small business owners.

**Official Response from Relay Marketing:**

> Hi there, 

We’re sorry to hear about your experience and thanks for sharing your review with us. This is not the high standard our team works hard to provide Relay users. 

We’d love to get in touch with you have to address what's happening. Please reach out with a direct message on how we can get in contact. Otherwise, please feel free to reach our Customer Experience team for support, referencing your review at support@relayfi.com.

Best,


  ### 10. Versatile Banking with Stellar Support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Justin P. | Owner, Retail, Small-Business (50 or fewer emp.)

**Reviewed Date:** January 23, 2026

**What do you like best about Relay?**

I really like the mobile banking appl that Relay has. I can access my accounts using the app at any time, day or night, which is very convenient. The customer service is another big plus for me. The Relay team is reachable by phone, email, or chat, and they're knowledgeable about their services and processes, onboarding criteria as well as solving any issues or concerns. Additionally, the initial setup was easy, with the online application and document submissions being straightforward. The team is always available to help and guide me regarding additional documents or suitable alternatives that I could submit.

**What do you dislike about Relay?**

I don't dislike anything about Relay. I do, however, hope that Relay will: 1. Issue business banking customers virtual credit cards for supplier and vendor payments. 2. Add same-day wires and same-day ACH transfers.

**What problems is Relay solving and how is that benefiting you?**

Relay offers access to different payment methods and integrates with Stripe and Square. I like using the mobile app and website for checking funds and managing payments at any time. Their customer service is knowledgeable and helps with onboarding and any issues.

**Official Response from Relay Marketing:**

> Hi Justin,

Thank you for the thoughtful review! 

I'm super glad to hear that our platform and our customer support has made your banking stress free! Even better to hear that you were able to get through the Onboarding process with ease.

Regarding your inquiries about your Virtual Cards and same-day wires/ACHs, please get in touch with our team as we'll have your answers for you on these queries! Our support email is support@relayfi.com and you can also reach out through live chat.

Thanks again for choosing Relay. We’re happy to support you as your business grows.

— The Relay Team

  ### 11. Payment Processing Issues Undermine Otherwise Useful Account Features

**Rating:** 2.0/5.0 stars

**Reviewed by:** Luis Eduardo U. | COO, Small-Business (50 or fewer emp.)

**Reviewed Date:** November 21, 2025

**What do you like best about Relay?**

I love the option of having separated accounts, instant transfers between those accounts, and the ability to obtain a debit card that's linked to certain accounts.

**What do you dislike about Relay?**

I recently had an unpleasant experience with Relay; when I gave an invoice link to my client and they paid, the transaction was considered a "Self-Payout," and as such, was cancelled and we were threatened with closing accounts and such. Because of this, my client has had to make the payment again, my payment's been delayed, and this has significantly pushed back our experience with Relay. We've used Stripe for years and never have we had to deal with something like this. Honestly, this experience, if not fixed, will certainly make me switch providers.

**What problems is Relay solving and how is that benefiting you?**

They're helping us solve having separate accounts for the board. Not all platforms have this feature and it's certainly a plus.

  ### 12. Effortless Banking for Profit First Users

**Rating:** 5.0/5.0 stars

**Reviewed by:** Erica D. | Small-Business (50 or fewer emp.)

**Reviewed Date:** February 23, 2026

**What do you like best about Relay?**

I use Relay for my own banking needs for both my business and non-profit, and I recommend it to my clients because it supports the Profit First system effectively. I find the automatic profit first allocations incredibly useful. It lets me manage my cash flow easily and apply the bank balance accounting method. I love the ease of opening and closing accounts and being able to pay invoices and categorize them to QuickBooks without leaving the application. I also really appreciate my customer service rep.

**What do you dislike about Relay?**

I'd like to apply two profit first rules in stages

**What problems is Relay solving and how is that benefiting you?**

Relay automates my Profit First allocations, simplifies opening and closing accounts, and lets me manage cash flow effortlessly. It also integrates well with QuickBooks for easy invoice payments and updates without leaving the application.

  ### 13. STEER CLEAR OF THIS BANK

**Rating:** 0.0/5.0 stars

**Reviewed by:** Colin L. | Senior Solutions Architect, Small-Business (50 or fewer emp.)

**Reviewed Date:** June 26, 2026

**What do you like best about Relay?**

Absolutely zero positives in the last 18 months about Relay

**What do you dislike about Relay?**

Zero support, no accountability, poor reliability for transactions, no concern for your business

**What problems is Relay solving and how is that benefiting you?**

Zero problems solved, only problems created

  ### 14. Easy to Use, Time-Saving Automations That Deliver

**Rating:** 5.0/5.0 stars

**Reviewed by:** Sue F. | Operations Manager, Small-Business (50 or fewer emp.)

**Reviewed Date:** February 26, 2026

**What do you like best about Relay?**

The most helpful thing about Relay is how easy the app is to use, along with how much time their automations save me each month.

**What do you dislike about Relay?**

There really isn’t anything I dislike about Relay. They’ve clearly thought everything through and made a very good app overall.

**What problems is Relay solving and how is that benefiting you?**

Relay’s Accountant Level brings all my clients under one umbrella, giving me streamlined access to manage their accounts. It saves significant time by eliminating the need to log in to multiple banking platforms - especially at month-end when we need statements for reconciliations.

  ### 15. Perfect Banking Solution for Small Businesses

**Rating:** 5.0/5.0 stars

**Reviewed by:** Erick B. | Founder and CEO, Information Technology and Services, Small-Business (50 or fewer emp.)

**Reviewed Date:** November 20, 2025

**What do you like best about Relay?**

Relay is an excellent choice for small businesses that prefer not to depend on traditional banks. It offers all the standard banking features, along with several additional benefits. For example, its Payment requests feature enables businesses to accept payments through credit cards, online transfers, and other digital payment methods, making it easier to collect payments online.

**What do you dislike about Relay?**

The only problem I encounter with Relay is that its website can be somewhat clunky when used on mobile devices, and unfortunately, the Android app is not available in my region.

**What problems is Relay solving and how is that benefiting you?**

Relay makes it incredibly simple to assign debit cards to our team members for managing expenses. Reporting those expenses through the platform is straightforward, and the integration with our accounting software ensures that everything is seamless and hassle-free when it comes to end-of-month bookkeeping.

**Official Response from Sherwin Pao:**

> Hi Erick,

We appreciate you taking the time to write this.
We’re all about bringing cash flow clarity to small businesses, so it's good to hear that you’ve enjoyed your Relay experience. I'll be reaching out to you regarding the website and the mobile app so I can better understand your experience. 

Thank you!
Sherwin
Director of CX


  ### 16. Effortless Business Banking with Relay

**Rating:** 5.0/5.0 stars

**Reviewed by:** Roslyn R.

**Reviewed Date:** December 01, 2025

**What do you like best about Relay?**

I love how Relay makes it easier to implement the ProFirst First Method for my business, which is a significant advantage. I appreciate the ease with which I can set up multiple accounts and transfer money effortlessly. The ability to visually organize and see all my money in separate buckets is a feature I find especially beneficial. Additionally, the initial setup of Relay was straightforward and easy, which made transitioning to the system very smooth. On top of all these features, I am impressed to the extent that I would definitely recommend Relay to others, evidenced by my high rating of 10.

**What do you dislike about Relay?**

I would love the ability to send automatic payments every week, and being able to transfer money from multiple accounts on the app.

**What problems is Relay solving and how is that benefiting you?**

I find Relay simplifies managing my business finances with multiple accounts, easy transfers, and clear money segregation, enhancing my use of the ProFirst First Method.

**Official Response from Relay Marketing:**

> Hi Roslyn,

Thank you so much for your review!

At Relay, we’re all about reimagining business banking for small businesses and being able to read into your daily finances with simplicity. We're happy to hear that you've had a positive banking experience with us and that you've enjoyed using the Profit First method for your business!

If you had any difficulties setting up any automatic payments, or transferring money within accounts, please feel free to reach out to our Support at support@relayfi.com! We'll work to figure this out for you!


  ### 17. Ease of Use with Need for Security Improvements

**Rating:** 4.0/5.0 stars

**Reviewed by:** Daniel A. | Fundador, Small-Business (50 or fewer emp.)

**Reviewed Date:** February 26, 2026

**What do you like best about Relay?**

I really like Relay for its platform and the ease it offers. The user interface, especially on a computer, allows you to use and create cards, accounts, and make transfers in a very simple and user-friendly way.

**What do you dislike about Relay?**

The mobile application should allow logging in with Face ID without the need to constantly enter the username and password. On the computer, it's annoying to be logged out frequently. Additionally, it would be ideal if it were easier and safer to log in, especially with Face ID, and to be able to create international credit cards.

**What problems is Relay solving and how is that benefiting you?**

I use Relay to receive payments, create virtual cards, and assign roles and account types easily.

  ### 18. Relay Offers Seamless Banking with Top-Notch Automation

**Rating:** 5.0/5.0 stars

**Reviewed by:** Greg E.

**Reviewed Date:** November 26, 2025

**What do you like best about Relay?**

I appreciate Relay's ease of use, which makes managing banking tasks for my company and clients straightforward and efficient. The automation rules, particularly the profit-first automation, are incredibly beneficial as they systematically move money between accounts, supporting our financial systems effortlessly. I also value the lack of minimum balance requirements and ACH fees, which provides financial flexibility and cost savings. With the ability to maintain up to 20 accounts, Relay offers versatility that aligns perfectly with my company's needs. The customer service is outstanding, always responsive and helpful, enhancing my overall experience with the platform. Additionally, setting up Relay was extremely easy, allowing a seamless transition from our previous local bank. The combination of these features has significantly improved our banking operations and reaffirmed our decision to switch to Relay.

**What do you dislike about Relay?**

Nothing

**What problems is Relay solving and how is that benefiting you?**

Relay offers no minimum balances, automation rules, and eliminates ACH fees, making banking easier for my company and managing client needs. This ease of use, excellent customer service, and ability to handle multiple accounts efficiently is beneficial.

**Official Response from Relay Marketing:**

> Hi Greg,

Thank you so much for your thoughtful review and I'm glad your onboarding went smoothly!

We love that you're enjoying the automation features and the multiple account offerings with us. Our goal is to make it easier for businesses to see the clarity and control in their banking. Thank you for being a part of Relay!

  ### 19. Great Value with Multiple Accounts—and No Fees

**Rating:** 5.0/5.0 stars

**Reviewed by:** Wendy L. | Realtor, Small-Business (50 or fewer emp.)

**Reviewed Date:** February 20, 2026

**What do you like best about Relay?**

As a business owner. Having multiple accounts is important to me. It's easy to use and you have excellent customer service.I feel like a get a lot of value and you don't charge fee.

**What do you dislike about Relay?**

I have nothing bad to say about relay as I love it.

**What problems is Relay solving and how is that benefiting you?**

Relay has helped me budget my money in multiple accounts. I use something called profit first and being able to rules is very helpful.

  ### 20. Low Cost, No Monthly Fee, and Responsive Support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Alexander C. | Manager, Small-Business (50 or fewer emp.)

**Reviewed Date:** January 14, 2026

**What do you like best about Relay?**

No monthly fee, low cost; support is responsive. Easy to log in and use, make transfers. No major headaches so far (a year in)!

**What do you dislike about Relay?**

Not sure how I even wound up with a virtual card, but somehow someone hacked it and even when they didn't have the correct CVV 2 transactions were let through. Thankfully, support helped rectify this and reverse the charges, but this was frustrating for a little while.

**What problems is Relay solving and how is that benefiting you?**

Easily storing and transferring money and avoiding unnecessary costs.

**Official Response from Relay Marketing:**

> Hi Alexander,

Thank you for being with Relay for the past year! 

We're glad to hear our responsive support and account features have made things easier for your business. We apologize for the frustration with that virtual card transaction, but we're pleased our team could quickly resolve the issue and secure your account.

If you have any questions or feedback in future, please don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com and we'll work to look into it asap.

  ### 21. Streamlines AR & AP with Ease

**Rating:** 5.0/5.0 stars

**Reviewed by:** Justine Mark Q. | Accounting Specialist, Small-Business (50 or fewer emp.)

**Reviewed Date:** April 27, 2026

**What do you like best about Relay?**

I like that Relay is purely about Accounts Payables and Receivables. Easier invoicing and tracking of expenses and payments make it valuable. It works well with me, especially the AR and AP navigation.

**What do you dislike about Relay?**

Nothing.

**What problems is Relay solving and how is that benefiting you?**

I use Relay for invoicing and payment processing, making it easier to track expenses and payments. Its focus on Accounts Payables and Receivables simplifies tracking budget ins and outs.

  ### 22. Promising Start with Relay, Minor Setup Hiccup

**Rating:** 4.0/5.0 stars

**Reviewed by:** Robert K. | Ecommerce Business Owner

**Reviewed Date:** December 11, 2025

**What do you like best about Relay?**

I like some of the services that Relay has, especially the idea of separate accounts and virtual accounts. The idea of having a savings account too is something that I'll utilize, and I find that kinda neat. Relay’s orientation towards new businesses also seems appealing, and setting up was pretty straightforward once I overcame a little hiccup.

**What do you dislike about Relay?**

I had an issue with the sign-up process where it wouldn't find my Social Security number that I uploaded, but that was fixed. So it's all good.

**What problems is Relay solving and how is that benefiting you?**

I haven't used Relay much yet, but I like their services, especially for new businesses and the idea of virtual accounts and having a savings account, which I'll utilize.

**Official Response from Relay Marketing:**

> Hi Robert,

Thanks for sharing your experience and for the thoughtful review.

We’re glad to hear that you're making use of Relay’s multiple accounts as a new business owner. That’s exactly who we aim to support.

We also appreciate you calling out the sign-up hiccup and are glad it was resolved quickly. Feedback like this helps us continue improving the onboarding experience. We hope to work to earn your 5th star!

  ### 23. Outstanding Customer Service Team

**Rating:** 5.0/5.0 stars

**Reviewed by:** Michael g. | Customer Service Technician, Small-Business (50 or fewer emp.)

**Reviewed Date:** December 07, 2025

**What do you like best about Relay?**

Great customer service but the customer service people do a great job but they have their hand tied somewhat in fixing easy stuff and they were kind and professional and personable too

**What do you dislike about Relay?**

Need it goto survisior to unlock my account and etc

**What problems is Relay solving and how is that benefiting you?**

Low cost llc starting bank and very friendly and low cost and great customer service and I am youtube and creative thinker and business owner

**Official Response from Relay Marketing:**

> Hi Michael,

Thank you for the review and for sharing such thoughtful feedback. 

We’re really glad to hear that our support team came through to help you with your account issues.

We also deeply appreciate your feedback about your account access and getting through to our support. This helps us look for ways to make those processes smoother while keeping your account secure and we'll work to improve this as much as we can.

Thank you for choosing Relay!

  ### 24. Effortless Setup and Outstanding Support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Jaylana Saraya .

**Reviewed Date:** December 09, 2025

**What do you like best about Relay?**

I like that Relay made it easy to open and set up my business checking account, providing a perfect hub for business expenses and helping me separate them from personal expenses for tax purposes. Their customer service is efficient and friendly; they respond quickly and handle any issues right away with great follow-up. I also appreciate that Relay links seamlessly with Simplifi, making it easy to integrate with the tools I already use.

**What do you dislike about Relay?**

Nothing so far.

**What problems is Relay solving and how is that benefiting you?**

Relay makes it easy to open and set up accounts, providing a hub for business expenses to separate from personal expenses for tax purposes.

**Official Response from Relay Marketing:**

> Hi Jaylana,

We appreciate you taking the time to write this review.

We’re all about bringing cash flow clarity to small businesses, as well as making your accounting and expenses easy to work with. It's good to hear that you’ve enjoyed your Relay experience. Thank you for your feedback.


  ### 25. Quick and Responsive Customer Support with Relay

**Rating:** 5.0/5.0 stars

**Reviewed by:** Kevin R.

**Reviewed Date:** December 01, 2025

**What do you like best about Relay?**

I find Relay to be quick and responsive, with an impressive response time for resolving problems, which is crucial for effectively managing my business activities. The efficient response helps ensure that I am not on calls for prolonged periods, making my interactions smooth and less time-consuming. These features significantly enhance my experience with the platform, and the seamless handling of issues gives me confidence in its reliability.

**What do you dislike about Relay?**

There is not really anything that I can think of that I presently dislike about Relay.

**What problems is Relay solving and how is that benefiting you?**

I use Relay to efficiently do banking for my business.

**Official Response from Relay Marketing:**

> Hi Kevin,

Thank you for sharing this feedback! 

It's great to hear that you were able to receive timely support from our team and that you had a great experience with us.

We appreciate you choosing Relay and trusting us with your business banking needs!

  ### 26. Effortless Business Banking with Intuitive Interface

**Rating:** 5.0/5.0 stars

**Reviewed by:** Linney C.

**Reviewed Date:** January 22, 2026

**What do you like best about Relay?**

I find Relay very easy to use, which is especially helpful since I am new to computers. The interface is easy to understand, making it simple for managing accounts and processes. The initial setup was also very easy.

**What do you dislike about Relay?**

I could use more telephone operators.

**What problems is Relay solving and how is that benefiting you?**

Relay makes managing my business accounts easy and the interface is intuitive, especially being new to computers.

**Official Response from Relay Marketing:**

> Hi Linney,

We appreciate you taking the time to write this!

It's good to hear that you’ve enjoyed your Relay experience and are using our multi-account features to your advantage. We’ll pass along your feedback to our team and our Onboarding squad!

We've taken your feedback about telephone operators as well to our Support team and we aim to improve this service for you. Additionally, we encourage you to reach out to our live chat for faster support times!

Thank you again,

  ### 27. Seamless Account Integration with Stellar Support

**Rating:** 4.5/5.0 stars

**Reviewed by:** robin h.

**Reviewed Date:** December 19, 2025

**What do you like best about Relay?**

I find the integration between accounts in Relay to be excellent, which makes managing accounts much smoother. I also appreciate the fantastic service provided by Babar, who is really good at explaining concepts.

**What do you dislike about Relay?**

I don't like that there's no number to call on the debit cards.

**What problems is Relay solving and how is that benefiting you?**

I use Relay for managing accounts, and the integration between the accounts is excellent.



- [View Relay pricing details and edition comparison](https://www.g2.com/products/relay-financial-relay/reviews?section=pricing&secure%5Bexpires_at%5D=2026-07-18+11%3A45%3A41+-0500&secure%5Bsession_id%5D=0c2680b3-e6a6-40fa-9ae7-5aad3b271796&secure%5Btoken%5D=393039c9765d401c2ee265bbb227ccaf041c2bfc365381fef126f08fc1eeecdf&format=llm_user)
## Relay Integrations
  - [Faire – QuickBooks Online - QBO](https://www.g2.com/products/faire-quickbooks-online-qbo/reviews)
  - [Gusto](https://www.g2.com/products/gusto/reviews)
  - [Intuit QuickBooks](https://www.g2.com/products/intuit-quickbooks/reviews)
  - [Qbo](https://www.g2.com/products/qbo/reviews)
  - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews)
  - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews)
  - [Xero](https://www.g2.com/products/xero/reviews)

## Relay Features
**Expense Reports**
- Ease of Creating Expense Reports
- Bank / Credit Card Integration
- Smart Categorization
- Digital Receipt Management
- Employee Reimbursement
- Currency Conversions
- Credit Card Integration

**Operations**
- Compliance - Digital Banking Platforms
- Multichannel - Digital Banking Platforms
- Unified Banking - Digital Banking Platforms

**Cash Flow Management**
- File Exports
- Income and Expenses
- Track Cash Flow

**Agentic AI - Accounting & Finance**
- Autonomous Task Execution

**Agentic AI - Expense Management**
- Autonomous Task Execution
- Cross-system Integration

**Travel Management**
- Ease of Booking
- Itinerary Management
- Trip Notifications
- Advanced Integrations

**Infrastructure**
- Open Banking - Digital Banking Platforms
- Cloud-Based - Digital Banking Platforms
- Self-Service Banking - Digital Banking Platforms

**Cash Flow Forecasting**
- Historical Data
- Reforecast
- Forecast Types
- Rolling Forecasts
- AI

**Data**
- CRM - Digital Banking Platforms
- Business Intelligence - Digital Banking Platforms

**Analytics**
- Variance Analysis
- Reports
- Forecast Comparison
- Forward Looking

**Client Invoicing**
- Invoice Creation and Delivery
- Electronic Payments
- Project Accounting / Revenue Recognition

**Financial Data Transfer**
- Data Transfer
- Data Exchange
- Reporting
- Access
- Integration

**Agentic AI - Digital Banking Platforms**
- Autonomous Task Execution
- Decision Making

**Generative AI - Expense Management**
- Image-to-Text
- Text Generation
- Text Summarization

**Agentic AI -  Cash Flow Management**
- Autonomous Task Execution

**Mobile**
- Receipt Capture
- Mileage Tracking
- Travel Itinerary and Flight Status Updates

**Platform**
- Embedded AI / Machine Learning
- Complex Approval Workflow

**Administration**
- PCI Regulation Compliant

**Administration**
- Business Tool Integration
- Workflow
- Automated Reminders
- Policy Compliance Management
- User, Role, and Access Management

**Platform**
- Reporting
- APIs / Integration
- Internationalization
- Performance and Reliability
- Mobile User Support
- Offline

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