The secure ACH payment process is by far my favorite feature. Vendors submit their banking information directly through Relay, so we never have to handle sensitive account details ourselves. It saves time, improves security, and makes paying invoices fast and professional. I also appreciate the approval controls, audit trail, and ability to organize funds across multiple accounts. As both a treasurer and a professional bookkeeper, Relay has become one of the first banking platforms I recommend to clients. Review collected by and hosted on G2.com.

I honestly can't think of anything at the moment. Review collected by and hosted on G2.com.

The interface is clean and straightforward, making it easy to understand. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Relay Silently Deactivated my business account; now my team will not be paid Review collected by and hosted on G2.com.

My account was silently deactivated without any email or notification from Relay. I had already shared my banking and routing numbers with clients and was preparing to pay my teammates and taxes. When I tried to process a payment, I found my account was blocked and couldn't be reactivated. This meant I had to cancel all the bank information I had shared and look for a new banking system. Relay didn't offer any support or solution, and their lack of communication was frustrating and detrimental to my business. It was especially tough not being notified when I needed to pay my team. Relay just canceled my account without confirmation, which was a really bad experience. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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! Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.