Relay | Business Banking

Relay | Business Banking

Banking.* Bills. Invoices.

3.7K ratings
195 reviews
Free

Details

Released
March 25, 2020
Updated
October 23, 2026

Features

Relay | Business Banking screenshot #1 for iPhone
Relay | Business Banking screenshot #2 for iPhone
Relay | Business Banking screenshot #3 for iPhone
Relay | Business Banking screenshot #4 for iPhone
Relay | Business Banking screenshot #5 for iPhone
Relay | Business Banking screenshot #6 for iPhone
Relay | Business Banking screenshot #7 for iPhone
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About

This online business banking platform offers small business owners comprehensive control over their cash flow. It provides multiple checking accounts for expense segregation, customizable debit and credit cards with spending policies, and various payment options including ACH, wires, and checks. The app also features automated money management tools and offers rewards on purchases and interest on savings.

✓20 checking accounts for expense segregation
✓Multiple debit/credit cards with spend policies
✓1.5% cash back on credit card purchases
✓Savings accounts with up to 3.00% APY
✓ACH, wire, and paper check payments
✓Automated money transfer rules
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What users say about Relay | Business Banking

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What's New in Relay | Business Banking

2.49.0

October 23, 2026

This release rebuilds card creation as a step-by-step flow, guiding you through card type, nickname, cardholders, funding accounts, spend limits, design, and shipping. Check deposit can now open the camera first and fill in the form from your photo. Card details require an extra security check before they’re shown, and you’ll see fewer unexpected logouts, since the app now stays signed in longer in the background to match the web. This release also includes clearer registration errors, smoother freeze animations, and several smaller fixes.

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User reviews

It was a game changer in my business.

I used to do manual transfers twice amount with a brick & mortar, then I was referred to Relay, now I really do know my numbers, I’ve gotten back hours in my day with just looking at the app daily! So relieved for this app that recognizes & understands the small business and solopreneurs.

Yay for freelance

I can finally easily save for goals and taxes automatically as a freelancer. This was extremely difficult beforehand without a ton of annual effort after every payment. Thanks guys. UX could be easier for finding rules etc and having to remember payment amounts when making transfers on mobile so that could be displayed more clear but overall yay
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Relay closed my account & is my money is being held hostage.

I’ve used relay for the past 3 years for my business and everything was going well until I logged in yesterday and I see $0.00. I called and they told me they emailed me to agree to the new terms (no email received) and I didn’t reply to the email in time so they decided to close my account. I would have be fine with that until the nearly $1000 in my account was also gone. What’s horrifying is…There’s no trace that it was ever there! What they told me? Wait up to 45 days for a review and we will send you a check. It’s created a nightmare for me because I needed my statements for taxes and my account was wiped clean. Take it from someone who loved them for 3 years, they will make your business and your life miserable. The worst part of all is when they closed my account I was on vacation with my family and needed the money. I would stay far away from Relay.
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Horrible customer service experience

The worst customer service experience I ever had with any bank

Great, but slow

I come from the land of blockchain, Chime, and Venmo where everything is instant. Waiting 3 days to move $50 into my relay account is PAINFUL. It’s 2026, we have the technology!

User experience

🐞

Reported Bugs

5 issues

App crashes on iOS 26 update

Bug

Inability to log in after updates

Bug

Transactions not showing up in app

Bug

Accounts being randomly frozen

Bug

Delayed wire transfer processing

Bug
✨

Requested Features

5 requests

Add Zelle integration

Feature

Improve app performance and stability

Feature

Increase deposit and transfer limits

Feature

Allow customization of debit card designs

Feature

Provide better account management tools

Feature

FAQ

What does Relay | Business Banking do?

Relay provides online business banking services designed to give small business owners complete control over their cash flow. It offers features like multiple checking accounts for earmarking funds, customizable debit and credit cards with spending policies, and various payment methods including ACH, wires, and paper checks. The platform also includes automated money management tools and offers rewards and interest on savings.

What are the key features of Relay?

Key features include the ability to create up to 20 checking accounts to separate funds for operations, payroll, and taxes. Users can issue multiple debit and credit cards with built-in spend policies to organize spending by team or project. The app also offers 1.5% cash back on credit card purchases, savings accounts with up to 3.00% APY, and automations for money movement.

Is Relay | Business Banking free to use?

Based on the provided information, the app is listed as 'free'. This suggests that there are no upfront costs or subscription fees to use the core banking services. However, it's always advisable to check the official website for any potential fees associated with specific transactions or services.

Who is the target audience for this app?

This app is designed for small business owners who need a robust and flexible banking solution. It's particularly beneficial for those who want to meticulously organize their spending, manage cash flow effectively, and potentially grow their reserves through interest-earning savings accounts and cash back rewards.

How are funds insured with Relay?

Funds on deposit with Relay are insured up to $3 million through Thread Bank, Member FDIC, via a deposit sweep program. Your deposits at each program bank are eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may hold at that bank in the same ownership capacity.