# Relay \| Business Banking — user reviews > 189 indexed App Store user reviews of Relay | Business Banking by Relay Financial Technologies Inc, rated 4.80/5 from 3,590 ratings. - Source: https://appshunter.io/ios/app/relay-business-banking/id1454115640/reviews - App overview in markdown: https://appshunter.io/ios/app/relay-business-banking/id1454115640.md - Rating breakdown: 5★ 3,279 · 4★ 135 · 3★ 36 · 2★ 22 · 1★ 118 ## What do users think of Relay | Business Banking? Overall sentiment: negative **Pros** - 🚀 Easy to use - 🚀 Great for business banking - 🚀 Helpful customer service - 🚀 Useful features like virtual cards - 🚀 Profit First integration **Cons** - 🐛 App crashes and bugs - 🐛 Slow check deposit times - 🐛 Account freezing and verification issues - 🐛 Poor communication from support - 🐛 Unreliable transactions and transfers **Commonly reported bugs** - App crashes on iOS 26 update - Inability to log in after updates - Transactions not showing up in app - Accounts being randomly frozen - Delayed wire transfer processing **Most requested features** - Add Zelle integration - Improve app performance and stability - Increase deposit and transfer limits - Allow customization of debit card designs - Provide better account management tools ## Newest reviews (10 of 189) ### 2/5 — Banking OK, but App Unstable *2026-09-01, version 2.45.0* I have been trying to open the app for several days now and cannot. It cycles through the login screen over and over and over, each time sending an email with a secure link. I click on the secure link, it starts cycling through again. Also, the app detects whether you’re not on your home WiFi, and makes you jump through extra hoops when you’re away, traveling, etc. At the end of the day, to get anything done, you’re going to have to power up your Mac or PC and log in on the web, if you want to get a my thing done. ### 4/5 — Great for quick reference! *2026-08-19, version 2.45.0* This banking app is comparable to most major banks, and it’s very easy to navigate. Kudos to the designers for a streamlined look and feel! The only reason I’m giving it 4 stars is that there is no way to access, create, or review invoices in the app. You must use a browser. I utilize Relay for my invoicing and payment platform, so I need to regularly access those features. It would be great to have that in-app so I don’t have to transition to my computer. Other than invoicing, I highly recommend! ### 2/5 — VPN!!! *2026-08-06, version 2.44.0* Stop asking for confirm my phone when I use a vpn. Get your security in order. This isn’t my issue ### 3/5 — Difficulty dealing with fraud on checking account *2026-05-20, version 2.42.0* I’m not sure why I have to have two accounts and it is unclear how one is a debit card account and the other is a checking account that has a credit card I think. First problem is the clarity. Today’s problem is that I have been hacked on my computer and I entered the credit card to pay for something before discovering the fraud. The debit card account was easy to freeze the credit card account that has a balance in savings for checking, does not allow me to designate the people who charge two dollars as a preliminary peak doesn’t let me block them as the first account does. So I suppose I have privileges on one account that I don’t have on the other and I don’t like this I only need one account hence three stars. ### 3/5 — NEED ABILITY TO ADD FUNDS INSTANTLY *2026-05-19, version 2.41.0* GREAT APP. LOVE IT. BUT WE NEED THE ABILITY TO ADD FUNDS VIA DEBIT LIKE FOUND BANKING ASAP. BUSINESS WORKS AT THE SPEED OF LIGHT. 1-3 DAYS IS NOT GOOD! PLEASE ADD THIS FEATURE ### 2/5 — Tech support faulty app *2026-05-16, version 2.41.0* Locked my cards with an error message that says unable to fetch token for this organization. The A.I chat is useless ### 1/5 — Do not be fooled. Difficult to do business with Relay *2026-04-30, version 2.40.0* We are a small business and were looking for a bank that would help with our financial needs with little to no hassle. Let me tell you that Relay is not that for us. It has been weeks and weeks of dealing with delays in releasing our funds and constant emails requesting more and more information. It has been a total nightmare and I am done. They do not offer any phone communication. There is not even a phone number on the email of the person that keeps requesting information so that you can speak with a human and maybe communicate what might be missing in translation. It is absolutely awful. Do not be fooled my friends. Go with a local bank or credit union where a person can be available to help you. ### 2/5 — Inaccurate check deposits *2026-04-23, version 2.40.0* This app will pop warnings that your check did not deposit and then will deposit them. Caused a major headache for my small business. ### 5/5 — Simple *2026-04-21, version 2.40.0* I love the simplicity of Relay unfortunately my business is not all online and I cannot take advantage of it the way I would like but I highly recommend Relay especially for e-commerce business ### 5/5 — No min balances and fast reliable service *2026-04-14, version 2.40.0* The easiest bank I can open accounts for my LLCs without leaving my house. No paperwork in the mail. Nothing to waste time. Love it. Get my transfers fairly fast, and I don’t need a minimum balance to have my money here. Only good things to say! ## Most critical reviews (10 lowest-rated) ### 1/5 — Silently Deactivated my account without contact *2026-08-28, version 2.45.0* They Closed My Business Account and Never Told Me. Do not bank here. I opened a Relay account for my LLC in May. Did everything right. Set it up properly, shared my routing number with clients including a major corporate partner, got my team ready to receive their first payments. Relay looked like the real deal. When it finally came time to process that first payment, my account was locked. No explanation on the screen. No email in my inbox. Nothing. When I finally spoke with a real agent, they told me: "Your account was offboarded on July 23 after raising compliance flags. This stands as their final verdict. Your account can no longer be reactivated." July 23. I found out August 28. They closed my business account over a month before I even knew it happened. I was out here sending clients my banking info, building out payroll, preparing to get my team paid, all while Relay had already silently pulled the plug and said nothing. Not one email. Not one phone call. Not one text message. Total silence. My clients had to be notified that the banking info I sent them was no longer valid. My team's pay got delayed. And when I pushed for answers, Relay told me the investigation could take up to 45 days and the decision was final with no appeal. This is not a fintech glitch. This is a company that made a decision affecting my entire operation and chose to say nothing. One email on July 23 would have changed everything. Instead they stayed quiet and let me walk straight into the wall. If your business depends on getting paid and paying your people, Relay is a liability you cannot afford. They will smile through the onboarding and ghost you when it counts. Zero accountability. Zero communication. Stay far away. ### 1/5 — Terrible company *2026-08-25, version 2.45.0* Do NOT think that you can use Relay as your small business bank. Unless you run some tiny Etsy business with a handful of hundreds in monthly revenue, Relay is entirely unsuitable for small business use. You will be hounded for every check deposit to upload your customer contracts, private correspondence, text messages, etc. All simply to do a mobile deposit for a paper check. Funds will be tied up for a week or more as they treat you like you are some international drug lord laundering money. Terrible customer service. Terrible for small business use. Terrible in responding to very routine banking actions. Avoid at all costs. ### 1/5 — STAY AWAY *2026-08-09, version 2.44.0* Do not bank with Relay. they closed my account within weeks of opening with them after presenting 0 reasoning behind it. My money was frozen and thousands of dollars I still no longer have access too months down the line. The customer service does not help at all and there is no movement. My money is locked away from me after working hard to get it. Avoid this bank at all costs. ### 1/5 — Worst bank ever *2026-08-07, version 2.44.0* Poor support, trash software, too many limitations, no integration with zelle, no atm, no checks. Customer service is bad, long wait times, will drop call in the middle without call back. They dont care about customers. ### 1/5 — Constant issues *2026-07-16, version 2.43.0* The app has only worked briefly since downloading it. Now, after opening the app, I get stuck on the green screen that says “relay”. Will never load past that. I’m having to login to my browser constantly, which is frustrating. I’ve done all the troubleshooting I can, including deleting and reinstalling. ### 1/5 — Horrible and slow *2026-06-22, version 2.43.0* This has been the worst banking experience I’ve ever had as a business. I signed up because I liked the ability to have multiple account accounts connected to one to account for separate departments, perfect! BUT- they take 7+ BUSINESS DAYS to process deposits and if you ask for a supervisor they put you on ETERNAL HOLD. Can hardly understand who you’re speaking with and they are RUDE. Not worth it! Going back to local credit union. I read on Reddit today people even have accounts and funds frozen for no reason. Not worth the risk! And it’s actually Thread Bank backing it. This is a fintech front. ### 1/5 — Run the other way *2026-06-20, version 2.43.0* I tried this bank for my business because I was recommended this bank. I haven’t even had this account for more than 3 months and while I’m working I check my account to see they allowed a $200 fraud charge from Kuwait into my business account. The very money that was needed for my supplies. Without reaching out or flagging it (because I never made any international purchases either) they just processed the payment. I had to wait the day after to call them just for them to tell me that a temporary credit would be coming on my account in 2 weeks - even though the money was taken out asap - so it’s been a couple days and I still don’t have a credit or the money that was taken from my account. They also said they don’t do any correspondence by email only by mail and it can take up to 3 months for them to process my dispute (as if it’s not already fraud there’s nothing to discuss!!) and if my case comes back as denied then they will reverse the charge so immediately I am so beyond disappointed I missed my rent payment due to the month not being there and $200 that’s rightfully mind I have missing and can not use at all towards my business the way I wanted to. Immediately cancelling after I get the deposit because you should not be offering services to business if you can’t even do a good job at maintaining business accounts!! ### 1/5 — Customer support sucks *2026-06-16, version 2.43.0* I’ve been scammed, someone pulled $53 from my account. When I called Relay and asked for support and spent 45 min on a call they eventually sent me to Visa, saying I need to figure it myself. Also sent an email on how to freeze my card. No 24/7 support, no fraudulent transaction support, basically threw me under the bus and told me to figure myself. No weekend support, no investigation was made, no nothing. I am highly disappointed in Relay service and currently transferring my money to another bank. There is a trade off for convenience, so I would rather be protected by big bank rather than begging for support from these guys. This is not how you support your customers. ### 1/5 — Stay away and save yourself a bunch of lies *2026-05-27, version 2.42.0* I signed up for my small business and this was a huge regret. I received a check from one of my customers (Governors Office) and the check was official. I reached out to customer service to get a deposit increase and was advised it would take 2 days and then went on to 3 days and then I was told the compliance team was reviewing my request. After numerous run around stories I got an email saying there was suspicious circumstances, LOL I first thought, maybe I can lay out my credentials and the impact I have in my industry. It wasn’t worth the effort or time, this is a joke of a bank or financial institution. This was a complete waste of time to sign up with these people. stay away and save yourself from the disappointment. ### 1/5 — Deposit *2026-05-18, version 2.41.0* I have a very bad experience with Relay banking so I request everyone not to work with them. Their service is very poor and dirty. ## Most praised reviews (10 highest-rated) ### 5/5 — Great way *2026-09-04, version 2.45.0* Great way to do banking. Very happy with the profit first idea. Love how you can separate all accounts and see your profits grow! Been using them now for 8 months. Totally happy. Thanks Relay! ### 5/5 — Glitchy after update *2026-09-01, version 2.45.0* After the last update the app is horribly glitchy. It never opens, it just “logs in “ On a loop. I haven’t been able to have the app work in 5 days. I have to go login on the laptop. This needs to be resolved. ### 5/5 — ADHD Approved! *2026-08-14, version 2.45.0* We moved our banking from a local bank to Relay… tisk tisk But here’s the thing - we’re in the 21st century. That doesn’t mean “online access” is enough for a business. Having free control of access and movement within the various accounts is necessary - and with Relay, doable. While I have a couple gripes with customer service and access to a person, the user system excels and let’s my brain do what it needs to do to stay on top of our various goals as a small business. Your banking shouldn’t revolve around a single account where you hope you have enough for such and such. With Relay, you don’t have to live that way. ### 5/5 — Easy *2026-08-11, version 2.45.0* Using Relay makes business easy! It has been a great change from traditional banking. ### 5/5 — Fast and Easy! *2026-08-06, version 2.44.0* As a freelance music artist with an extremely unpredictable schedule, finding a bank that can handle my unusual financial situation was a nightmare. Relay as fast, easy, and has extremely generous daily limits! It has solved many headaches for me! ### 5/5 — Running multiple businesses *2026-06-26, version 2.43.0* They try to make it easy when you have multiple businesses to run!! ### 5/5 — Financials *2026-06-06, version 2.42.0* Really like the auto split, what would be a game changer as if we can simply see money in money out across all accounts, and on individual accounts. If there was Smart categorization as well that would be pretty epic. ### 5/5 — Perfect *2026-06-05, version 2.42.0* Perfect bank for starting a business ### 5/5 — Great *2026-06-01, version 2.42.0* Great app ### 5/5 — Great for small start-ups *2026-05-29, version 2.42.0* Relay is free and a great place to start for small start-ups. Payments, Card usage, moving money and invoicing are a piece of cake. I’d recommend it to small businesses looking for free great banking services. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*