Relay · Last verified September 8, 2026
Relay
Built for owners who run a real bookkeeping system.
TRI Score
85.1
Excellent
#2 Best Business Banking
Overview
Our assessment
Relay's advantage is structure: many accounts and cards, clean permissions and accounting integration. It suits owners running Profit First or working closely with a bookkeeper.
Best for
- Owners with a bookkeeper
- Envelope-style money management
Not ideal for
- Businesses wanting branch service
Score breakdown
Why it scored 85.1
- Capability30%
- 85
- Value20%
- 92
- Ease of Use15%
- 88
- Reliability15%
- 85
- Professional Utility10%
- 86
- Momentum10%
- 78
How much the product can actually do, and how well it does the core job.
What you get for the price, including what the free plan really covers.
Time from signup to useful result, without training or a consultant.
Consistency, uptime, support responsiveness and predictable behaviour.
How well it fits real professional workflows, not demos.
Rate of meaningful improvement over the last two evaluation cycles.
Trade-offs
Strengths and weaknesses
- Up to 20 accounts
- Strong accounting integrations
- No meaningful interest on the base account
- Fewer lending products
Score history
How the score moved
- Jan 202682.7
- Apr 202683.5
- Jun 202684.3
- Sep 202685.1Latest evaluation cycle.
Head-to-head
Compared with
- No published head-to-heads yet.
Alternatives
Others in this category
- Mercury89.4
- Chase Business Complete84.2
Evidence
Sources
- Public dataPublic pricing and documentation
Where a claim could not be verified, we label it rather than estimate it. Read the methodology.