Expensify vs Relay Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Collect
Popular- Receipt scanning
- Reimbursements
- Corporate card management
- Expense and travel approvals
- Travel booking and rules
- QuickBooks/Xero integrations
- Chat on expenses, reports, and rooms
- AI and human support
- Unlimited SmartScans
- Distance tracking
- Expense approvals
- Third-party card feeds and reconciliation
- Expense categories and tags
- ACH reimbursement
- QuickBooks Online and Xero
- Delegated access
- In-product reporting
- NetSuite, Sage Intacct, and QuickBooks Desktop
- Certinia, Workday, Gusto and Zenefits
- Multiple expense approvers
- SAML/SSO
- Admin-enforced controls
- Custom insights and reporting
- Budgeting
- Unlimited cards
- Smart Limits
- Up to 2% cash back*
- Virtual cards
- Save up to 50% on Expensify
- Unlimited travel bookings
- Flights, hotels, cars, and rail
- Customizable travel rules
- Unlimited group policies
- Integrated with expense rules
- Trip approvals
- 24/7 travel support line
- Travel reporting
- 24/7 realtime chat with humans
- AI-driven alerts
- Account executive
- Account manager
- Quarterly business reviews
- Expense and report-level commenting
- Customized chat rooms
- Employee DMs
- Detailed audit history
- Invoice/bill scanning
- Digital address for processing
- Automated payments
- Invoice chat rooms for collaboration
Control
- Multiple approval flows
- Custom expense rules
- ERP integration (NetSuite, Sage Intacct)
- HR integrations with Workday/Certinia
- SAML/SSO
- Custom insights and reporting
- Budgeting
- Unlimited SmartScans
- Distance tracking
- Expense approvals
- Third-party card feeds and reconciliation
- Expense categories and tags
- ACH reimbursement
- QuickBooks Online and Xero
- Delegated access
- In-product reporting
- NetSuite, Sage Intacct, and QuickBooks Desktop
- Certinia, Workday, Gusto and Zenefits
- Multiple expense approvers
- Admin-enforced controls
- Unlimited cards
- Smart Limits
- Up to 2% cash back*
- Virtual cards
- Save up to 50% on Expensify
- Unlimited travel bookings
- Flights, hotels, cars, and rail
- Customizable travel rules
- Unlimited group policies
- Integrated with expense rules
- Trip approvals
- 24/7 travel support line
- Travel reporting
- 24/7 realtime chat with humans
- AI-driven alerts
- Account executive
- Account manager
- Quarterly business reviews
- Expense and report-level commenting
- Customized chat rooms
- Employee DMs
- Detailed audit history
- Invoice/bill scanning
- Digital address for processing
- Automated payments
- Invoice chat rooms for collaboration
Starter
- 0.91% APY¹ on savings accounts
- 1% cash back* on credit cards⁴
- 20 checking accounts
- Built-in spend controls
- Receipt upload reminders
Grow
Popular- 1.55% APY¹ on savings accounts
- 1.25% cash back* on credit cards⁴
- Multi-step approval rules
- Recurring invoices
- Bookkeeping automations
Scale
- 3.00% APY¹ on savings accounts
- 1.5% cash back* on credit cards⁴
- 50 checking accounts per business
- 10 free same-day ACH per month
Expensify vs Relay FAQ
- Which one is cheaper?
- Expensify starts lower at $5/mo, compared to $30/mo for Relay.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Expensify uses per-seat pricing, while Relay goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Expensify: At $5-9 per active user, they're undercutting Concur and Certinia significantly while sitting in the same ballpark as Ramp and Brex — but those are card-first products. Expensify is going after mid-market finance teams that want a dedicated expense tool without enterprise pricing. Relay: At $0–$120, Relay is priced accessibly against business banking and financial ops tools — undercutting more established players like Mercury's add-ons or Brex's premium tiers. They're clearly going after small-to-mid-sized businesses who want more than a basic bank account but can't justify enterprise fintech pricing.
Still deciding? See the best Expensify alternatives or the best Relay alternatives, ranked with verified pricing.
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We'll monitor pricing changes for Expensify and Relay and let you know when something moves.