Pleo 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.
Starter
- Physical and virtual cards
- Accounts payable
- Real-time expense tracking
- Automated expense reports
- Accounting system integrations
- Chat support
- 1 vendor card
- Credit limit up to GBP 5,000*
Essential
- Reimbursements
- Mileage
- AI-powered spend guidelines
- Flexible card limits
- Up to 25 vendor cards
- Approval workflows
- Recurring vendor tracking
- Credit limit up to GBP 20,000*
Advanced
- Cashback*
- Advanced card controls
- Up to 100 vendor cards
- Budgets
- HRIS integrations
- Advanced approval workflows
- Credit limit up to GBP 250,000*
Business
- Multi-entity management
- Premium integrations**
- AI-powered expense review
- Advanced vendor management
- Cash management
- Spending insights
- Assisted onboarding
- Credit limit up to GBP 500,000*
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
Pleo vs Relay FAQ
- Which one is cheaper?
- Pleo starts lower at $9/mo, compared to $30/mo for Relay.
- Can I use either one for free?
- Relay has a free plan. Pleo doesn't — though they do offer a free trial.
- How do they charge?
- Both use a flat-rate model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Pleo: Pleo sits in the mid-market of corporate spend management — not as cheap as basic expense tools, but undercutting enterprise players like Spendesk or Payhawk at the top end. They're clearly targeting European SMBs and scaling startups who've outgrown manual expense reports but aren't ready for a full procurement suite. 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 Pleo alternatives or the best Relay alternatives, ranked with verified pricing.
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