Relay Pricing (2026)

Flat-rate across three tiers rather than per-seat or usage-based, though transaction fees stack on top of the plan price — so the real cost depends on how much money moves through the account, not just which tier you pick.

From $30/mo 3 plans flat-rate Free plan Free trial Best Relay alternatives → Relay's competitors →
Starter
$0/mo
Grow Popular
$30/mo
Scale
$120/mo
Verified Aug 22, 2026 Official pricing page
Screenshot of Relay's pricing page showing its plans and prices
Their pricing page, captured Aug 22, 2026

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Starter

$0/mo
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users
  • 1.11% APY on savings accounts
  • 1% cash back* on credit cards
  • 20 checking accounts
  • Built-in spend controls
  • Receipt upload reminders

Grow

Popular
$30/mo
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users
  • 1.75% APY on savings accounts
  • 1.25% cash back* on credit cards
  • Multi-step approval rules
  • Recurring invoices
  • Bookkeeping automations

Scale

$120/mo $90/mo annual
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users
  • 3.00% APY on savings accounts
  • 1.5% cash back* on credit cards
  • 50 checking accounts per business
  • 10 free same-day ACH per month

Does Relay have a free plan?

Yes: the Starter plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $30/mo. Paid tiers also come with a free trial (14 days).

What the free plan includes

  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users
  • 1.11% APY on savings accounts
  • 1% cash back* on credit cards
  • 20 checking accounts
  • Built-in spend controls
  • Receipt upload reminders

AI Pricing Analysis

Pricing Model

Flat-rate across three tiers rather than per-seat or usage-based, though transaction fees stack on top of the plan price — so the real cost depends on how much money moves through the account, not just which tier you pick.

Tier Strategy

Starter is the free hook for freelancers or tiny teams just testing out business banking features, Grow at $30/mo fits small teams needing more automation or user seats, and Scale at $120/mo (temporarily $90) targets growing companies that need higher limits and more sophisticated controls. The upgrade trigger is likely less about seats and more about transaction volume and needing deeper financial tooling as the business scales.

Competitive Positioning

Sits in the mid-market range for fintech-banking hybrids — not free-forever like a basic business checking account, but far cheaper than enterprise treasury platforms. They're clearly courting startups and SMBs who've outgrown a plain bank account but aren't ready for enterprise financial ops software.

Growth Lever

Expansion is driven by transaction volume and the need for higher-tier financial features, not just seat count — the Scale plan discount signals they're actively pushing mid-size teams to commit now before the price reverts to $120. The FDIC/Thread Bank disclosure also hints that trust and banking credibility, not just features, is part of what closes the upgrade.

Want the strategist's read on the live page? Read the AI teardown of Relay's pricing page →

Relay Pricing FAQ

How much does Relay cost?
Paid plans start at $30/mo, going up to $120/mo for larger teams. You can get started on the free plan before committing.
Is there a free plan?
Yes. The "Starter" plan is free forever, not just a trial. You get 50 credit & debit cards, invoice creation & tracking, accounting integrations — plus 6 more features. It's enough to evaluate the product before upgrading.
Can I try it before paying?
Yes — there's a free trial that lasts 14 days.
How does the pricing work?
Flat-rate across three tiers rather than per-seat or usage-based, though transaction fees stack on top of the plan price — so the real cost depends on how much money moves through the account, not just which tier you pick.
Is there a discount for annual billing?
Yes — you save up to 25% if you pay annually instead of month-to-month. They also mention: "Limited-time discount on Scale plan ($120 to $90/month)."
Which plan makes sense for me?
Starter is the free hook for freelancers or tiny teams just testing out business banking features, Grow at $30/mo fits small teams needing more automation or user seats, and Scale at $120/mo (temporarily $90) targets growing companies that need higher limits and more sophisticated controls. The upgrade trigger is likely less about seats and more about transaction volume and needing deeper financial tooling as the business scales.

More Finance pricing

All Finance pricing →

Comparing Relay to something specific? Try Relay vs Bill.com, Relay vs Brex, or Relay vs ChartMogul. Or see the best Relay alternatives, ranked.

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