Relay Pricing (2026)

Flat-rate monthly tiers with no per-seat complexity — you're paying for access to banking and automation features, not headcount. Transaction fees layer on top, so actual cost scales with usage volume even if the base price doesn't.

From $30/mo 3 plans flat-rate Free plan Free trial
Starter
$0/mo
Grow Popular
$30/mo
Scale
$120/mo
Verified Jul 25, 2026 Official pricing page
Screenshot of Relay's pricing page showing its plans and prices
Their pricing page, captured Jul 25, 2026

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Starter

$0/mo
  • 0.91% APY¹ on savings accounts
  • 1% cash back* on credit cards⁴
  • 20 checking accounts
  • Built-in spend controls
  • Receipt upload reminders

Grow

Popular
$30/mo
  • 1.55% APY¹ on savings accounts
  • 1.25% cash back* on credit cards⁴
  • Multi-step approval rules
  • Recurring invoices
  • Bookkeeping automations

Scale

$120/mo
  • 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

AI Pricing Analysis

Pricing Model

Flat-rate monthly tiers with no per-seat complexity — you're paying for access to banking and automation features, not headcount. Transaction fees layer on top, so actual cost scales with usage volume even if the base price doesn't.

Tier Strategy

Starter is a no-risk entry point for solo operators or early-stage businesses just getting off the ground. The jump to Grow ($30) likely unlocks meaningful automation or multi-account features, and Scale ($120) is clearly aimed at teams running serious cash flow operations who need the full feature set.

Competitive Positioning

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.

Growth Lever

The limited-time discount on Scale ($90 vs. $120) is a classic conversion nudge to get teams locked into the top tier before the price normalizes. Expansion likely comes from hitting limits on accounts, automation workflows, or team access — plus transaction fees that grow naturally as the business does.

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 0.91% apy¹ on savings accounts, 1% cash back* on credit cards⁴, 20 checking accounts — plus 2 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. You don't need a credit card to start.
How does the pricing work?
Flat-rate monthly tiers with no per-seat complexity — you're paying for access to banking and automation features, not headcount. Transaction fees layer on top, so actual cost scales with usage volume even if the base price doesn't.
Is there a discount for annual billing?
Limited-time discount: Scale plan reduced from $120/month to $90/month.
Which plan makes sense for me?
Starter is a no-risk entry point for solo operators or early-stage businesses just getting off the ground. The jump to Grow ($30) likely unlocks meaningful automation or multi-account features, and Scale ($120) is clearly aimed at teams running serious cash flow operations who need the full feature set.

More Finance pricing

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Comparing Relay to something specific? Try Relay vs Bill.com, Relay vs Brex, or Relay vs ChartMogul.

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