Relay Pricing (2026)

Flat monthly fee per plan rather than per-seat or usage-based, though transaction fees stack on top of the subscription — so the real cost depends on how much money is actually moving through the account, not headcount.

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 Sep 19, 2026 Official pricing page
Screenshot of Relay's pricing page showing its plans and prices
Their pricing page, captured Sep 19, 2026

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Starter

$0/mo
  • 1.19% APY on savings accounts
  • 1% cash back* on credit cards
  • 20 checking accounts
  • Built-in spend controls
  • Receipt upload reminders
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users

Grow

Popular
$30/mo
  • 1.87% APY on savings accounts
  • 1.25% cash back* on credit cards
  • Multi-step approval rules
  • Recurring invoices
  • Bookkeeping automations
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users

Scale

$120/mo
  • 3.21% APY on savings accounts
  • 1.5% cash back* on credit cards
  • 50 checking accounts per business
  • No fee for same-day ACH
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users

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

  • 1.19% APY on savings accounts
  • 1% cash back* on credit cards
  • 20 checking accounts
  • Built-in spend controls
  • Receipt upload reminders
  • 50 credit & debit cards
  • Invoice creation & tracking
  • Accounting integrations
  • Unlimited users

AI Pricing Analysis

Pricing Model

Flat monthly fee per plan rather than per-seat or usage-based, though transaction fees stack on top of the subscription — so the real cost depends on how much money is actually moving through the account, not headcount.

Tier Strategy

Starter's the free on-ramp for freelancers or tiny teams just testing out banking-plus-bookkeeping features, Grow fits small businesses that need more transaction volume or automation, and Scale kicks in once a company needs higher limits or multi-user access that the cheaper tiers cap out on.

Competitive Positioning

Sits in the budget-to-mid range of the fintech banking space, undercutting traditional business banking add-ons and neobank competitors that charge more for similar automation — the free plan is clearly bait to get people in the door before upselling.

Growth Lever

Transaction fees plus tier limits are the real expansion engine here — as a business processes more payments or needs more seats/automation, they get pushed past Starter's free ceiling and eventually into Scale, especially with that discount nudging early adopters up.

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 1.19% apy on savings accounts, 1% cash back* on credit cards, 20 checking accounts — 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 monthly fee per plan rather than per-seat or usage-based, though transaction fees stack on top of the subscription — so the real cost depends on how much money is actually moving through the account, not headcount.
Is there a discount for annual billing?
Limited-time discount on Scale plan ($120 to $90/month).
Which plan makes sense for me?
Starter's the free on-ramp for freelancers or tiny teams just testing out banking-plus-bookkeeping features, Grow fits small businesses that need more transaction volume or automation, and Scale kicks in once a company needs higher limits or multi-user access that the cheaper tiers cap out on.

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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