1. Discover
  2. Bills and expenses
Relay is banking designed to make paying bills and reconciling accounts fast, easy, and reliable. The only solution to auto-sync your banking data with Xero in real-time.

Finally, a bank that makes your accounting easier, not harder. And, gives you better visibility into your money.

With Relay, you get all the features you would expect from your bank and so much more, including a powerful integration with Xero.

Want better visibility into your money? Relay helps you stay on top of your cashflow with as many bank accounts as you need, without the monthly fees or minimum balances.

Need more control over your team’s spending? Relay lets you easily issue physical or virtual Mastercard debit cards with spending limits.

Want to spend less time on payables? By integrating with Xero, Relay gives you access to your unpaid bills, allows you to set-up approval workflows, and pay suppliers via ACH, wire, or check.

Need to collaborate with your accountant or bookkeeper? Relay lets you invite them with assigned permissions.

Want to close the books faster and with more confidence? Relay shares a direct bank feed with Xero and sends reliable, enriched transaction data (including category) in real-time.

We know that delightful banking features to help you manage your money, payments, and bookkeeping aren’t enough. You need to trust the bank that you’re working with. That’s why we’ve partnered with time-tested institutions Evolve Bank & Trust and Mastercard to deliver banking that is as secure as it is easy to use.

  • FDIC insured up to $250,000 per business
  • Protected by Mastercard Zero Liability Policy
  • Two-factor authentication and biometric security

Are you ready for banking designed to help you grow your business?

Explore all features of Relay

Relay + Xero

Relay shares a bi-directional connection with Xero to help you spend less time paying bills and reconciling accounts.

It automatically pulls in unpaid bills from Xero and allows you to set-up approval workflows and pay suppliers via ACH, wire, or check.

It also has a direct bank feed into Xero, and shares reliable, enriched transaction data (including category) in real-time.

Reviews & ratings

20 Reviews
5 star
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1 star
Steve Chaney

Relay Financial is the BEST!!

As the first US Xero Partner, I have tried many different apps in serving hundreds of customers. Relay Financial has been the missing piece for our firm. We are better able to serve our customers because of Relay Financial. Relay Financial provides a seamless process for payables and banking with Xero. It is an amazing banking service. The support is always timely and right on point. To all the outsourcing firms, stop looking.....Relay Financial is your solution for banking with your customers.
Jason Staats

The best small biz bank today

I've tried every small business bank out there right now, I work with hundreds of small businesses using various systems: Relay is the best small biz bank out there today.
Marc Rayner

Living the Dream

I have to say that I have now worked with multiple companies through RelayFi and have gone back and forth with every issue, question and function without fail. These guys are AMAZING and get back to me right away. My clients love it and having a single sign on is a dream.
Additional info

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App details

Added in 2020
Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.