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4.84 out of 5 stars
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

4.8 out of 5 stars
25 Reviews
5 star(92%)
4 star(4%)
3 star(0%)
2 star(4%)
1 star(0%)
Leon Fleyshman
4 out of 5 stars

New tech evolution

Relay offers an evolution in banking. Experienced users will see some benefits immediately: great customer service, solid feeds, nice to be able to say to our friends that wire transfers are free, a single login for multiple clients, etc. Yes, there are some unfinished issues they are working on - and this is to be expected for new tech. As a business owner, I'm interested in a solid ecosystem, and simply want banking to work. We support Relay and genuinely like their service and people. Considering what they are trying to do, we are more than willing to experiment with them. All of us will benefit.
Joe Hand
2 out of 5 stars

I would love it to be functional

We've faced nonstop issues with Relay. I was excited about all the positive review here. But unfortunately we've not had the same experience. As a former software developer, its clear their team is not focused on the details. I've received emails with "NULL" in them when data was missing. They have counters screens that are regularly wrong (step 4 out of 3). Their international wire form requires you send an email to support to understand why it isn't validating, even if its just a character that isn't allowed. Our Xero connection randomly fails. Bills don't show up, leading us to miss payments. The only redeeming thing so far is their customer service is responsive.
Kimberly Erick
5 out of 5 stars

Relay is a Rockstar

Never have a broken bank feed, have more information to sleuth client expenses, easy ACH payments. I can't tell you how much easier it is with clients who have listened and opened their Relay accounts.
Additional info

Shared data

Contactsshared from Xero to Relay and from Relay to Xero
Invoicesshared from Xero to Relay
Paymentsshared from Xero to Relay and from Relay to Xero

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.