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By Relay
4.57 out of 5 stars
Relay is small business banking built for you and your clients.
out of 5
Reviewed by
Xero users
Listed for
3 years
November 2020
Key functions
Bills and expenses


Relay is a no-fee, online business banking and money management platform built to solve the unique cash flow challenges faced by small businesses and the back-office busy work that their accountants and bookkeepers take on.

Our banking features and accounting software integrations solve all the pesky problems that traditional business banks cause for you: vague and incomplete transaction data, broken bank feeds and risky, unreliable methods for accessing client bank accounts.

With Relay, each of your clients will get:

  • No account fees or minimum balances that tie up cash flow
  • FDIC insured via Thread Bank and Evolve Bank & Trust
  • 20 checking accounts to compartmentalize income and expenses
  • 50 physical or virtual and physical debit cards to organize spend
  • ACH, wire, or check deposits and payments
  • Personalized customer support by email, chat and phone

You, the advisor, get business banking features that streamline your back-office:

  • Reliable bank feeds that don’t break, skip or duplicate
  • Speedier reconciliation with ultra-detailed transaction data
  • Safe, hassle-free access to client banking via your own role-based login
  • Simple, convenient accounts payable features baked into client banking

Disclaimer: Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank and Evolve Bank & Trust; Members FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Relay + Xero

Relay syncs ultra-detailed transaction data into Xero to help you reconcile accounts faster and with less back-and-forth with clients.

Debit card transactions have clean, standardized vendor names and they’re pre-categorized for you. Outgoing ACH, check and wire payments all include a “reason for payment,” and incoming check deposits include a picture of the check.

Plus, with Relay Pro—a subscription-based accounts payable add-on—centralizes accounts payable and client banking. With Relay Pro, you can:

  • Auto-import unpaid bills from Xero into Relay Review, approve and pay all bills from a single Relay dashboard
  • Create single- or multi-step approval rules for bill payments
  • Consolidate payments to the same vendor into a single transaction
  • Auto-sync paid bills as “paid” back to Xero for one-click reconciliation

Reviews & ratings

4.6 out of 5 stars
28 Reviews

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Most recent reviews

Eric LaFleur
Posted 18 Mar 2023
1 out of 5 stars

Terrible Service

ACH fails to make payments, repeated and duplicate payment problem, never a response from Relay, bugs in platform that produce errors and prevent use of the platform.
Timothy Brauning
Posted 28 Nov 2022
1 out of 5 stars


DO NOT BANK WITH RELAY FINANCIAL They forcefully require all bank accounts to switch from their "1.0" to their "2.0". I have had this bank for a few years and have to make this switch. I now have to manually update all my subscriptions and inform my clients that they, too, have to do more work switching my account numbers around. Find another bank. I hear Novo is good. When is this going to change again, causing the same issues? "3.0" in the next year? "4.0" the year after?
Jordan Schrage
Posted 19 Aug 2022
5 out of 5 stars

Love it. Easy to use

Love this bank. Payments are easy, Deposits easy. Not cash friendly but have solutions. Great user control. I am an accountant and love how this bank handles multi-entity banking and allows us to be way more efficient. Images of checks come through the bank feed via a link. Its great.

Additional info

Shared data

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


Bills and expensesPayments



App details

By Relay
Added in 2020


United States




Setup walkthroughContact





Get started with Relay

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.