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4.85 out of 5 stars
Relay is small business banking built for you and your clients.


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 insurance up to $250k per business
  • 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
Explore all features of Relay

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

4.8 out of 5 stars
26 Reviews
5 star(92%)
4 star(4%)
3 star(0%)
2 star(4%)
1 star(0%)
Jordan Schrage
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.
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.

Additional info

Shared data

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

App details

Added in 2020


United States




Setup walkthroughContact supportsupport@relayfi.com




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.