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Relay review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Relay is a business banking and debit card service, not a personal account, so it suits sole traders, freelancers and small firms that want everyday spending handled alongside their books. The monthly fee of $0 and 1% cashback on spend make it a low cost day to day tool.

Key facts

Best for
Small business owners who want a business account and debit card with no monthly charge.
Monthly fee
$0↗
Card type
Debit↗
Cashback rate
1%↗
Card network
Visa↗
Legal entity
Relay Financial Technologies Inc.↗
Founded
2018↗
Support channels
Email, Phone, Help-centre↗
Features
Virtual card
Audience
Business
Official website
relayfi.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXTrustpilotrelayfi.com

Pros and cons

Pros

  • Monthly fee of $0 for business banking
  • 1% cashback on card spend
  • debit card on the visa network, with virtual card options
  • Help centre, email and phone support through email, phone and help centre

Cons

  • Built for business customers only, so it is not a personal current account
  • $0 is priced in US dollars, which can add cost for readers outside the US
  • Support runs through email, phone and help centre, with no branch or in-app chat service listed
Relay

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Sole traders and freelancers who need spending separate from personal money
  • Small business owners who want a debit card with 1% cashback
  • Firms that keep bookkeeping in-house and want quick access to a visa card

Who should look elsewhere

  • Anyone after a personal current account, since Relay serves business customers only and is built for companies
  • Readers who want branch or in-app chat support, as help runs through email, phone and help centre with a help centre, email and phone
  • European readers who prefer euro or sterling pricing, given that the monthly fee of $0 is set in US dollars

How Relay compares

Frequently asked questions

How much is the Relay monthly fee?+

Relay charges a monthly fee of $0 for business banking, priced in US dollars. Card spend earns 1% cashback, so the day to day cost sits with transactions rather than a standing charge. Compare that with €0 at bunq or £0 at Wise.

Is Relay a personal account?+

No. Relay is aimed at business customers, so sole traders, freelancers and limited companies fit the audience it serves. Personal current account seekers are better served by a personal provider such as Wise or Starling Personal Account Debit Card.

What card does Relay offer?+

Relay issues a debit card on the visa network, so card payments and withdrawals behave like an ordinary business debit card. Virtual cards are also listed among its features, which helps when a physical card is not practical.

How is Relay regulated and is my money protected?+

Relay Financial Technologies Inc. is the legal entity behind the account, and the published details list no regulator or protection scheme for the money it holds. Readers who want a named deposit protection scheme should check that with the provider before holding a large balance.

How do I get help from Relay?+

Support runs through email, phone and help centre, covering a help centre, email and phone. There is no branch network in that list, so questions about a blocked card or a disputed payment are handled remotely.

Does Relay pay any rewards on spending?+

Yes. Card spend earns 1% cashback, and cashback is the most common rewards style among the debit cards compared on SumCue, with points and miles far less frequent. The monthly fee of $0 means the cashback is the main thing to weigh.

When was Relay founded and who runs it?+

Relay was founded in 2018 and operates as Relay Financial Technologies Inc.. The account is aimed at business customers, so the service is built around company spending rather than personal banking.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Relay

Relay

Small business owners who want a business account and debit card with no monthly charge.

8.8/10See alternatives