Relay AI
Relay
Business banking with AI-powered financial clarity
Quick Answer
Relay is business banking with AI cash flow management and up to 20 checking accounts for organizing money by purpose. Free plan available with Pro at $30/month. Popular with Profit First businesses and bookkeepers. US and Canada.
What It Does
Relay provides up to 20 business checking accounts for organizing money by purpose, AI-powered cash flow tracking and analysis, automated bill payment and approval workflows, 50 virtual and physical debit cards, integration with accounting software and bookkeeping tools, real-time transaction insights, automated transfers between accounts based on rules, and financial health dashboards for small business operators.
What It Cannot Do
Relay does not offer credit cards or lending products. It is a banking platform not a full accounting solution — it works alongside QuickBooks or Xero rather than replacing them. Some features require US business registration. Not suitable for businesses needing credit facilities or complex treasury management.
Who Is It For
Small business owners in the US and Canada who want to organize their business finances across multiple purpose-specific accounts. Particularly popular with businesses following the Profit First methodology and bookkeepers managing client finances.
About Relay AI
Relay is a Canadian fintech company offering business banking designed for small businesses that want to organize their finances more intelligently than a single business checking account allows. Its signature feature is the ability to create up to 20 checking accounts and 50 virtual cards to organize money by purpose — taxes, payroll, operations, savings — a system popularized by the Profit First methodology. Relay's AI helps businesses understand their cash flow, automate transfers between accounts, manage bill payments, and get insights on financial health. The platform has gained strong traction among small business owners and bookkeepers.
Pricing and Access
Free plan includes core banking features and multiple accounts. Relay Pro $30/month adds priority support, higher ACH limits, and advanced automation features. FDIC insured through Thread Bank.
Platforms
How AI Works
HybridFounded
2018
Headquarters
Toronto, Canada