Head to head
Relay vs Lili
Both platforms are scored with the same methodology and the same category rubric. Nothing on this page is influenced by advertising.
60/100Higher score | 54/100 | |
|---|---|---|
| Category rank | #3 | #7 |
| Confidence | High confidence | High confidence |
| External Reputation | 82 | 89 |
| AI Authority | 29 | 2 |
| Web Authority | 68 | 67 |
| Expert Assessment | 54 | 56 |
| TOP10 User Score | — | — |
| Pricing | USD $30/month (Grow, 14-day trial) · free tier: Starter — $0/month with no time limit and no monthly maintenance fees: 20 checking accounts, 1.11% APY on savings, 1% credit card cash back, 50 credit and debit cards, unlimited users, invoicing, accounting integrations, built-in spend controls | $15/month (Lili Pro; $9/mo for first 3 months) · free tier: Lili Core at $0/mo, no minimum deposit — business checking, Visa debit card, ACH/check/wires, credit access, savings APY, FDIC insurance up to $3M, integrations, 7-day support |
| Pricing model | Freemium subscription (paid tiers) plus per-transaction fees | Subscription |
| Best for | US small businesses at any size up to roughly $1M+ revenue that want to physically separate money across many checking accounts for Profit First or envelope budgeting, work with a bookkeeper on QuickBooks Online or Xero, and need spend controls across many cardholders — provided they maintain a second banking relationship for payroll and wires. | US-based freelancers, sole proprietors and single-member LLCs with steady, moderate-value electronic income who want bookkeeping, invoicing and tax set-aside inside their bank account and work primarily from a phone. |
| Avoid if | You cannot survive a multi-week freeze on operating capital, depend on high-volume or time-critical international wires, need point-of-sale functionality, require contractual support SLAs or a named account manager, want deposit insurance at the institution you bank with directly, or are choosing primarily on per-transaction cost. | You have lumpy or irregular income, deposit large one-off cheques, need guaranteed same-day wires, hold large balances chasing the advertised 4.00% APY, require desktop-heavy reconciliation, or want a direct chartered-bank relationship with a clear regulatory escalation path. |
| Markets | SMB, Solopreneurs and startups, Small and medium teams, Large teams, Accountants and bookkeepers | Freelancers, Sole proprietors, Single-member LLCs, SMB |
| Founded | — | — |
| Headquarters | — | New York, NY, USA |
A higher TOP SCORE means more of the evidence favours that platform on this methodology — it is not a recommendation, and it does not account for your specific requirements. Advertisers are never declared the winner of a comparison.