TOP10PLATFORMS
For business

Relay

Online business banking and cash-flow organisation for US SMBs

relayfi.com ↗Claim this profile

TOP SCORE™

59/100

#3 of 9 Financial

↓1 positionHigh confidence

Score breakdown

What makes up this score

External Reputation82
  • 2 independent review sources
  • 3,643 third-party reviews counted
AI Authority29
  • 3 answer engines measured
  • cross-model consistency 0.95
Web Authority68
  • 27 web authority signals
  • average citing-domain authority 45
Expert Assessment50
  • 100% of the category rubric covered
TOP10 User Score—
  • No approved user reviews yet

Explanation

Why Relay ranks #3

Relay ranks #3 of 9 financial with a TOP SCORE of 59.

The category leader scores 64, a gap of 5 points.

That is 4 points above the category average of 55.

Its strongest component is External Reputation at 82; its weakest is AI Authority at 29.

No usable evidence was found for TOP10 User Score, so that weight was redistributed across the components that are evidenced.

Generated from the recorded evidence behind this score, not from editorial opinion. How scoring works.

Score history

How the score has moved

53 → 60 ↑6.7

05010030 Aug1 Sept

External reputation

What third-party sources publish

SourcePublishedNormalisedReviewsLast checkedMethod
Trustpilot ↗4.4/5883.6k31 Aug 2026permitted crawl
G2 ↗4.4/5883031 Aug 2026permitted crawl

AI visibility

How answer engines treat this platform

EngineMentionRecommendationCitationAvg positionQueriesMeasured
claude sonnet 5 parametric25%8%0%2.71231 Aug 2026
claude grounded15%15%15%2.32030 Aug 2026
claude parametric10%10%0%2.52030 Aug 2026

Web authority

Citations and independent coverage

TOP10 users

What our users report

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Company information

The facts on file

Description
Relay is an online business banking and money-management platform for US small and medium businesses, combining checking and savings accounts, payments, debit and credit cards, bill pay, invoicing and expense tracking with approvals and accounting integrations. Relay is a financial technology company, not a bank — banking services are provided by Thread Bank, Member FDIC, with pass-through deposit insurance subject to conditions. It is built for owner-operators running Profit First or envelope budgeting across many accounts, with bookkeepers in the loop.
Category
Financial
Products
Business checking accounts (20 on Starter, 50 per business on Scale), Business savings accounts with tiered APY, Relay Visa Debit Card (issued by Thread Bank), Relay Visa Credit Card with tiered cash back, Bill pay and payments (ACH, same-day ACH, domestic and international wires), Invoicing (creation, tracking, recurring invoices), Expense tracking, receipt capture and spend controls, Multi-step approval rules and bookkeeping automations
Markets
SMB, Solopreneurs and startups, Small and medium teams, Large teams, Accountants and bookkeepers
Countries
United States
Integrations
Intuit QuickBooks, QuickBooks Online, Qbo, Xero, Gusto, Stripe Payments, Digits, Faire–QuickBooks Online
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 pricing page ↗
Regulatory
Relay is a financial technology company and is not an FDIC-insured bank; banking services are provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank and certain conditions must be satisfied for pass-through coverage to apply. The Relay Visa Debit Card and Relay Visa Credit Card are both issued by Thread Bank, Member FDIC, pursuant to a licence from Visa U.S.A. Inc. Relay publishes a formal 'File a Complaint' resolution path plus chat and a Trust Center. Trustpilot lists Relay under the 'Bank' category, which is a directory label and not a licence.
Official website
https://relayfi.com ↗
Last verified
31 Aug 2026

Compare

Head to head

Category context

  • This platform59
  • Category leader64
  • Category average55
See the full Financial ranking →

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