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Relay Financial Reviews 

3,504
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 864 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness and professional approach, often highlighting specific individuals who provided excellent support and personalized service. People frequently commend the exceptional customer service for its prompt responses, clear communication, and overall ease of use, making business banking simpler and more efficient. However, some customers noted issues like accounts being frozen or closed without notice, and found customer service unresponsive for complex problems, with tickets going unanswered. Additionally, a few reviewers experienced considerable difficulty with international wire transfers, finding the process impossible to complete.

What people talk about most

Customer service

Customers had positive experiences with customer service, often praising the responsiveness, helpfulness, and... See more

Staff

People report positive experiences with staff, highlighting their professionalism, responsiveness, and... See more

Service

Consumers find service to be positive, with many reviewers expressing satisfaction and recommending the... See more

User experience

Reviewers mention positive feedback about user experience, highlighting that establishing an account and... See more

Response time

Customers consistently note ambiguous experiences with response times, with many praising the responsiveness... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Rose helped me overcome some challenges with how our account was setup. While the process took some time, and required multiple steps, Rose was fantastic in consistent email follow up to help me under... See more

Company replied

Rated 5 out of 5 stars

Camille was wonderful to work with, understood my ask and was very clear and supportive. I sure hope she's being taken care of well by Relay. I have no doubt she's a valuable asset to this bank and ho... See more

Company replied

Rated 5 out of 5 stars

Always great customer service. Awesome products. Regular updates. Great app. Low/no fees. Super simple, streamlined ease of use. Won't go back to traditional or other business bank again.

Company replied

Rated 5 out of 5 stars

Awesome overview for small businesses! I just attended the Relay Demo Webinar and it was fantastic. They did a great job breaking down how their platform actually makes business banking easier.... See more

Company replied


Company details

  1. #19 of 27 best companies in Bank
  2. #14 of 20 best companies in Accounting Software Company
  3. #80 of 110 best companies in Financial Institution
  4. #22 of 30 best companies in Money Transfer Service
  5. #201 of 252 best companies in Non-Bank Financial Service
  6. #1 of 1 best companies in Private Sector Bank

Written by the company

Relay is an online banking platform that puts business owners in complete control of their cash flow. By helping them clearly understand what they're earning, spending, and saving, Relay empowers entrepreneurs to make smarter decisions about their business and reach peak profitability. Disclaimer: Relay is a financial technology company, not a bank. Banking services are provided by Thread Bank; Member FDIC.

Putting you in complete control of your cashflow

Written by the company

Know what you're earning, and make every dollar count
When expenses pile up, clarity matters. Relay provides a detailed breakdown of every transaction, categorizes purchases automatically, and keeps receipts organized—no chasing required.

Industry leading customer support

Support when you need it

You can reach our Customer Experience team by phone at 1-888-205-9304 or via email at support@relayfi.com. Our hours of operation are 9am to 8pm EST, Monday through Friday.

Contact info

Promotion box for Relay Financial

Highest rated business banking platform

No monthly fees or minimum balances, create up to 20 checking accounts

4.3

Excellent

TrustScore 4.5 out of 5

4K reviews

5-star
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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 89% of negative reviews

Typically replies within 1 month

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.3

All reviews

(3,504)

858 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Outstanding Support and Seamless Platform!

I had a wonderful experience setting up my business account with Relay. Their customer service is truly top-notch. A huge thank you to Irha from the support team, who was incredibly responsive and quickly approved my address verification. The platform itself is highly intuitive and perfect for business banking. Highly recommend!

July 21, 2026
Rated 5 out of 5 stars

Strength through automation

Relay delivers most of its value through automation, which I like. Over the years, the few times where human intervention was necessary, I found the staff friendly and efficient.

July 21, 2026
Rated 1 out of 5 stars

Rosie at Relay likes to misgender and use dead names -

Rosie at Relay Financial might be the most uncaring or unsupportive customer service agent I've encountered.

Rosie contacted me to explain that my account had been frozen for a compliance review and asked I deposit money into the account to cover a small transaction.

I tried, of course, through the app but found that since my account was frozen, I was unable to deposit, withdraw, close, or use the account at all. I replied to Rosie, explaining that since she froze the account, I was not able to complete the tasks she was requesting other than provide my EIN, invoices, and website URL.

Great, I did that.

I should mention that Rosie doesn't reply. She emails me instructions, freezes my account, then goes radio silent.

After a week of silence and a frozen account, I reached back out to Rosie, explaining again that since she had frozen the account, there wasn't much I could do.

She unfroze the account, requested that I make the deposit immediately, and then emailed her back to let her know I had done so.

I did.

This time, I guess Rosie read my email signature, which is signed with my middle and last name. Legal names on my birth certificate. Legal names I provided on my application. I go by my middle name, not my first. Rosie pounced on this, as if I were trying to scam her.

She said my name doesn't match the person on the account, and Rosie wants the person on the account to reach out and confirm my position within the company.

Rosie told me to have the account holder contact her and Relay. Rosie asked that 'she,' the 'account holder,' explain my role in the company.

I told her to check the application I submitted when I opened the business account. Check the names, the SSN, the EIN, whatever. Even my website URL uses my middle name. Rosie, if you or another agent had done a little bit of research, you would have discovered all the information you were berating me for.

THEN -

Rosie dares to email me back. She continued to use my first name when addressing me, thanking me for clearing up the misunderstanding and asking me to reach out if I ever had any other questions. Thanking me again for being a customer, using my first name.

After arguing with this "customer service" agent and telling her I use my middle name, she purposefully continued to misgender me and call me by my first name.

I was named after my father, who, well...

I have PTSD because of this name, which is why I never, ever use it and recoil when I hear it. I asked to be respectfully addressed using my legal middle name, and the agent refused.

I closed my account.

Relay Financial, if you read this - Rosie is, well, rude to put it mildly.

July 13, 2026
Unprompted review
Rated 5 out of 5 stars

I recently had a fantasticExceptional Customer Support and Smooth Onboarding! experience…

I recently had a fantastic experience setting up my business account with Relay. Their platform is incredibly user-friendly, but what truly sets them apart is their outstanding customer service.
A special shoutout to Irha from the support team! She was extremely professional, responsive, and quickly completed the manual review of my personal address verification to get everything sorted. It is rare to find business banking with such a supportive and human touch. I highly recommend Relay to any business owner looking for a reliable banking partner!

July 14, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review!

It’s great to hear that you've had such a great experience with Irha and our Relay support team. Your feedback is important to our team, and thank you for choosing Relay!

Rated 5 out of 5 stars

User Friendly Interface

They have been very helpful and the desktop app is so user friendly. Much better than many others on the market. From Bill Pay to getting your invoice paid all of it is tracked and easy to use. thank you

July 15, 2026
Relay Financial logo

Reply from Relay Financial

Hi Angela,

We appreciate you taking the time to write this. We’re all about bringing cash flow clarity to small businesses, so it's good to hear that you’ve enjoyed your Relay experience. We’ll pass along your feedback to our team.

Rated 5 out of 5 stars

We run a small e-commerce business and…

We run a small e-commerce business and moved our banking to Relay earlier this year. The experience has been outstanding. Sina K. in particular went above and beyond for us -- helped verify a wire transfer, flagged a compliance review to speed things up, and followed up proactively every step of the way. As a small business, it makes all the difference when your banking team actually cares about your success. We're planning to keep growing with Relay for the long haul.

July 15, 2026
Unprompted review
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Reply from Relay Financial

Thank you for the review, Glow.

It’s great to hear that you've had such a great experience with Sina and our Relay support team. Your feedback is important to our team, and thank you for choosing Relay!

Rated 5 out of 5 stars

Good So Far

So far, things look good. I love the offers for such opportunities such as online or physical cards and more tools for managing my business.

July 13, 2026
Relay Financial logo

Reply from Relay Financial

Hi Nicole,

Thank you for taking the time to write this review. We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.

Rated 5 out of 5 stars

Relay makes being a business owner easier.

I have been using Relay for the past year and a half for my private practice/business. I have found their system to be user friendly, the staff is very helpful, and honestly I prefer this bank than my personal bank. Relay makes being a business owner simpler. Thank you.

July 14, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Angeliky,

Thank you for taking the time to write this review. We love to see small businesses win, so we’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.

Rated 5 out of 5 stars

Great customer service!

I had an excellent experience with this agent Lessie. I reached out through chat because I needed to upload a DBA document to update my business account. We had been receiving checks made out to both business names, and I wanted to make sure future deposits wouldn't be returned.

She made the entire process incredibly easy. I simply uploaded the document through the chat, explained my concern about a check we had already deposited a few days earlier, and she assured me she would do everything she could to help make sure there wouldn't be any issues.

What really stood out was her follow-up. I wasn't expecting to hear back after our chat ended, but about an hour later she emailed me to let me know that my document had been reviewed, my account had been updated, and everything was complete. She also confirmed that going forward we would be able to deposit checks under either business name without any problems.

The whole experience was smooth, efficient, and completely hassle-free. Her proactive communication and willingness to follow up made a great impression. I'm very grateful for her excellent customer service and truly appreciate how easy she made the entire process.

July 13, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review!

It’s great to hear that you've had such a great experience with Lessie and our Relay support team. Your feedback is important to our team, and thank you for choosing Relay!

Rated 5 out of 5 stars

Verification Issue

I had a verification issue while signing up for Relay. I contacted support and they were very responsive. Acee and Vince did a great job of getting me access quickly!

July 13, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Michael.

It’s great to hear that you've had a good experience with Relay and our Support team. We appreciate you taking the time to provide feedback.

Rated 5 out of 5 stars

Excelent Customer Service

Relay Bank has outstanding customer service. My physical card was delayed due to a delivery issue, but Irha helped me resolve everything quickly. Irha issued a new card right away and expedited the shipping at no extra cost to make sure I received it quickly. I'm very grateful for the support. I highly recommend Relay Bank to anyone looking for a reliable bank!

July 13, 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Aythami.

It’s great to hear that you've had such a great experience with Irha and our Relay support team. Your feedback is important to our team, and thank you for choosing Relay!

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