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Relay Financial Reviews 

3,509
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. Bank
  2. Accounting Software Company
  3. Financial Institution
  4. Money Transfer Service
  5. Non-Bank Financial Service
  6. 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
4-star
3-star
2-star
1-star

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

(3,509)

861 reviews in the last 12 months

Write a review
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

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.

13 July 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.

14 July 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.

13 July 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!

13 July 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!

13 July 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!

Rated 5 out of 5 stars

Angelica of Support Team

Angelica of Relay Support Team was very professional and helpful. Made an effort when our line dropped. We accomplished what needs to be fixed during the call.

13 July 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 Angelica and our Relay support team. Your feedback is important to our team, and thank you for choosing Relay!

Rated 5 out of 5 stars

Great onboarding and service…

Great onboarding and service experience, as a first time entrepreneur I´m still learning the ropes on financial management and relays makes it very easy, also the number of accounts and cards allow you to tailor the financial operations to your needs, highly recommended.

12 July 2026
Relay Financial logo

Reply from Relay Financial

Hi Martin,

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

Good service

I was served quickly, treated with respect, and helped with setting everything up properly.

12 July 2026
Relay Financial logo

Reply from Relay Financial

Thanks, Carlos, for this review.

We’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.

Rated 5 out of 5 stars

Person I spoke to helped me find the…

Person I spoke to helped me find the solution quickly and easily.

11 July 2026
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Traci.

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

Excellent problem resolution

Excellent problem resolution

10 July 2026
Relay Financial logo

Reply from Relay Financial

Thank you for the review, John.

It means a lot that you've enjoyed banking with Relay. We appreciate the feedback.

Rated 5 out of 5 stars

Organizers Dream Come True!

Relay is quick to respond and has made their portal very easy to navigate. I love that I am able to create an "envelope" system for my business that allocates our business income instantly as it comes into the business so I know at all times what is and is not available to spend.

10 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi Shauna,

Thank you so much for your thoughtful review. At Relay, we’re all about reimagining business banking for small businesses, so we're happy to hear that you've had a positive banking experience with us. Your feedback means a lot to our team.

Rated 5 out of 5 stars

Relay is the greatest

Relay is the greatest

2 July 2026
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Delarry.

It means a lot that you've enjoyed banking with Relay. We appreciate the feedback.

Rated 1 out of 5 stars

Business funds frozen with no clear timeline

Relay froze our business funds for nearly a month with no clear timeline, no meaningful explanation, and no written path to access or recover the funds.

We provided all requested documentation for a compliance review, including invoices, receipts, wire details, vendor invoice, and commercial agreement. Relay later confirmed no further documentation was required from our side, but the funds remain unavailable.

A vendor wire was canceled, and a later ACH attempt was also returned. Relay says the matter is with its banking partners, but our business still has no access to its available balance and no clear resolution date.

This has caused serious disruption to our business operations, clients, and vendor obligations. The issue is not that they requested compliance documents; the issue is holding business funds for weeks without a clear timeline, decision, or recovery path.

10 June 2026
Unprompted review
Rated 5 out of 5 stars

I love Relay!!

The customer service I’ve received from Relay has always been prompt, courteous, knowledgeable and patient. They’ve made sure I understand my options and how they can help as well as following up to make sure things are working out. I love Relay!!

9 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Kitness.

It’s great to hear that you've had a good experience with Relay. Your feedback is important to our team.

Rated 1 out of 5 stars

My Relay Bank account was closed in…

My Relay Bank account was closed in 2024, and I still have not received my remaining funds.
Since the account closure, I have repeatedly contacted customer support. Each time, I was told that a check would be issued, but after waiting for months, I only receive the same response that it will take "a couple of more weeks." This cycle has continued for a very long time without any resolution.

8 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Hi there,

We’re sorry to hear about your experience and thanks for sharing. It’s not the high standard our team works hard to provide Relay users.

We’re glad we could connect with you directly to address those challenges. If you have any questions or feedback in future, don’t hesitate to get in touch with our Customer Experience team for support at: support@relayfi.com

Rated 5 out of 5 stars

Customer service

The assistant takes the time for explain all regarding my issues and find a solution

8 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thanks, Juan, for this review.

We’re happy to hear you’ve enjoyed banking with Relay. It means a lot to the team.

Rated 5 out of 5 stars

Solved my login problem quickly

Ron C was very efficient and helpful to help provide access when I was unable to login. It was great to talk with a real person and get the problem solved quickly!

7 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review!

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

Charles Angel helped with all my needs…

Charles Angel helped with all my needs and was fast. She helped with a technical issue I had, she forwarded it to the appropriate team. My issue was resolved in less than 24 hours and my application was approved.

8 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Mitch.

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

Rated 5 out of 5 stars

Excellent customer service

Excellent customer service. Fast and efficient!

7 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Simon.

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

Elmer was helpful!

8 July 2026
Unprompted review
Relay Financial logo

Reply from Relay Financial

Thank you for the review, Michelle.

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.

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