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Relay Financial Reviews 

3,650
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Evaluating 886 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that setting up accounts is fast and straightforward, while the friendly support staff provides exceptional guidance throughout the entire onboarding process. Consumers truly appreciate the overall simplicity of the system and how effortlessly they can manage multiple business finances without unnecessary complications. However, some people mentioned that reaching customer support by phone was extremely difficult and response times were often too slow. Some reviewers were not happy with unexpected business account freezes and experienced frustrating delays regarding document verification and compliance checks.

What people talk about most

Customer service

Reviewers mention positive feedback about customer service, highlighting responsive and helpful agents who... See more

Staff

Customers had positive experiences with staff, highlighting helpful and professional support during... See more

Service

People report ambiguous experiences with service, reflecting a wide range of differing opinions. While many... See more

User experience

Reviewers highlight positive aspects of user experience, noting that the platform layout is clean, modern,... See more

Response time

Customers consistently note ambiguous experiences with response time. While some reviewers praise staff for... See more

Reviews shaping this summary

Rated 4 out of 5 stars

The service is fast and efficient. Support responses are generally quick and effective at resolving issues. The website and app are clear and easy to use.

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

Rated 5 out of 5 stars

Heard about Relay from the internet. I have a New business startup so didn't know what to expect. Was extremely happy with the simplicity of the system. My only gripe is that I wish they had a POS sys... See more

Company replied

Rated 5 out of 5 stars

My account was easy to set up. Adding money to my account was hassle free and their live training video call was an added bonus that helped me understand all the options available as my business grows... 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

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Asks customers to review

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

Replied to 80% of negative reviews

Typically replies within 2 weeks

How this company uses Trustpilot

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

4.3

All reviews

(3,650)

886 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

Starting a new business comes with a…

Starting a new business comes with a lot of unknowns, so I honestly wasn’t sure what to expect from business banking. Relay has made the whole experience surprisingly simple.

The platform is easy to use, everything feels clear and straightforward, and whenever I’ve needed help, customer service has been quick, professional, and genuinely helpful.

So far, I’m very happy with my choice and would definitely recommend Relay to other new business owners.

3 September 2026
Unprompted review
Rated 1 out of 5 stars

ZERO stars

ZERO stars. I was excited to use relay and do the profit first method. Literally the day after opening my account and transferring money from my business software they decided to close my account and do a compliance review which is holding my money for up to 60 days. Over $18,000 they’re “holding.” If you own a legitimate business, bank elsewhere

5 September 2026
Unprompted review
Rated 5 out of 5 stars

I Love this bank

I Love this bank. I have used it for our non-profit and have introduced it to my children to start their business. It connects with Stripe easily and It allows you to have different local organizations as a part of your banking solutions via non-profit.

4 September 2026
Unprompted review
Rated 5 out of 5 stars

I love this bank

I love this bank, they are fast to process payments. the customer service is understanding and I can have different accounts but view them from one platform. This make budgeting and accounting so much easier put with the virtual cards and the ease of the creating a card right on the website it is a no brainer.

2 September 2026
Rated 5 out of 5 stars

I am tickled green about Relay and…

I am tickled green about Relay and everything it offers! It's the kind of banking I didn't even realize I needed.

I'm especially excited about the ability to create multiple “sub” accounts to organize and manage cash flow with intention. As a small business owner, being able to separate money for taxes, payroll, operating expenses, profit, and other priorities as the money comes in is a game changer.

It feels like an answered prayer. Instead of getting bogged down in spreadsheets—or doing mental math on the go and hoping the numbers add up—I can create a system that helps me see where my money is going and what's actually available to spend and invest.

3 September 2026
Unprompted review
Rated 5 out of 5 stars

Can't wait to fund my accounts!

I have been able to connect with real humans during and after onboarding which is a huge plus. The profit first books compliments the bank site nicely too. My business acquisition will happen in a couple weeks and I am excited to get smarter than my last business ownership experience :) Love webinar options

3 September 2026
Unprompted review
Rated 5 out of 5 stars

Competitive Features

Took a demo with them and it was very informative. Relay is competitive in nature and worth considering for small businesses. All my questions were answered including foreign transaction fees for incoming wire transfers in different currencies. A bit of bummer that physical cards are not sent out to teammembers based out of the US - but hopefully that comes in the future - meanwhile one could use virtual cards.

4 September 2026
Unprompted review
Rated 5 out of 5 stars

Excellent customer service and support!

I had an incredible experience with Relay's customer care. The support team was extremely patient, professional, and helpful throughout the entire process. They provided amazing guidance and a very quick resolution to my issue. I highly recommend Relay for their outstanding support!

3 September 2026
Rated 5 out of 5 stars

The customer service is top notch

The customer service is top notch. My representative was polite and quickly worked to resolve the issue with my locked account. He also seemed positive and invested in his job. I appreciated the prompt resolution of my problem.

1 September 2026
Rated 5 out of 5 stars

Great experience

Great experience. They provide a very personal level of customer service that is unmatched in my opinion.

1 September 2026
Unprompted review
Rated 5 out of 5 stars

Relay's Supportive Team

The support team at Relay was wonderful about responding to our requests for assistance by answering our questions, clarifying the processes we needed to follow, and walking us through the procedures. Thanks to patient team members, we were able to achieve our goals in a timely manner!

2 September 2026
Unprompted review
Rated 1 out of 5 stars

HORRIFIC

HORRIFIC. Frozen account with zero responses. Their CEO can write as many articles as he wants, this is simply not an acceptable way to do business. DO NOT bank with these guys for any reason

25 August 2026
Unprompted review
Rated 5 out of 5 stars

RE: Greg - Senior Customer Experience Specialist

RE: Greg - Senior Customer Experience Specialist. After wasting hours with another representative who provided no help, only frustration, Greg came to the rescue to restore the Relay credibility I have known for the years I am a client. His immediate statement as to we'll get this resolved immediately put me back on track with Relay and my respect for them as my banking partner. After such an experience, as I said on the call, Greg deserves to receive full accolades from the company and his direct supervisory chain of command. I thank him for his diligence, caring and follow up.

1 September 2026
Unprompted review
Rated 1 out of 5 stars

Relay is a clown show 🤡

Relay is terrible. Don’t trust them with your money, they kept telling me they were going to freeze my accounts if I didn’t update my business information. After doing so multiple times they sent me an email telling me they had frozen my accounts and then later sent a second email saying that the first email was sent an error. These guys are clowns.🤡

1 September 2026
Unprompted review

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