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Always consult a qualified professional before acting on any information provided.",[1105,1107],{"_key":1091,"_type":161,"externalUrl":1106,"linkType":163},"\u002Ftnc\u002Fterms-of-service",{"_key":1099,"_type":161,"externalUrl":1108,"linkType":163},"\u002Fpricing",{"body":1110,"eyebrow":1111,"heading":1112,"image":1113,"link":1118},"Find out how Aspire can help you speed up your end-to-end finance processes from payments to expense management.","Aspire Launchpad","Supercharge your finance operations with Aspire",{"_type":839,"alternativeText":1114,"height":1115,"url":1116,"width":1117},"A person writing in a notebook with a laptop open on their lap",1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":494,"externalUrl":1078,"label":1119,"linkType":163},"Talk to sales",[1121,1132,1142,1150],{"_id":1122,"category":1123,"coverImage":1124,"description":1129,"publishedAt":1130,"slug":1131,"title":1125},"blogPost-US-6aa81a483e59c62453c01185",{"slug":499,"title":500},{"_type":839,"alternativeText":1125,"height":1126,"url":1127,"width":1128},"Live Oak business checking account: features, fees & alternatives",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F2e3bbd20decf4974b8b8b686735f8a80\u002Fbendigo-business-account-review_social.jpeg",1200,"Live Oak Bank business checking review: features, fees, account types, and how it compares to Mercury, Brex, and traditional banks for small businesses.","2026-09-15T08:57:46.000Z","live-oak-business-checking-review",{"_id":1133,"category":1134,"coverImage":1137,"description":1140,"publishedAt":1130,"slug":1141,"title":1138},"blogPost-US-6aa81a59e4f3608f5cec03b8",{"slug":1135,"title":1136},"business-advice","Business Advice",{"_type":839,"alternativeText":1138,"height":1126,"url":1139,"width":1128},"Employer of Record (EOR): what it is, how it works, and when to use one","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F6147e455bb5e4c6ffda7d53c3569254e\u002Fbest-free-business-checking-accounts_cover.jpeg","An Employer of Record (EOR) lets you hire and pay talent abroad without a local entity. Learn how an EOR works, EOR vs PEO, and when to use one.","employer-of-record-explained",{"_id":1143,"category":1144,"coverImage":1145,"description":1148,"publishedAt":1130,"slug":1149,"title":1146},"blogPost-US-6aa81a68c2c53cbc3bb042b8",{"slug":1135,"title":1136},{"_type":839,"alternativeText":1146,"height":1126,"url":1147,"width":1128},"7 best Relay alternatives for US businesses in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F45a3793a2077cf974d93432a942211d6\u002Fbest-airwallex-alternatives-businesses-australia_cover.jpeg","Searching for a Relay alternative? Compare Aspire, Bluevine, and Mercury on interest rates, lending, cash deposits, and international payments.","best-relay-alternatives-business",{"_id":1151,"category":1152,"coverImage":1153,"description":1155,"publishedAt":1130,"slug":1156,"title":1154},"blogPost-US-6aa81a758628de3e92b2045b",{"slug":499,"title":500},{"_type":839,"alternativeText":1154,"height":1126,"url":1127,"width":1128},"Capital One business checking account review: Fees and requirements","Compare Capital One's Basic, Enhanced and Premier business checking accounts, including monthly fees, cash deposits and account-opening requirements.","capital-one-business",{"data":1158,"sourceMap":-1},{"_id":1143,"_updatedAt":1159,"alternates":1160,"areSourcesShown":602,"author":1162,"body":1171,"category":2659,"coverImage":2660,"excerpt":2661,"faq":369,"intro":2698,"isFaqShown":369,"isSummaryShown":602,"isVideoShown":369,"publishedAt":1130,"reviewer":369,"seo":2711,"slug":1149,"sources":2713,"title":1146,"video":369},"2026-09-24T08:44:10Z",[1161],{"canonicalUrl":369,"isNoIndex":369,"language":369,"market":67,"pathPrefix":369},{"avatar":1163,"bio":1167,"doesServePage":602,"linkedinUrl":1168,"name":1164,"role":1169,"slug":1170,"twitterUrl":369},{"_type":839,"alternativeText":1164,"height":1165,"url":1166,"width":1165},"Bintang Lestada",400,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fa6164cd637e0a8e94f3e668ed9c1662f\u002F6a338b8dcdce1a7be82c0d58_bintang-lestada.webp","Bintang is a seasoned writer specialising in fintech, agtech, politics, and pop culture. With a writing history at VICE ASIA, Letterboxd, Whiteboard Journal and other reputable organisations, Bintang leverages their broad range of experiences to resources that educate audiences, build trust, and support business growth.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fbintanglestada\u002F","Writer","bintang-lestada",[1172,1181,1200,1208,1216,1224,1232,1240,1516,1524,1543,1551,1559,1566,1574,1582,1598,1626,1642,1661,1669,1678,1696,1704,1720,1728,1736,1752,1760,1768,1782,1794,1801,1809,1817,1825,1833,1840,1848,1856,1864,1872,1886,1897,1904,1912,1920,1928,1936,1943,1951,1959,1967,1975,1989,2000,2007,2015,2023,2031,2038,2046,2054,2062,2070,2084,2095,2102,2110,2118,2125,2133,2141,2149,2157,2170,2181,2188,2196,2204,2212,2219,2227,2235,2243,2256,2267,2274,2282,2290,2298,2305,2313,2321,2329,2348,2356,2364,2372,2380,2388,2396,2410,2418,2426,2434,2442,2450,2458,2466,2487,2494,2502,2510,2518,2537,2545,2571,2579,2587,2595,2603,2611,2619,2627,2635,2643,2651],{"_key":1173,"_type":143,"children":1174,"markDefs":1179,"style":1180},"k3",[1175],{"_key":1176,"_type":147,"marks":1177,"text":1178},"k2",[],"Why businesses need a Relay alternative",[],"h2",{"_key":1182,"_type":143,"children":1183,"markDefs":1197,"style":164},"k12",[1184,1188,1193],{"_key":1185,"_type":147,"marks":1186,"text":1187},"k9",[],"Relay's real gaps show up as you scale, not on day one. Checking balances earn 0%. Interest only shows up once you shift money into a ",{"_key":1189,"_type":147,"marks":1190,"text":1192},"k10",[1191],"k5","separate savings account",{"_key":1194,"_type":147,"marks":1195,"text":1196},"k11",[],", and even then, it tops out around 1.11% to 3.00% APY depending on your plan: 1.11% on Starter, 1.75% on Grow, 3.00% on Scale.",[1198],{"_key":1191,"_type":161,"externalUrl":1199,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fblog\u002Fhigh-yield-business-savings-account",{"_key":1201,"_type":143,"children":1202,"markDefs":1207,"style":164},"k16",[1203],{"_key":1204,"_type":147,"marks":1205,"text":1206},"k15",[],"Bill payment automation isn't included on the free Starter plan. It's a Scale exclusive feature, on the Scale plan, priced at USD $90\u002Fmonth as a limited-time discount off its regular USD $120\u002Fmonth rate. Same day ACH, by contrast, is available on all three plans, with fees that come down as you move up in tier. The Scale plan includes 10 free same day ACH transfers a month, then USD $1 each after that.",[],{"_key":1209,"_type":143,"children":1210,"markDefs":1215,"style":164},"k20",[1211],{"_key":1212,"_type":147,"marks":1213,"text":1214},"k19",[],"International wires follow the same pattern: receiving is free on every plan, but sending costs money everywhere. Local network wires run USD $1.50–$5 depending on the network, SWIFT wires run USD $20–$25, and currency exchange adds roughly 1% on top. Relay is primarily digital, but it isn't cash blind. It supports cash deposits for free at Allpoint+ ATMs, or through the Green Dot Network at over 90,000 participating retailers, for a fee up to USD $4.95.",[],{"_key":1217,"_type":143,"children":1218,"markDefs":1223,"style":164},"k24",[1219],{"_key":1220,"_type":147,"marks":1221,"text":1222},"k23",[],"None of this makes Relay a bad product. It makes it a product built for one job: organizing USD cash across accounts. Increasingly, that's not the whole job as your business grows past it.",[],{"_key":1225,"_type":143,"children":1226,"markDefs":1231,"style":1180},"k28",[1227],{"_key":1228,"_type":147,"marks":1229,"text":1230},"k27",[],"Which Relay alternative fits your business",[],{"_key":1233,"_type":143,"children":1234,"markDefs":1239,"style":164},"k32",[1235],{"_key":1236,"_type":147,"marks":1237,"text":1238},"k31",[],"The fastest way to identify the most suitable alternative is to start with what your business actually needs and not what every platform offers.",[],{"_key":1241,"_type":1242,"columnHeaders":1243,"hasColumnTitles":602,"hasRowTitles":119,"rows":1257},"k33","richTableBlock",[1244,1249,1253],{"_key":1245,"_type":1246,"cellIndex":1247,"title":1248},"k34","columnHeader",0,"If your business is…",{"_key":1250,"_type":1246,"cellIndex":1251,"title":1252},"k35",1,"Consider",{"_key":1254,"_type":1246,"cellIndex":1255,"title":1256},"k36",2,"Why",[1258,1296,1332,1368,1404,1440,1476],{"_key":1259,"_type":1260,"cells":1261},"k37","row",[1262,1274,1285],{"_key":1263,"_type":1264,"content":1265},"k38","richTableCell",[1266],{"_key":1267,"_type":143,"children":1268,"markDefs":1273,"style":164},"k110",[1269],{"_key":1270,"_type":147,"marks":1271,"text":1272},"k109",[],"Solo freelancer or solopreneur who wants free, simple checking",[],{"_key":1275,"_type":1264,"content":1276},"k41",[1277],{"_key":1278,"_type":143,"children":1279,"markDefs":1284,"style":164},"k113",[1280],{"_key":1281,"_type":147,"marks":1282,"text":1283},"k112",[],"Novo",[],{"_key":1286,"_type":1264,"content":1287},"k44",[1288],{"_key":1289,"_type":143,"children":1290,"markDefs":1295,"style":164},"k116",[1291],{"_key":1292,"_type":147,"marks":1293,"text":1294},"k115",[],"No monthly fee, no account complexity to manage, checking and a debit card, nothing you have to configure",[],{"_key":1297,"_type":1260,"cells":1298},"k47",[1299,1310,1321],{"_key":1300,"_type":1264,"content":1301},"k48",[1302],{"_key":1303,"_type":143,"children":1304,"markDefs":1309,"style":164},"k119",[1305],{"_key":1306,"_type":147,"marks":1307,"text":1308},"k118",[],"Landlord or real estate investor managing multiple properties",[],{"_key":1311,"_type":1264,"content":1312},"k51",[1313],{"_key":1314,"_type":143,"children":1315,"markDefs":1320,"style":164},"k122",[1316],{"_key":1317,"_type":147,"marks":1318,"text":1319},"k121",[],"Baselane",[],{"_key":1322,"_type":1264,"content":1323},"k54",[1324],{"_key":1325,"_type":143,"children":1326,"markDefs":1331,"style":164},"k125",[1327],{"_key":1328,"_type":147,"marks":1329,"text":1330},"k124",[],"Runs on the same partner bank as Relay, but adds rent collection, tenant screening, and property-level bookkeeping Relay was never built for",[],{"_key":1333,"_type":1260,"cells":1334},"k57",[1335,1346,1357],{"_key":1336,"_type":1264,"content":1337},"k58",[1338],{"_key":1339,"_type":143,"children":1340,"markDefs":1345,"style":164},"k128",[1341],{"_key":1342,"_type":147,"marks":1343,"text":1344},"k127",[],"Tech startup that needs free international wires and API access",[],{"_key":1347,"_type":1264,"content":1348},"k61",[1349],{"_key":1350,"_type":143,"children":1351,"markDefs":1356,"style":164},"k131",[1352],{"_key":1353,"_type":147,"marks":1354,"text":1355},"k130",[],"Mercury",[],{"_key":1358,"_type":1264,"content":1359},"k64",[1360],{"_key":1361,"_type":143,"children":1362,"markDefs":1367,"style":164},"k134",[1363],{"_key":1364,"_type":147,"marks":1365,"text":1366},"k133",[],"Free USD wires in both directions, plus a full API, which Relay has neither",[],{"_key":1369,"_type":1260,"cells":1370},"k67",[1371,1382,1393],{"_key":1372,"_type":1264,"content":1373},"k68",[1374],{"_key":1375,"_type":143,"children":1376,"markDefs":1381,"style":164},"k137",[1377],{"_key":1378,"_type":147,"marks":1379,"text":1380},"k136",[],"Business holding a large operating balance that should be earning interest",[],{"_key":1383,"_type":1264,"content":1384},"k71",[1385],{"_key":1386,"_type":143,"children":1387,"markDefs":1392,"style":164},"k140",[1388],{"_key":1389,"_type":147,"marks":1390,"text":1391},"k139",[],"Bluevine",[],{"_key":1394,"_type":1264,"content":1395},"k74",[1396],{"_key":1397,"_type":143,"children":1398,"markDefs":1403,"style":164},"k143",[1399],{"_key":1400,"_type":147,"marks":1401,"text":1402},"k142",[],"APY applies to checking itself, not a separate savings account, so money grows without you having to move it first",[],{"_key":1405,"_type":1260,"cells":1406},"k77",[1407,1418,1429],{"_key":1408,"_type":1264,"content":1409},"k78",[1410],{"_key":1411,"_type":143,"children":1412,"markDefs":1417,"style":164},"k146",[1413],{"_key":1414,"_type":147,"marks":1415,"text":1416},"k145",[],"Self-employed owner who wants tax prep and bookkeeping built in",[],{"_key":1419,"_type":1264,"content":1420},"k81",[1421],{"_key":1422,"_type":143,"children":1423,"markDefs":1428,"style":164},"k149",[1424],{"_key":1425,"_type":147,"marks":1426,"text":1427},"k148",[],"Found or Lili",[],{"_key":1430,"_type":1264,"content":1431},"k84",[1432],{"_key":1433,"_type":143,"children":1434,"markDefs":1439,"style":164},"k152",[1435],{"_key":1436,"_type":147,"marks":1437,"text":1438},"k151",[],"Both fold tax estimates and categorization into the account itself, so you're not paying for a separate bookkeeping tool",[],{"_key":1441,"_type":1260,"cells":1442},"k87",[1443,1454,1465],{"_key":1444,"_type":1264,"content":1445},"k88",[1446],{"_key":1447,"_type":143,"children":1448,"markDefs":1453,"style":164},"k155",[1449],{"_key":1450,"_type":147,"marks":1451,"text":1452},"k154",[],"Growing team that wants to keep Relay's multi-account budgeting style at larger scale",[],{"_key":1455,"_type":1264,"content":1456},"k91",[1457],{"_key":1458,"_type":143,"children":1459,"markDefs":1464,"style":164},"k158",[1460],{"_key":1461,"_type":147,"marks":1462,"text":1463},"k157",[],"Bluevine or Baselane",[],{"_key":1466,"_type":1264,"content":1467},"k94",[1468],{"_key":1469,"_type":143,"children":1470,"markDefs":1475,"style":164},"k161",[1471],{"_key":1472,"_type":147,"marks":1473,"text":1474},"k160",[],"Bluevine allows up to 50 sub-accounts depending on the plan, and Baselane allows unlimited property-specific sub-accounts",[],{"_key":1477,"_type":1260,"cells":1478},"k97",[1479,1490,1505],{"_key":1480,"_type":1264,"content":1481},"k98",[1482],{"_key":1483,"_type":143,"children":1484,"markDefs":1489,"style":164},"k164",[1485],{"_key":1486,"_type":147,"marks":1487,"text":1488},"k163",[],"Paying vendors, contractors, or teams in more than one currency",[],{"_key":1491,"_type":1264,"content":1492},"k101",[1493],{"_key":1494,"_type":143,"children":1495,"markDefs":1504,"style":164},"k169",[1496,1499],{"_key":1497,"_type":147,"marks":1498,"text":480},"k167",[],{"_key":1500,"_type":147,"marks":1501,"text":1503},"k168",[1502],"sup","1",[],{"_key":1506,"_type":1264,"content":1507},"k105",[1508],{"_key":1509,"_type":143,"children":1510,"markDefs":1515,"style":164},"k172",[1511],{"_key":1512,"_type":147,"marks":1513,"text":1514},"k171",[],"Holds accounts across 98+ currencies* under one login, while Relay is USD-only",[],{"_key":1517,"_type":143,"children":1518,"markDefs":1523,"style":164},"k176",[1519],{"_key":1520,"_type":147,"marks":1521,"text":1522},"k175",[],"If more than one row applies to you, say you're a growing team that also pays international contractors, that's usually a sign you need two things Relay alone can't do at once, not one platform that does everything. Most founders in that spot keep Relay, or a Relay style platform, for domestic budgeting and layer a second platform on top for the piece that's missing, rather than hunting for a single account that does it all.",[],{"_key":1525,"_type":143,"children":1526,"markDefs":1540,"style":164},"k185",[1527,1531,1536],{"_key":1528,"_type":147,"marks":1529,"text":1530},"k182",[],"If your business is the last row on that list, Relay's single-currency USD account means every international payment goes out through a wire, charging USD $1.50–$25 depending on the route, plus roughly 1% in currency exchange. A finance platform built for global operations, like Aspire¹, holds ",{"_key":1532,"_type":147,"marks":1533,"text":1535},"k183",[1534],"k178","accounts across 98+ currencies",{"_key":1537,"_type":147,"marks":1538,"text":1539},"k184",[],"* under one login, so paying a contractor in Manila or a supplier in Frankfurt is a transfer between accounts you already have, not a cross-border wire.",[1541],{"_key":1534,"_type":161,"externalUrl":1542,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fbusiness-account",{"_key":1544,"_type":143,"children":1545,"markDefs":1550,"style":1180},"k189",[1546],{"_key":1547,"_type":147,"marks":1548,"text":1549},"k188",[],"Relay alternatives: At a glance",[],{"_key":1552,"_type":143,"children":1553,"markDefs":1558,"style":164},"k193",[1554],{"_key":1555,"_type":147,"marks":1556,"text":1557},"k192",[],"Below, we break down how Relay stacks up against 7 alternatives across monthly fees, checking APY, FDIC coverage, lending options, cash deposits, and international wires.",[],{"_key":1560,"_type":1561,"html":1562},"k194","htmlEmbed",{"_type":1563,"code":1564,"language":1565},"code","\u003Ctable class=\"code-table\">\u003Cthead>\u003Ctr>\u003Cth>\u003Cstrong>Platform\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Relay\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Aspire\u003C\u002Fstrong>\u003Csup>\u003Cstrong>1\u003C\u002Fstrong>\u003C\u002Fsup>\u003C\u002Fth>\u003Cth>\u003Cstrong>Bluevine\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Mercury\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Baselane\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Found\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Lili\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Novo\u003C\u002Fstrong>\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>Monthly fee\u003C\u002Ftd>\u003Ctd>USD $0–$90 across Starter, Grow, and Scale\u003C\u002Ftd>\u003Ctd>Free\u003C\u002Ftd>\u003Ctd>Free, USD $30, or USD $95 by tier; the fees waive only when a minimum average daily balance and a minimum monthly card spend are both met\u003C\u002Ftd>\u003Ctd>Free; paid plans from USD $35–$350, with custom pricing for larger operations\u003C\u002Ftd>\u003Ctd>USD $0–$20\u003C\u002Ftd>\u003Ctd>USD $0–USD $80\u003C\u002Ftd>\u003Ctd>USD $0–$55\u003C\u002Ftd>\u003Ctd>Free\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Checking APY\u003C\u002Ftd>\u003Ctd>0% checking; savings up to 3.00% depending on plan\u003C\u002Ftd>\u003Ctd>0%\u003C\u002Ftd>\u003Ctd>1.3%–3.0%, depending on plan and balance\u003C\u002Ftd>\u003Ctd>0%\u003C\u002Ftd>\u003Ctd>N\u002FA (checking)\u003C\u002Ftd>\u003Ctd>1.5%–2.5%, depending on plan and balance\u003C\u002Ftd>\u003Ctd>0% (savings 2.25% up to USD $500,000, 4.0% on the USD $500,000–$1,000,000 portion)\u003C\u002Ftd>\u003Ctd>0%\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>FDIC coverage\u003C\u002Ftd>\u003Ctd>Up to USD $3,000,000\u003C\u002Ftd>\u003Ctd>Up to USD $100,000,000\u003Csup>1\u003C\u002Fsup>\u003C\u002Ftd>\u003Ctd>Up to USD $3,000,000\u003C\u002Ftd>\u003Ctd>Up to USD $5,000,000\u003C\u002Ftd>\u003Ctd>Up to USD $3,000,000\u003C\u002Ftd>\u003Ctd>Up to USD $250,000\u003C\u002Ftd>\u003Ctd>Up to USD $3,000,000\u003C\u002Ftd>\u003Ctd>Up to USD $250,000\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Lending\u003C\u002Ftd>\u003Ctd>Relay Capital, a term loan via partner Fundbox with a single draw and fixed repayment, plus the Relay Visa Credit Card, a charge card with a 30-day billing cycle\u003C\u002Ftd>\u003Ctd>None\u003C\u002Ftd>\u003Ctd>Line of credit up to USD $250,000 plus term\u002FSBA loans via partners\u003C\u002Ftd>\u003Ctd>Venture debt via Mercury Raise, not open to all; Working capital loans, venture debt, and SAFEs\u003C\u002Ftd>\u003Ctd>Investment-property line of credit via partner Lendflow\u003C\u002Ftd>\u003Ctd>None\u003C\u002Ftd>\u003Ctd>Loans\u002Flines of credit via partners like Fundbox, Lendio\u003C\u002Ftd>\u003Ctd>Novo Funding and a Novo Business Credit Card, both separate opt-in products; Novo Boost is an early-payout feature for Stripe transactions, not a loan\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Cash deposits\u003C\u002Ftd>\u003Ctd>Free at Allpoint+ ATMs for free and 90,000+ Green Dot retail up to USD $4.95 fee\u003C\u002Ftd>\u003Ctd>No\u003C\u002Ftd>\u003Ctd>Green Dot network, USD $4.95 per deposit fee\u003C\u002Ftd>\u003Ctd>No\u003C\u002Ftd>\u003Ctd>Only to checking accounts, up to USD $2000\u002Fday\u003C\u002Ftd>\u003Ctd>Cash deposits at 79,000+ retail locations nationwide\u003C\u002Ftd>\u003Ctd>Yes, via Green Dot network, fees\u002Flimits apply\u003C\u002Ftd>\u003Ctd>Not accepted directly, can buy a money order (USPS, grocery stores, etc.) and deposit via mobile check deposit\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Intl wires\u003C\u002Ftd>\u003Ctd>USD $1.50–$25 by network\u002Fplan\u003C\u002Ftd>\u003Ctd>Free SWIFT receive, USD $5 (SHA) and USD $15 (OUR) send\u003C\u002Ftd>\u003Ctd>USD $25 to send in USD, up to USD $15 to receive; 1.25% fee if sent in foreign currencies\u003C\u002Ftd>\u003Ctd>Free send\u002Freceive USD; 1% FX fee on non-USD\u003C\u002Ftd>\u003Ctd>Not supported\u003C\u002Ftd>\u003Ctd>Not supported\u003C\u002Ftd>\u003Ctd>Only available to legal entities, fees apply\u003C\u002Ftd>\u003Ctd>Via Wise, fees vary by destination\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>","html",{"_key":1567,"_type":143,"children":1568,"markDefs":1573,"style":1180},"k198",[1569],{"_key":1570,"_type":147,"marks":1571,"text":1572},"k197",[],"Comparing 7 Relay alternatives",[],{"_key":1575,"_type":143,"children":1576,"markDefs":1581,"style":164},"k202",[1577],{"_key":1578,"_type":147,"marks":1579,"text":1580},"k201",[],"Each platform closes a different gap Relay leaves open:",[],{"_key":1583,"_type":143,"children":1584,"markDefs":1596,"style":1597},"k210",[1585,1589,1592],{"_key":1586,"_type":147,"marks":1587,"text":1588},"k207",[],"1. Aspire",{"_key":1590,"_type":147,"marks":1591,"text":1503},"k208",[1502],{"_key":1593,"_type":147,"marks":1594,"text":1595},"k209",[]," vs Relay",[],"h3",{"_key":1599,"_type":143,"children":1600,"markDefs":1625,"style":164},"k226",[1601,1604,1607,1611,1614,1618,1621],{"_key":1602,"_type":147,"marks":1603,"text":480},"k219",[],{"_key":1605,"_type":147,"marks":1606,"text":1503},"k220",[1502],{"_key":1608,"_type":147,"marks":1609,"text":1610},"k221",[]," is a free finance platform for founders who move money across borders. It backs that access with the highest FDIC coverage on this list by a wide margin. Aspire",{"_key":1612,"_type":147,"marks":1613,"text":1503},"k222",[1502],{"_key":1615,"_type":147,"marks":1616,"text":1617},"k223",[]," also solves a different problem than the other 6 names on this list. Where Relay is single currency and US only, Aspire",{"_key":1619,"_type":147,"marks":1620,"text":1503},"k224",[1502],{"_key":1622,"_type":147,"marks":1623,"text":1624},"k225",[]," is built for founders whose money already crosses borders*, with foreign currency account capabilities and payments in 98+ currencies, including USD, EUR, GBP, HKD, and CNY*, at no extra cost.",[],{"_key":1627,"_type":143,"children":1628,"markDefs":1639,"style":164},"k233",[1629,1634],{"_key":1630,"_type":147,"marks":1631,"text":1633},"k231",[1632],"strong","Trustpilot rating: ",{"_key":1635,"_type":147,"marks":1636,"text":1638},"k232",[1637],"k228","4\u002F5",[1640],{"_key":1637,"_type":161,"externalUrl":1641,"linkType":163},"https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Faspireapp.com",{"_key":1643,"_type":143,"children":1644,"markDefs":1660,"style":164},"k243",[1645,1649,1653,1656],{"_key":1646,"_type":147,"marks":1647,"text":1648},"k239",[1632],"Best for: ",{"_key":1650,"_type":147,"marks":1651,"text":1652},"k240",[],"Founders who prioritize deposit safety",{"_key":1654,"_type":147,"marks":1655,"text":1503},"k241",[1502],{"_key":1657,"_type":147,"marks":1658,"text":1659},"k242",[]," and cross-border payments* over lending or yield.",[],{"_key":1662,"_type":143,"children":1663,"markDefs":1668,"style":164},"k247",[1664],{"_key":1665,"_type":147,"marks":1666,"text":1667},"k246",[1632],"Key strengths:",[],{"_key":1670,"_type":143,"children":1671,"level":1251,"listItem":1676,"markDefs":1677,"style":164},"k251",[1672],{"_key":1673,"_type":147,"marks":1674,"text":1675},"k250",[],"Holds accounts across 98+ currencies* under one login, something Relay doesn't do at all, since Relay is USD only","bullet",[],{"_key":1679,"_type":143,"children":1680,"level":1251,"listItem":1676,"markDefs":1693,"style":164},"k260",[1681,1686,1689],{"_key":1682,"_type":147,"marks":1683,"text":1685},"k257",[1684],"k252","FDIC coverage through Column N.A. of up to USD $100,000,000",{"_key":1687,"_type":147,"marks":1688,"text":1503},"k258",[1502],{"_key":1690,"_type":147,"marks":1691,"text":1692},"k259",[],", well above Relay's USD $3,000,000",[1694],{"_key":1684,"_type":161,"externalUrl":1695,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fpricing",{"_key":1697,"_type":143,"children":1698,"level":1251,"listItem":1676,"markDefs":1703,"style":164},"k264",[1699],{"_key":1700,"_type":147,"marks":1701,"text":1702},"k263",[],"Includes free ACH and check transfers within the US. Wires run on the ABA\u002FFedwire network. SWIFT receiving is free, and a USD-to-USD SWIFT send costs USD $5 if picking SHA SWIFT type and USD $15 for OUR SWIFT type transfers.",[],{"_key":1705,"_type":143,"children":1706,"level":1251,"listItem":1676,"markDefs":1719,"style":164},"k272",[1707,1711,1715],{"_key":1708,"_type":147,"marks":1709,"text":1710},"k269",[],"Flat 1.5% uncapped cashback",{"_key":1712,"_type":147,"marks":1713,"text":1714},"k270",[1502],"^",{"_key":1716,"_type":147,"marks":1717,"text":1718},"k271",[]," on its free plan, which matches Relay's top cashback rate without needing Relay's USD $90\u002Fmonth Scale plan",[],{"_key":1721,"_type":143,"children":1722,"markDefs":1727,"style":164},"k276",[1723],{"_key":1724,"_type":147,"marks":1725,"text":1726},"k275",[1632],"Limitations:",[],{"_key":1729,"_type":143,"children":1730,"level":1251,"listItem":1676,"markDefs":1735,"style":164},"k280",[1731],{"_key":1732,"_type":147,"marks":1733,"text":1734},"k279",[],"No multi-account budgeting structure comparable to Relay's checking-account split",[],{"_key":1737,"_type":143,"children":1738,"level":1251,"listItem":1676,"markDefs":1751,"style":164},"k288",[1739,1743,1747],{"_key":1740,"_type":147,"marks":1741,"text":1742},"k285",[],"No lending product, and its card is a charge card",{"_key":1744,"_type":147,"marks":1745,"text":1746},"k286",[1502],"2",{"_key":1748,"_type":147,"marks":1749,"text":1750},"k287",[]," with the balance due in full daily, less flexible than Relay's 30-day billing cycle",[],{"_key":1753,"_type":143,"children":1754,"markDefs":1759,"style":1597},"k292",[1755],{"_key":1756,"_type":147,"marks":1757,"text":1758},"k291",[],"2. Bluevine vs Relay",[],{"_key":1761,"_type":143,"children":1762,"markDefs":1767,"style":164},"k296",[1763],{"_key":1764,"_type":147,"marks":1765,"text":1766},"k295",[],"Bluevine flips Relay's core weakness. It's the one platform on this list built specifically to make idle cash actually earn something.",[],{"_key":1769,"_type":143,"children":1770,"markDefs":1779,"style":164},"k303",[1771,1774],{"_key":1772,"_type":147,"marks":1773,"text":1633},"k301",[1632],{"_key":1775,"_type":147,"marks":1776,"text":1778},"k302",[1777],"k298","4.7\u002F5",[1780],{"_key":1777,"_type":161,"externalUrl":1781,"linkType":163},"https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Fbluevine.com",{"_key":1783,"_type":143,"children":1784,"markDefs":1793,"style":164},"k309",[1785,1789],{"_key":1786,"_type":147,"marks":1787,"text":1788},"k307",[1632],"Best for:",{"_key":1790,"_type":147,"marks":1791,"text":1792},"k308",[]," Businesses holding a large operating balance that should be earning interest.",[],{"_key":1795,"_type":143,"children":1796,"markDefs":1800,"style":164},"k313",[1797],{"_key":1798,"_type":147,"marks":1799,"text":1667},"k312",[1632],[],{"_key":1802,"_type":143,"children":1803,"level":1251,"listItem":1676,"markDefs":1808,"style":164},"k317",[1804],{"_key":1805,"_type":147,"marks":1806,"text":1807},"k316",[],"Interest applies directly to the checking balance, not a separate savings account like Relay's",[],{"_key":1810,"_type":143,"children":1811,"level":1251,"listItem":1676,"markDefs":1816,"style":164},"k321",[1812],{"_key":1813,"_type":147,"marks":1814,"text":1815},"k320",[],"Premier plan pays 3.0% APY on balances up to USD $3,000,000, the same ceiling as its FDIC coverage, while Relay's 3.00% only applies to money moved into a savings account",[],{"_key":1818,"_type":143,"children":1819,"level":1251,"listItem":1676,"markDefs":1824,"style":164},"k325",[1820],{"_key":1821,"_type":147,"marks":1822,"text":1823},"k324",[],"Plus and Premier monthly fees drop to nil if balance and spend requirements are met",[],{"_key":1826,"_type":143,"children":1827,"level":1251,"listItem":1676,"markDefs":1832,"style":164},"k329",[1828],{"_key":1829,"_type":147,"marks":1830,"text":1831},"k328",[],"Line of credit up to USD $250,000, plus term loans up to USD $500,000 through lending partners",[],{"_key":1834,"_type":143,"children":1835,"markDefs":1839,"style":164},"k333",[1836],{"_key":1837,"_type":147,"marks":1838,"text":1726},"k332",[1632],[],{"_key":1841,"_type":143,"children":1842,"level":1251,"listItem":1676,"markDefs":1847,"style":164},"k337",[1843],{"_key":1844,"_type":147,"marks":1845,"text":1846},"k336",[],"Higher yield plans carry a monthly fee unless both a minimum average daily balance and a minimum monthly card spend are met in the same billing period",[],{"_key":1849,"_type":143,"children":1850,"level":1251,"listItem":1676,"markDefs":1855,"style":164},"k341",[1851],{"_key":1852,"_type":147,"marks":1853,"text":1854},"k340",[],"Not built for account splitting the way Relay is",[],{"_key":1857,"_type":143,"children":1858,"markDefs":1863,"style":1597},"k345",[1859],{"_key":1860,"_type":147,"marks":1861,"text":1862},"k344",[],"3. Mercury vs Relay",[],{"_key":1865,"_type":143,"children":1866,"markDefs":1871,"style":164},"k349",[1867],{"_key":1868,"_type":147,"marks":1869,"text":1870},"k348",[],"Mercury is built for a different founder than Relay's typical user: technical, often venture backed, and moving money globally.",[],{"_key":1873,"_type":143,"children":1874,"markDefs":1883,"style":164},"k356",[1875,1878],{"_key":1876,"_type":147,"marks":1877,"text":1633},"k354",[1632],{"_key":1879,"_type":147,"marks":1880,"text":1882},"k355",[1881],"k351","3.9\u002F5",[1884],{"_key":1881,"_type":161,"externalUrl":1885,"linkType":163},"https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Fmercury.com",{"_key":1887,"_type":143,"children":1888,"markDefs":1896,"style":164},"k362",[1889,1892],{"_key":1890,"_type":147,"marks":1891,"text":1788},"k360",[1632],{"_key":1893,"_type":147,"marks":1894,"text":1895},"k361",[]," Tech startups that need free international wires and API access.",[],{"_key":1898,"_type":143,"children":1899,"markDefs":1903,"style":164},"k366",[1900],{"_key":1901,"_type":147,"marks":1902,"text":1667},"k365",[1632],[],{"_key":1905,"_type":143,"children":1906,"level":1251,"listItem":1676,"markDefs":1911,"style":164},"k370",[1907],{"_key":1908,"_type":147,"marks":1909,"text":1910},"k369",[],"Free domestic and international USD wires",[],{"_key":1913,"_type":143,"children":1914,"level":1251,"listItem":1676,"markDefs":1919,"style":164},"k374",[1915],{"_key":1916,"_type":147,"marks":1917,"text":1918},"k373",[],"FDIC coverage up to USD $5,000,000 through partner banks",[],{"_key":1921,"_type":143,"children":1922,"level":1251,"listItem":1676,"markDefs":1927,"style":164},"k378",[1923],{"_key":1924,"_type":147,"marks":1925,"text":1926},"k377",[],"A full API for custom financial tooling",[],{"_key":1929,"_type":143,"children":1930,"level":1251,"listItem":1676,"markDefs":1935,"style":164},"k382",[1931],{"_key":1932,"_type":147,"marks":1933,"text":1934},"k381",[],"Mercury Venture Debt for startups that raised institutional VC funding within the past 12 months, originated by Mercury Lending LLC. Mercury Raise is a separate investor-matching program, not a lending channel",[],{"_key":1937,"_type":143,"children":1938,"markDefs":1942,"style":164},"k386",[1939],{"_key":1940,"_type":147,"marks":1941,"text":1726},"k385",[1632],[],{"_key":1944,"_type":143,"children":1945,"level":1251,"listItem":1676,"markDefs":1950,"style":164},"k390",[1946],{"_key":1947,"_type":147,"marks":1948,"text":1949},"k389",[],"No native envelope-style budgeting, unlike Relay",[],{"_key":1952,"_type":143,"children":1953,"level":1251,"listItem":1676,"markDefs":1958,"style":164},"k394",[1954],{"_key":1955,"_type":147,"marks":1956,"text":1957},"k393",[],"No cash deposit option",[],{"_key":1960,"_type":143,"children":1961,"markDefs":1966,"style":1597},"k398",[1962],{"_key":1963,"_type":147,"marks":1964,"text":1965},"k397",[],"4. Baselane vs Relay",[],{"_key":1968,"_type":143,"children":1969,"markDefs":1974,"style":164},"k402",[1970],{"_key":1971,"_type":147,"marks":1972,"text":1973},"k401",[],"Baselane and Relay actually run on the same partner bank, Thread Bank, Member FDIC. The difference isn't the banking infrastructure. It's who each platform is built for.",[],{"_key":1976,"_type":143,"children":1977,"markDefs":1986,"style":164},"k409",[1978,1981],{"_key":1979,"_type":147,"marks":1980,"text":1633},"k407",[1632],{"_key":1982,"_type":147,"marks":1983,"text":1985},"k408",[1984],"k404","4.8\u002F5",[1987],{"_key":1984,"_type":161,"externalUrl":1988,"linkType":163},"https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Fbaselane.com",{"_key":1990,"_type":143,"children":1991,"markDefs":1999,"style":164},"k415",[1992,1995],{"_key":1993,"_type":147,"marks":1994,"text":1648},"k413",[1632],{"_key":1996,"_type":147,"marks":1997,"text":1998},"k414",[],"Landlords or real estate investors managing multiple properties.",[],{"_key":2001,"_type":143,"children":2002,"markDefs":2006,"style":164},"k419",[2003],{"_key":2004,"_type":147,"marks":2005,"text":1667},"k418",[1632],[],{"_key":2008,"_type":143,"children":2009,"level":1251,"listItem":1676,"markDefs":2014,"style":164},"k423",[2010],{"_key":2011,"_type":147,"marks":2012,"text":2013},"k422",[],"Unlimited property-specific sub-accounts, a close match to Relay's own account-splitting model",[],{"_key":2016,"_type":143,"children":2017,"level":1251,"listItem":1676,"markDefs":2022,"style":164},"k427",[2018],{"_key":2019,"_type":147,"marks":2020,"text":2021},"k426",[],"Built-in rent collection, tenant screening, and bookkeeping, all on a free Core plan",[],{"_key":2024,"_type":143,"children":2025,"level":1251,"listItem":1676,"markDefs":2030,"style":164},"k431",[2026],{"_key":2027,"_type":147,"marks":2028,"text":2029},"k430",[],"Transparent per-transaction fees: USD $2 per mailed check, USD $2 ACH fee on external-bank transfers, and 3.49% on rent collected by card",[],{"_key":2032,"_type":143,"children":2033,"markDefs":2037,"style":164},"k435",[2034],{"_key":2035,"_type":147,"marks":2036,"text":1726},"k434",[1632],[],{"_key":2039,"_type":143,"children":2040,"level":1251,"listItem":1676,"markDefs":2045,"style":164},"k439",[2041],{"_key":2042,"_type":147,"marks":2043,"text":2044},"k438",[],"Purpose-built for landlords, not general businesses",[],{"_key":2047,"_type":143,"children":2048,"level":1251,"listItem":1676,"markDefs":2053,"style":164},"k443",[2049],{"_key":2050,"_type":147,"marks":2051,"text":2052},"k442",[],"Cash deposits go into checking only, capped at USD $2,000 a day",[],{"_key":2055,"_type":143,"children":2056,"markDefs":2061,"style":1597},"k447",[2057],{"_key":2058,"_type":147,"marks":2059,"text":2060},"k446",[],"5. 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It offers the highest rate in this comparison.",[],{"_key":2158,"_type":143,"children":2159,"markDefs":2167,"style":164},"k503",[2160,2163],{"_key":2161,"_type":147,"marks":2162,"text":1633},"k501",[1632],{"_key":2164,"_type":147,"marks":2165,"text":1778},"k502",[2166],"k498",[2168],{"_key":2166,"_type":161,"externalUrl":2169,"linkType":163},"https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Flili.co",{"_key":2171,"_type":143,"children":2172,"markDefs":2180,"style":164},"k509",[2173,2176],{"_key":2174,"_type":147,"marks":2175,"text":1788},"k507",[1632],{"_key":2177,"_type":147,"marks":2178,"text":2179},"k508",[]," Self-employed founders who want tax automation and a genuinely competitive place to grow savings.",[],{"_key":2182,"_type":143,"children":2183,"markDefs":2187,"style":164},"k513",[2184],{"_key":2185,"_type":147,"marks":2186,"text":1667},"k512",[1632],[],{"_key":2189,"_type":143,"children":2190,"level":1251,"listItem":1676,"markDefs":2195,"style":164},"k517",[2191],{"_key":2192,"_type":147,"marks":2193,"text":2194},"k516",[],"2.25% APY on balances up to USD $500,000, rising to 4.00% APY on the portion between USD $500,000.01 and USD $1,000,000",[],{"_key":2197,"_type":143,"children":2198,"level":1251,"listItem":1676,"markDefs":2203,"style":164},"k521",[2199],{"_key":2200,"_type":147,"marks":2201,"text":2202},"k520",[],"Cash deposits at over 90,000 Green Dot locations",[],{"_key":2205,"_type":143,"children":2206,"level":1251,"listItem":1676,"markDefs":2211,"style":164},"k525",[2207],{"_key":2208,"_type":147,"marks":2209,"text":2210},"k524",[],"FDIC coverage up to USD $3,000,000",[],{"_key":2213,"_type":143,"children":2214,"markDefs":2218,"style":164},"k529",[2215],{"_key":2216,"_type":147,"marks":2217,"text":1726},"k528",[1632],[],{"_key":2220,"_type":143,"children":2221,"level":1251,"listItem":1676,"markDefs":2226,"style":164},"k533",[2222],{"_key":2223,"_type":147,"marks":2224,"text":2225},"k532",[],"Checking itself doesn't earn interest; only the separate savings product does",[],{"_key":2228,"_type":143,"children":2229,"markDefs":2234,"style":1597},"k537",[2230],{"_key":2231,"_type":147,"marks":2232,"text":2233},"k536",[],"7. 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Growing teams that need to track budgets across people outgrow it fast.",[],{"_key":2268,"_type":143,"children":2269,"markDefs":2273,"style":164},"k558",[2270],{"_key":2271,"_type":147,"marks":2272,"text":1667},"k557",[1632],[],{"_key":2275,"_type":143,"children":2276,"level":1251,"listItem":1676,"markDefs":2281,"style":164},"k562",[2277],{"_key":2278,"_type":147,"marks":2279,"text":2280},"k561",[],"No monthly fee, no minimum balance",[],{"_key":2283,"_type":143,"children":2284,"level":1251,"listItem":1676,"markDefs":2289,"style":164},"k566",[2285],{"_key":2286,"_type":147,"marks":2287,"text":2288},"k565",[],"Built-in invoicing and direct integrations with Shopify, Square, and Stripe",[],{"_key":2291,"_type":143,"children":2292,"level":1251,"listItem":1676,"markDefs":2297,"style":164},"k570",[2293],{"_key":2294,"_type":147,"marks":2295,"text":2296},"k569",[],"ATM fees refunded up to USD $7\u002Fmonth",[],{"_key":2299,"_type":143,"children":2300,"markDefs":2304,"style":164},"k574",[2301],{"_key":2302,"_type":147,"marks":2303,"text":1726},"k573",[1632],[],{"_key":2306,"_type":143,"children":2307,"level":1251,"listItem":1676,"markDefs":2312,"style":164},"k578",[2308],{"_key":2309,"_type":147,"marks":2310,"text":2311},"k577",[],"No interest and no cash deposits. Novo Funding and the Novo Business Credit Card exist but are separate, opt-in applications, not credit built into every account by default",[],{"_key":2314,"_type":143,"children":2315,"level":1251,"listItem":1676,"markDefs":2320,"style":164},"k582",[2316],{"_key":2317,"_type":147,"marks":2318,"text":2319},"k581",[],"Support is email and in-app only, with no phone line",[],{"_key":2322,"_type":143,"children":2323,"markDefs":2328,"style":1180},"k586",[2324],{"_key":2325,"_type":147,"marks":2326,"text":2327},"k585",[],"Keep your budgeting system without Relay",[],{"_key":2330,"_type":143,"children":2331,"markDefs":2345,"style":164},"k595",[2332,2336,2341],{"_key":2333,"_type":147,"marks":2334,"text":2335},"k592",[],"Each of Relay's checking accounts carries its own account number and its own routing number, not a single routing number shared across accounts the way some competitors structure their sub-accounts. That distinction matters for ",{"_key":2337,"_type":147,"marks":2338,"text":2340},"k593",[2339],"k588","Profit First",{"_key":2342,"_type":147,"marks":2343,"text":2344},"k594",[]," practitioners who route specific incoming payments to specific accounts, since a payer can direct funds straight to the right account without any manual sorting on the receiving end.",[2346],{"_key":2339,"_type":161,"externalUrl":2347,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fblog\u002Fthe-profit-first-method-explained",{"_key":2349,"_type":143,"children":2350,"markDefs":2355,"style":164},"k599",[2351],{"_key":2352,"_type":147,"marks":2353,"text":2354},"k598",[],"The real hesitation behind switching away from Relay usually isn't about fees. It's whether you'll lose your Profit First setup. Fair question. Here's the honest answer, platform by platform:",[],{"_key":2357,"_type":143,"children":2358,"level":1251,"listItem":1676,"markDefs":2363,"style":164},"k603",[2359],{"_key":2360,"_type":147,"marks":2361,"text":2362},"k602",[],"Bluevine offers up to 5 sub-accounts on Standard, 10 on Plus, and 50 on Premier, matching Relay's own maximum of 50 on its Scale plan",[],{"_key":2365,"_type":143,"children":2366,"level":1251,"listItem":1676,"markDefs":2371,"style":164},"k607",[2367],{"_key":2368,"_type":147,"marks":2369,"text":2370},"k606",[],"Baselane offers multiple virtual accounts per property, arguably the closest structural match to Relay",[],{"_key":2373,"_type":143,"children":2374,"level":1251,"listItem":1676,"markDefs":2379,"style":164},"k611",[2375],{"_key":2376,"_type":147,"marks":2377,"text":2378},"k610",[],"Novo's Reserves handles basic budgeting, with less room than Relay's structure",[],{"_key":2381,"_type":143,"children":2382,"level":1251,"listItem":1676,"markDefs":2387,"style":164},"k615",[2383],{"_key":2384,"_type":147,"marks":2385,"text":2386},"k614",[],"Mercury has no native envelope-style splitting. Expect a manual workaround",[],{"_key":2389,"_type":143,"children":2390,"level":1251,"listItem":1676,"markDefs":2395,"style":164},"k619",[2391],{"_key":2392,"_type":147,"marks":2393,"text":2394},"k618",[],"Found and Lili both automate tax bucketing, which covers savings-style splitting without replicating full multi-account budgeting",[],{"_key":2397,"_type":143,"children":2398,"level":1251,"listItem":1676,"markDefs":2409,"style":164},"k627",[2399,2402,2405],{"_key":2400,"_type":147,"marks":2401,"text":480},"k624",[],{"_key":2403,"_type":147,"marks":2404,"text":1503},"k625",[1502],{"_key":2406,"_type":147,"marks":2407,"text":2408},"k626",[]," has no multi-account budget splitting either, but it lets you set enforceable budgets to track and control spend",[],{"_key":2411,"_type":143,"children":2412,"markDefs":2417,"style":164},"k631",[2413],{"_key":2414,"_type":147,"marks":2415,"text":2416},"k630",[],"The plain truth: nothing here replicates Relay's exact 20 free account setup at no cost. If that specific structure, at that specific price, is the whole reason you're on Relay, no alternative on this list is a perfect like-for-like swap. It's worth knowing that going in, rather than discovering it after you've switched.",[],{"_key":2419,"_type":143,"children":2420,"markDefs":2425,"style":1180},"k635",[2421],{"_key":2422,"_type":147,"marks":2423,"text":2424},"k634",[],"What switching from Relay actually costs",[],{"_key":2427,"_type":143,"children":2428,"markDefs":2433,"style":164},"k639",[2429],{"_key":2430,"_type":147,"marks":2431,"text":2432},"k638",[],"Relay's free plan looks attractive, but before you pick a Relay bank alternative, look at what that price doesn't cover.",[],{"_key":2435,"_type":143,"children":2436,"markDefs":2441,"style":164},"k643",[2437],{"_key":2438,"_type":147,"marks":2439,"text":2440},"k642",[],"None of Relay's three tiers include free wires. Domestic wires run USD $5–$8 depending on plan, and international wires run USD $1.50–$25 depending on the network and plan. Same day ACH, with a free monthly allotment, is exclusive to the USD $90 Scale plan. Compare that to Mercury, which includes free international USD wires at every tier, including its free plan.",[],{"_key":2443,"_type":143,"children":2444,"markDefs":2449,"style":164},"k647",[2445],{"_key":2446,"_type":147,"marks":2447,"text":2448},"k646",[],"Cash handling has its own cost curve. Bluevine charges USD $4.95 per Green Dot cash deposit. Baselane charges USD $2 per mailed check and USD $15 for a checkbook, plus a 3.49% fee on rent collected by card. Relay isn't fee-free here either. Green Dot deposits top out at the same USD $4.95 fee, though Allpoint+ ATM deposits stay free.",[],{"_key":2451,"_type":143,"children":2452,"markDefs":2457,"style":164},"k651",[2453],{"_key":2454,"_type":147,"marks":2455,"text":2456},"k650",[],"The real number to compare isn't the sticker price. It's what you'll actually pay once you're doing what your business normally does: sending a wire, depositing a check, taking a cash payment. That's where the free plans quietly stop being free",[],{"_key":2459,"_type":143,"children":2460,"markDefs":2465,"style":1180},"k655",[2461],{"_key":2462,"_type":147,"marks":2463,"text":2464},"k654",[],"Bottom line",[],{"_key":2467,"_type":143,"children":2468,"markDefs":2484,"style":164},"k666",[2469,2473,2477,2480],{"_key":2470,"_type":147,"marks":2471,"text":2472},"k662",[],"There's no single best Relay bank alternative, only a best fit for how your business actually moves money. If Relay's free bucket-splitting setup already works and the only complaint is 0% checking interest, Bluevine is the closest full swap. If your team writes code against a banking API or wires money abroad regularly, Mercury earns its edge. If your business is rental property, Baselane's structure fits better than a generic small business account ever will. If your operation already spans currencies*, whether that's paying a remote team, a supplier, or a contractor outside the US, that's the one job Relay was never built to do, and where a platform like ",{"_key":2474,"_type":147,"marks":2475,"text":480},"k663",[2476],"k657",{"_key":2478,"_type":147,"marks":2479,"text":1503},"k664",[1502],{"_key":2481,"_type":147,"marks":2482,"text":2483},"k665",[]," is worth a look.",[2485],{"_key":2476,"_type":161,"externalUrl":2486,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus",{"_key":2488,"_type":143,"children":2489,"markDefs":2493,"style":1180},"k670",[2490],{"_key":2491,"_type":147,"marks":2492,"text":601},"k669",[],[],{"_key":2495,"_type":143,"children":2496,"markDefs":2501,"style":1597},"k674",[2497],{"_key":2498,"_type":147,"marks":2499,"text":2500},"k673",[1632],"Is Relay an actual bank?",[],{"_key":2503,"_type":143,"children":2504,"markDefs":2509,"style":164},"k678",[2505],{"_key":2506,"_type":147,"marks":2507,"text":2508},"k677",[],"No. Relay is a financial technology company, not a bank. Banking services and FDIC insurance come through its partner bank, Thread Bank, Member FDIC.",[],{"_key":2511,"_type":143,"children":2512,"markDefs":2517,"style":1597},"k682",[2513],{"_key":2514,"_type":147,"marks":2515,"text":2516},"k681",[1632],"Is Relay trustworthy?",[],{"_key":2519,"_type":143,"children":2520,"markDefs":2534,"style":164},"k691",[2521,2525,2530],{"_key":2522,"_type":147,"marks":2523,"text":2524},"k688",[],"On trust and legitimacy, yes. Relay holds a ",{"_key":2526,"_type":147,"marks":2527,"text":2529},"k689",[2528],"k684","4.3 out of 5 rating on Trustpilot",{"_key":2531,"_type":147,"marks":2532,"text":2533},"k690",[],", with consistently strong marks for its support team. A recurring theme in the lower-rated reviews is worth flagging directly: some users report extended account holds during compliance review, with fund access delayed for weeks while documentation is verified. Trustworthy doesn't mean feature-complete, though. Relay's checking still earns 0% and its lending options stop at a term loan and a charge card, not a revolving line, so the gaps covered earlier in this guide to picking a Relay bank alternative, including no interest on checking, are still real trade-offs.",[2535],{"_key":2528,"_type":161,"externalUrl":2536,"linkType":163},"https:\u002F\u002Fwww.trustpilot.com\u002Freview\u002Frelayfi.com",{"_key":2538,"_type":143,"children":2539,"markDefs":2544,"style":1597},"k695",[2540],{"_key":2541,"_type":147,"marks":2542,"text":2543},"k694",[1632],"Is Relay FDIC insured?",[],{"_key":2546,"_type":143,"children":2547,"markDefs":2568,"style":164},"k708",[2548,2552,2557,2561,2564],{"_key":2549,"_type":147,"marks":2550,"text":2551},"k703",[],"Yes, through pass-through insurance via Thread Bank, Member FDIC, covering up to USD $3,000,000 through Thread Bank's deposit sweep program. Thread bank was issued an FDIC consent order on May 21, 2024, tied to its oversight of fintech-partner relationships. That order was formally terminated on Dec 22, 2025. Pass-through ",{"_key":2553,"_type":147,"marks":2554,"text":2556},"k704",[2555],"k697","FDIC insurance",{"_key":2558,"_type":147,"marks":2559,"text":2560},"k705",[]," works the same way across most fintech platforms, Aspire",{"_key":2562,"_type":147,"marks":2563,"text":1503},"k706",[1502],{"_key":2565,"_type":147,"marks":2566,"text":2567},"k707",[]," included. Coverage caps, partner banks, and the conditions attached to pass-through insurance differ by provider, as shown throughout this guide, so confirm the specific structure for whichever platform you're considering rather than assuming it matches Relay's, especially as you compare Relay bank alternatives.",[2569],{"_key":2555,"_type":161,"externalUrl":2570,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fblog\u002Ffdic-insurance",{"_key":2572,"_type":143,"children":2573,"markDefs":2578,"style":1597},"k712",[2574],{"_key":2575,"_type":147,"marks":2576,"text":2577},"k711",[1632],"What features should I prioritize when choosing a Relay bank alternative?",[],{"_key":2580,"_type":143,"children":2581,"markDefs":2586,"style":164},"k716",[2582],{"_key":2583,"_type":147,"marks":2584,"text":2585},"k715",[],"Start with what your business does daily, not the feature list:",[],{"_key":2588,"_type":143,"children":2589,"level":1251,"listItem":1676,"markDefs":2594,"style":164},"k720",[2590],{"_key":2591,"_type":147,"marks":2592,"text":2593},"k719",[],"Whether idle cash should be earning interest",[],{"_key":2596,"_type":143,"children":2597,"level":1251,"listItem":1676,"markDefs":2602,"style":164},"k724",[2598],{"_key":2599,"_type":147,"marks":2600,"text":2601},"k723",[],"Whether you'll need a line of credit or term loan down the line",[],{"_key":2604,"_type":143,"children":2605,"level":1251,"listItem":1676,"markDefs":2610,"style":164},"k728",[2606],{"_key":2607,"_type":147,"marks":2608,"text":2609},"k727",[],"Whether you handle physical cash",[],{"_key":2612,"_type":143,"children":2613,"level":1251,"listItem":1676,"markDefs":2618,"style":164},"k732",[2614],{"_key":2615,"_type":147,"marks":2616,"text":2617},"k731",[],"Whether you send money internationally",[],{"_key":2620,"_type":143,"children":2621,"level":1251,"listItem":1676,"markDefs":2626,"style":164},"k736",[2622],{"_key":2623,"_type":147,"marks":2624,"text":2625},"k735",[],"Whether losing Relay's account-splitting structure will actually disrupt how you budget",[],{"_key":2628,"_type":143,"children":2629,"markDefs":2634,"style":1597},"k740",[2630],{"_key":2631,"_type":147,"marks":2632,"text":2633},"k739",[1632],"Does Relay handle international wire transfers?",[],{"_key":2636,"_type":143,"children":2637,"markDefs":2642,"style":164},"k744",[2638],{"_key":2639,"_type":147,"marks":2640,"text":2641},"k743",[],"Yes. Domestic wires cost USD $5–$8 depending on plan, and international wires cost USD $1.50–$25 depending on the network used and the plan. None of Relay's tiers include free wires. Mercury, by comparison, offers free international USD wires at every plan tier.",[],{"_key":2644,"_type":143,"children":2645,"markDefs":2650,"style":1597},"k748",[2646],{"_key":2647,"_type":147,"marks":2648,"text":2649},"k747",[1632],"Does Relay accept cash deposits?",[],{"_key":2652,"_type":143,"children":2653,"markDefs":2658,"style":164},"k752",[2654],{"_key":2655,"_type":147,"marks":2656,"text":2657},"k751",[],"Yes. Relay isn't branch based, but it accepts cash deposits for free at any Allpoint+ ATM, or through the Green Dot Network at over 90,000 retailers for a fee up to USD $4.95. 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