The Starter plan is built for solopreneurs and new businesses focused on keeping things simple, organized, and cost-effective. When you’re just starting out, every dollar matters—and the Starter plan is designed to help you run your business with confidence, without monthly fees.
For $0/month, Starter gives you the essential financial infrastructure to stay organized, avoid costly mistakes, and lay the foundation for future growth.
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Monthly Plan Details
Price: $0/month
Savings APY1: 1.11%
Relay Visa® Credit Card Cash Back: 1.00%
Checking Accounts: Up to 20
Savings Accounts: 2
Support: Relay offers fast and friendly customer support via chat, phone, or email. Support is available Monday–Friday, 9:00am–8:00pm ET.
Feature | Included / Cost |
Banking Features | |
Standard ACH (1–2 day delivery) | Free |
Same-Day ACH | $5 per transfer |
Domestic Wires | $8 |
Intl Wires (Local Network) | $5 |
Intl Wires (SWIFT Network) | $25 |
Currency Exchange | As low as 1.00% |
Mailed Checks & Checkbooks | Free |
ATM Withdrawals (AllPoint Network) | Free |
Bill Pay | |
Unlimited Standard Payments | ✅ |
Unlimited Bill Payments | ✅ |
Bills Inbox | ✅ |
Accounting Integration (QuickBooks, Xero) | ✅ |
Expenses | |
Spend & Receipt Policies | ✅ |
Daily/Monthly Spend Limits | ✅ |
Automated & Manual Expense Categorization | ✅ |
Card Limits & Controls | ✅ |
Invoicing | |
Invoices or Quick Requests | ✅ |
Standard Invoicing | ✅ |
Branded & Recurring Invoices | ✅ |
Payment Processing Fees | |
Credit Card Payments | 2.9% + $0.30 |
Pay-by-Bank (ACH Pull) | 1.00%(Capped at a maximum fee of $10.) |
Incoming Wire Transfers | $5 per incoming wire via Invoices or Quick Requests |
Accounting Integrations | |
QuickBooks Online | Bank Feeds, Bills, Receipts, Expenses |
Xero | |
Gusto | ✅ |
Plaid / Yodlee | ✅ |
Not Included in Starter
Some features are exclusive to higher plans (Grow and Scale), including:
Partial payments
Spend insights and dashboards
Skip-the-line support
Partner perks (e.g., free Xero subscription for 6 months for new Xero customers, Engine cashback)
Ready to unlock these features? Upgrade to Grow or Scale when you’re ready for more control and flexibility.
How to Get Started with Starter
No need to opt in—Starter is Relay’s default plan for new customers!
If you want to confirm or update your plan:
Sign in to your Relay account.
Navigate to Settings > Plans and Billing.
Review your current plan and select upgrades if needed.
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