The Grow Plan is Relay's $30/month subscription for small businesses with expanding teams that need approval workflows, higher wire volume, interest on savings, and card cash back.
Who the Grow Plan is for
The Grow Plan fits established small businesses that have outgrown the Starter Plan and need workflow controls, higher wire volume, or interest on idle cash before they need everything the Scale Plan carries.
Owners running Profit First or multi-account budgeting who want up to 20 checking accounts and two savings accounts earning interest
Teams that need payment approval rules and card spend policies to control who moves money
Businesses sending regular same-day ACH, domestic wires, or international wires each month
Owners who want to earn interest on money set aside for taxes, reserves, or profit
Businesses using the Relay Visa® Credit Card that want cash back on eligible purchases
How the Grow Plan works
The Grow Plan sits between the Starter Plan (no monthly maintenance fee) and the Scale Plan (higher tier), and it unlocks features across five areas: banking capacity, sending money, earning yield, expense controls, and workflow automation.
Subscribe from Settings, Plans and Billing on desktop, and select a Relay checking account with a minimum $30 balance to cover the monthly fee.
Your Relay Account gains access to up to 20 checking accounts, two savings accounts, and Grow-tier features immediately.
Interest accrues on savings balances at 1.75% Annual Percentage Yield.
Cash back accrues on Relay Visa® Credit Card spend at 1.25% of eligible purchases.
Your subscription renews monthly. You can upgrade, downgrade, or cancel any time from the same settings page.
What is included in the Grow Plan
The Grow Plan includes expanded banking capacity, interest-bearing savings, cash-back credit, richer approval workflows, and unlimited standard payments.
Banking capacity:
Up to 20 checking accounts and two savings accounts
Savings accounts earning 1.75% Annual Percentage Yield*
Relay Visa® Credit Card with 1.25% cash back on eligible purchases
Sending money:
Unlimited standard ACH transfers (1 to 2 business days) at no per-transfer fee
Same-day ACH at $3 per transfer
Outgoing domestic wires at $5 per wire
Outgoing international wires via Local Network at $3 per wire
Outgoing international wires via SWIFT at $22 per wire
Currency exchange for international wires starting at 1.00% margin
Mailed checks and checkbooks included at no per-check charge
ATM withdrawals at no withdrawal fee at Allpoint Network ATMs
Receiving money:
Incoming wire transfers at $5 per wire
Accepting card payments on Invoices or Quick Requests at 2.9% + $0.30 per transaction
Pay-by-Bank (ACH Pull) on Invoices or Quick Requests at 0.75%, capped at $10 per transaction
Bill Pay:
Unlimited standard and bill payments
Bills Inbox for centralized bill management
Payment approval rules for accounts payable workflows
Batch vendor payments and bill categorization
Accounting connections to QuickBooks Online (bills, receipts, expenses, bank feeds) and Xero
Expense Management:
Spend and receipt policies
Daily and monthly card spend limits
Receipt attachments and automated categorization
Accounting integration with QuickBooks Online and Xero
Invoicing:
Standard and branded payment requests
Recurring invoices
Client surcharging on credit card payments
Support: Monday to Friday, 9:00 AM to 8:00 PM ET, by chat, phone, or email.
What is not included in the Grow Plan
Some features are reserved for the Scale Plan, which carries a higher monthly subscription fee.
Higher savings Annual Percentage Yield tier
Higher cash back rate on the Relay Visa® Credit Card
Lower per-transaction payment processing fees
Priority "skip the line" customer support
Partner perks and partner discounts
If you need any of these, the Scale Plan is the upgrade path.
How do I upgrade to the Grow Plan?
You upgrade to the Grow Plan from your Relay Account settings on desktop, and the change takes effect immediately.
Sign in to your Relay Account on desktop.
Go to Settings.
Click Plans and Billing.
Under the Grow panel, click Get Grow Now.
Select a Relay checking account with a minimum $30 balance to fund the subscription.
Click Checkout.
If you're upgrading from the Starter Plan or downgrading from the Scale Plan, any unused time on your previous plan is credited automatically.
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