Delightful banking meets beautiful accounting

Relay auto-syncs your banking data with Xero to make paying bills and reconciling accounts fast, easy, and reliable.
  • No fees or minimum balances
  • ACH, wire, and check payments
  • Unlimited users with controlled permissions
  • Powerful payables and approval workflows
  • Physical and virtual debit Mastercards
  • Direct, real-time Xero bank feed
  • Up to 20 checking accounts
  • World-class customer support

Banking designed to make your accounting easier, not harder


Powerful, built-in payables to help you save time

Auto-import unpaid bills from Xero, set-up approval workflows, schedule payments, and pay via ACH, wire, or check. You can also invite your team, accountant or bookkeeper to collaborate. Once a bill is paid, the transaction is auto-synced with Xero for one-click reconciliation.


A direct bank feed you can trust

Not many banks share a direct connection with Xero. Relay, however, is one of them. We share reliable, enriched transaction data (including category) with Xero in real-time, helping you reconcile accounts faster and increase visibility into your cashflow.


Controlled access for your team, accountant, or bookkeeper

Empower your team by issuing physical or virtual Mastercard debit cards with spending limits and collaborate with your accountant or bookkeeper by inviting them as users with assigned permissions.


Open multiple accounts without the fees or minimum balances

Whether you want to open accounts for each of your transaction categories or you’re implementing your five foundational accounts (Income, Profit, Owner Comp, Tax, OpEx), we’ve got you covered. Relay helps you stay on top of your cashflow with as many bank accounts as you need, without the hidden fees.

Connect Relay with Xero in a few easy steps

Select Xero from the list of integrations in Relay

Enter your Xero credentials and select the organization

Select the Relay accounts you’d like to connect to Xero

About Xero

Xero is world-leading online accounting software built for small businesses.

  • • Get a real-time view of your cashflow. Log in anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cash flow. It’s small business accounting software that’s simple, smart and occasionally magical.
  • • Run your business on the go. Use our mobile app to reconcile, send invoices, or create expense claims - from anywhere.
  • • Get paid faster with online invoicing. Send online invoices to your customers - and get updated when they’re opened.
  • • Reconcile in seconds. Xero imports and categorises your latest bank transactions. Just click ok to reconcile.
Try Xero for free >
"With Relay, it’s finally easy to collaborate with our clients on their banking. Between the direct feed with Xero and having access to our clients’ banking data, we save up to an hour a month per client."
Joshua Lance
Lance CPA Group

You’re minutes away from banking designed to help your business grow

Get Started