Providers · Business accounts
Relay
3 plans in our database · pricing in USD
Data last verified: 21 August 2026
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Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| Starter | business | Free | Free | 1%* | $25 |
| Grow | business | $30/mo | Free | 1%* | $22 |
| Scale | business | $90/mo | Free | 1%* | $20 |
* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.
What you get
Card limits
The card can't pay for buying or trading crypto.
Card payments are declined in 58 countries: Afghanistan · Albania · Barbados · Belarus · Bosnia & Herzegovina · Burkina Faso · Burundi · Cambodia · Cayman Islands · Central African Republic · Congo - Brazzaville · Congo - Kinshasa · Cuba · Cyprus · Côte d’Ivoire · Eritrea · Ethiopia · Gibraltar · Guinea · Guinea-Bissau · Haiti · Hong Kong SAR China · Iran · Iraq · Jamaica · Jordan · Lebanon · Liberia · Libya · Lithuania · Macao SAR China · Madagascar · Mali · Malta · Morocco · Mozambique · Myanmar (Burma) · Nicaragua · Nigeria · North Korea · Pakistan · Panama · Philippines · Russia · Senegal · Sierra Leone · Somalia · South Sudan · Sri Lanka · Sudan · Syria · Türkiye · Uganda · Ukraine · Venezuela · Vietnam · Yemen · Zimbabwe. The account itself stays open and usable.
Getting in, and what you get
Pays up to 3% on USD balances.
Offers a credit card and term loans.
Legal forms
Accepts any legal form except the ones below.
Not accepted: Trust.
Regulation
Regulated or registered in United States.
In the fine print
Conditions from Relay's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Payments & transfers
- International wires aren't enabled by default: they require activation and review, and are limited to business-to-business payments, so non-profits can't send or receive them. The country blocks apply to both SWIFT and local-network wires, and reach whole regions as well as countries: Liaoning, Jilin and Heilongjiang in China, and Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia in Ukraine are fully prohibited.
- Separately, the international-wire feature can be blocked based on a beneficial owner's citizenship, covering around 70 countries.
- Some Relay add-on products are stricter than the checking account on business type: its Relay Capital lending product (via Fundbox) bars extra industries such as firearms and ammunition, and its international wire transfers apply their own broader list of restricted industries (for example alcohol, tobacco, weapons, and pharmaceuticals).
- Relay accounts hold dollars only: an incoming wire in another currency is not refused, it is converted into USD once received.
Cards
- A separate list of about 62 countries blocks card use at merchants located in them; in the UAE, card purchases of $1,000 USD or more may be declined.
- Accepting card payments on invoices has its own eligibility rules, separate from account opening: an additional country blocklist based on owner citizenship and residence, plus a broader list of prohibited industries than the account itself. Being ineligible for this feature doesn't stop you from opening an account.
- The Relay Visa Credit Card is a separate, invitation-only product with stricter eligibility: limited to LLC, general partnership, or corporation entities with US owners, and subject to minimum revenue thresholds.
Business activity
- The account also prohibits a few business types that no standard sector label captures: US Postal Service, prescription drugs, direct marketing and telemarketing, and the promotion of racism or bigotry.
Opening an account
- Beyond being incorporated in the US, the business must also have a US operating presence to qualify, not just US registration.
Licence & regulation
- Relay is a US financial-technology company, not a bank, and is not itself FDIC-insured; banking services and Visa cards are provided through partner Thread Bank (an FDIC member), with deposits swept to program banks for FDIC coverage of up to $3M.
Will Relay actually accept you?
Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks Relay's published rules on all of them, and shows you the alternatives too.
Check in 2 minutes →