We’re updating our subscription plans to better serve your banking and financial needs. Starting April 28th, 2025, our monthly subscription offerings will change, offering more value and flexibility across three plans. For more information on this change to our subscription plans, feel free to view Important Changes to Our Subscription Plans
|
Feature |
Starter |
Grow |
Scale |
|---|---|---|---|
| Monthly Cost | $0 | $30 | $90 (regularly $120) |
| APY | 1.03% | 1.75% | 3.03% |
| Credit Card Cashback | 1.00% | 1.25% | 1.50% |
| Banking Accounts | 20 Checking 2 Savings |
20 Checking 2 Savings |
50 Checking 2 Savings |
| Standard ACH Payments | Free | Free | Free |
| Same-day ACH | $5 | $3 | 10 free, then $1 each |
| Domestic Wires | $8 | $5 | $5 |
| Local Network International Wires | $5 | $3 | $1.50 |
| SWIFT Network International Wires | $25 | $22 | $20 |
| Currency Exchange | As low as 1.00% | As low as 1.00% | As low as 1.00% |
Payment Processing Fees |
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| Online Card Payment Fee | 2.9% + $0.30 | 2.9% + $0.30 | 2.9% + $0.30 |
| Pay-by-Bank Fee | 1.00% | 0.75% | 0.50% |
| Domestic Wires Request | $5 per incoming wire | $5 per incoming wire | $5 per incoming wire |
Bill Pay |
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| Features |
|
|
Coming soon:
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Expense Management |
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| Features |
|
|
Coming soon:
|
| Invoicing Features | Standard Payment Requests | Recurring & Branded (coming soon) | Surcharging (coming soon) |
| Accounting Integrations | Bank Feeds, Receipts, Expenses | Bank Feeds, Receipts, Expenses | Bank Feeds, Receipts, Expenses |
| Partnership Discounts | 🚫 | 🚫 |
|
| Priority Support | 🚫 | 🚫 | ✅ |
How to Update Your Subscription
- Sign in to your Relay account on your desktop.
- Navigate to the Settings tab.
- Click Plans and Billing.
-
Choose a Plan.
- To upgrade to Grow, click on Get Grow now.
- To upgrade to Scale, click on Subscribe to Scale.
- Choose the checking account for your Payment Method.
- Click on Upgrade to Grow or Upgrade to Scale.
Frequently Asked Questions
Can I change my plan anytime?
Yes! You can upgrade or cancel your plan at any time by going to Settings>Plans and Billing.
What happens if I decide to cancel my subscription?
If you want to cancel your Grow or Scale subscription, your plan will not renew on your billing cycle date. You will lose access to any benefits from your Grow or Scale subscription at the end of your billing period.
What happens if I upgrade my plan from Grow to Scale during my subscription?
You will be charged the full monthly fee starting the date you decide to upgrade until you cancel your subscription. You will then be immediately reimbursed for a prorated amount equal to the remainder of your existing subscription period, if any, upon upgrade to a new plan.
How does this affect the interest earned in my Savings Accounts?
Previously, the APY earned by your Savings account varied between 1.75%-3.76% and was determined by your average monthly account balance.
Going forward, APY will be determined by your subscription plan.
|
Starter |
Grow |
Scale |
|---|---|---|
| 1.03% | 1.75% | 3.03% |
How does this affect the Cash Back earned on my Relay Visa® Credit Card?
Going forward, the cash back earned on your Relay Visa® Credit Card will also be determined by your subscription plan.
|
Starter |
Grow |
Scale |
|---|---|---|
| 1.00% | 1.25% | 1.50% |
How does this affect payment processing fees?
|
Feature |
Starter |
Grow |
Scale |
|---|---|---|---|
| Standard ACH Payments | Free | Free | Free |
| Same-day ACH | $5 | $3 | 10 free, then $1 each |
| Domestic Wires | $8 | $5 | $5 |
| Local Network International Wires | $5 | $3 | $1.50 |
| SWIFT Network International Wires | $25 | $22 | $20 |
| Currency Exchange | As low as 1.00% | As low as 1.00% | As low as 1.00% |
| Online Card Payment Fee | 2.9% + $0.30 | 2.9% + $0.30 | 2.9% + $0.30 |
| Pay-by-Bank Fee | 1.00% | 0.75% | 0.50% |
| Domestic Wires Request | $5 per incoming wire | $5 per incoming wire | $5 per incoming wire |
Still have questions? Our team is ready to help! Talk to our Customer Experience team