Relay vs Bluevine

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	RelayRelay Financial	BluevineBluevine
In one line	Checking with up to 20 accounts for envelope budgeting	Interest-bearing business checking with a line of credit
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	Starter free (20 checking accounts); Grow $30/mo adds approval rules and recurring invoices; Scale $120/mo ($90 limited-time) adds free same-day ACH and 50 accounts	Standard free; Plus $30/mo; Premier $95/mo
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	No others on record
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	Scale only	Plans not stated
Live chat	None listed	Plans not stated
Support hours	Not published	Not published
Incidents posted	We found no public status page for Relay Financial.	We found no public status page for Bluevine.
Trustpilot score	4.3 / 5 from 3,805 reviews	4.7 / 5 from 11,737 reviews
Fit: Retail shop	75	70
Fit: Restaurant or café	75	65
Fit: Service business	85	75
Fit: Agency or studio	70	60
Fit: Trades or contractor	85	80
Fit: Online store	70	65
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Interest on checking Credit line available
Where it falls short	No lending products	Interest needs activity thresholds
	Visit Relay ↗	Visit Bluevine ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices