Relay vs Found

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

Short version

Relay fits retail shop, restaurant or café, trades or contractor, online store.
Relay suits teams past ten people.
Found: Bookkeeping and tax estimates built in.

Compare	RelayRelay Financial	FoundFound
In one line	Checking with up to 20 accounts for envelope budgeting	Banking with bookkeeping and tax set-asides for the self-employed
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	Free; Plus $35/mo ($315/yr); Pro $80/mo ($720/yr); 30-day trial on paid plans
Pricing model	Free	Free tier
Free trial	—	30 days
Users	Unlimited	1 owner; team cards
Both connect to	Xero
Also connects to	QuickBooks Online	No others on record
Team size	Just me · 2–10 people · 11–50 people	Just me
Available in	US	US
Phone support	Scale only	Plans not stated; Found Plus and up
Live chat	None listed	None listed
Support hours	Not published	Not published
Incidents posted	We found no public status page for Relay Financial.	We found no public status page for Found.
Trustpilot score	4.3 / 5 from 3,805 reviews	4.1 / 5 from 1,774 reviews
Fit: Retail shop	75	35
Fit: Restaurant or café	75	25
Fit: Service business	85	85
Fit: Agency or studio	70	75
Fit: Trades or contractor	85	70
Fit: Online store	70	50
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Bookkeeping and tax estimates built in Free invoicing
Where it falls short	No lending products	Built for one-person businesses No payroll
	Visit Relay	Visit Found

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