Relay vs Lili

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.
Lili: Free core account.

Compare	RelayRelay Financial	LiliLili
In one line	Checking with up to 20 accounts for envelope budgeting	Business checking with accounting and invoicing on the paid plans
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	Core $0/mo; Pro $15/mo; Smart $35/mo (accounting, invoicing); Premium $55/mo; intro discounts for 3 months
Pricing model	Free	Free tier
Free trial	—	—
Users	Unlimited	1 owner
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	No others on record50+ listed by the vendor
Team size	Just me · 2–10 people · 11–50 people	Just me
Available in	US	US
Phone support	Scale only	Plans not stated
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 Lili.
Trustpilot score	4.3 / 5 from 3,805 reviews	4.7 / 5 from 4,481 reviews
Fit: Retail shop	75	40
Fit: Restaurant or café	75	30
Fit: Service business	85	82
Fit: Agency or studio	70	72
Fit: Trades or contractor	85	72
Fit: Online store	70	55
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Free core account Books and invoices in the banking app
Where it falls short	No lending products	Paid tiers add up Thin for teams
	Visit Relay	Visit Lili

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