Relay vs Rho

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

Compare	RelayRelay Financial	RhoRho
In one line	Checking with up to 20 accounts for envelope budgeting	Free checking with no-fee wires, cards, and bill pay
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	No monthly or per-user fees; free ACH, same-day ACH, and domestic wires; international payments 1% FX fee + optional $15 SWIFT fee; savings up to 1.00% APY from a $25K balance
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	Puzzle
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people · 51–200 people
Available in	US	US
Phone support	Scale only	Every plan
Live chat	None listed	Every plan
Support hours	Not published	Phone: 24/7 · Email: 24/7 · Live chat: 24/7
Incidents posted	We found no public status page for Relay Financial.	1 incident posted on Rho's status page in the 90 days to Oct 27, 2026; 1 marked major or critical by Rho. Status page
Capterra score	Not listed	5.0 / 5 from 2 reviews (few reviews)
Trustpilot score	4.3 / 5 from 3,805 reviews	4.2 / 5 from 41 reviews
Fit: Retail shop	75	45
Fit: Restaurant or café	75	35
Fit: Service business	85	80
Fit: Agency or studio	70	88
Fit: Trades or contractor	85	50
Fit: Online store	70	82
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Free domestic wires and same-day ACH Cards, bill pay, and expenses in one account
Where it falls short	No lending products	No cash deposits No interest on checking or on savings under $25K
	Visit Relay ↗	Visit Rho ↗

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