Relay vs Wise Business

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

Compare	RelayRelay Financial	Wise BusinessWise
In one line	Checking with up to 20 accounts for envelope budgeting	Multi-currency account for paying and getting paid abroad
Starting price	Free	$31 one-time setup
Six-person team	$0/mo	$31 one-time setup
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	$31 one-time setup fee; no monthly fee; conversion fees vary by currency; ATM withdrawals free up to $250/mo, then $1.95 + 1.95%; volume discount over $25,000/mo
Pricing model	Free	Paid
Free trial	—	—
Users	Unlimited	Multiple
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	Wave, Zoho Books
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US · UK · CA · AU
Phone support	Scale only	Every plan (US)
Live chat	None listed	Not looked up yet
Support hours	Not published	Phone: 24/7
Incidents posted	We found no public status page for Relay Financial.	5 incidents posted on Wise's status page, which covers all Wise products and regions, in the 90 days to Oct 27, 2026; 1 marked major or critical by Wise. Status page
Capterra score	Not listed	3.7 / 5 from 91 reviews
Trustpilot score	4.3 / 5 from 3,805 reviews	Not listed
Fit: Retail shop	75	25
Fit: Restaurant or café	75	15
Fit: Service business	85	45
Fit: Agency or studio	70	65
Fit: Trades or contractor	85	20
Fit: Online store	70	65
Why people pick it	20 accounts for budgeting Cash deposits via ATM	Mid-market exchange rate Local account details abroad
Where it falls short	No lending products	Not a full US bank account; pair it with one Fees on every conversion
	Visit Relay ↗	Visit Wise Business ↗

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