Every page i was directed to via email…
Every page i was directed to via email and or text came back broken. "Something went wrong. Please try again later." I tried several times. Nothing!!!!

Relay Financial is a financial technology company that offers an all-in-one business banking and money management platform tailored for small businesses. The platform enables users to gain clear visibility into their cash flow by providing tools for tracking earnings, expenditures, and savings. Relay's services are designed to simplify financial management, making it easier for business owners to implement cash flow strategies such as the "Profit First" methodology. Targeting small to medium-sized enterprises, Relay Financial aims to empower its customers with features that include multiple account setups, no hidden fees, and competitive interest rates on savings accounts. The company partners with Thread Bank to provide banking services, ensuring security and reliability for its users. By focusing on clarity and control in business finances, Relay Financial supports entrepreneurs in making informed financial decisions.
Relay Financial receives a mix of feedback from its users, with many praising the helpful and responsive customer service. Reviewers frequently highlight the professionalism and patience of staff members like Jelly and Katherine, who provide efficient assistance and resolve issues quickly.
The platform is noted for being easy to use, with a smooth setup process and fast services. However, a significant number of customers express frustration over account management issues, including account freezes and difficulties accessing funds. Some users report technical problems with the website, leading to broken links and unresponsive pages. Despite these challenges, many customers appreciate the overall service quality and communication. Overall, Relay Financial is viewed positively, though there are notable concerns regarding account stability and technical reliability.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.1 | 20 | 100% | ● Medium |
Monthly average rating from reviews written by people · latest review Oct 2026.
| Month | Average | Reviews |
|---|---|---|
| Sep 26 | 4.2 | 18 |
| Oct 26 | 3.0 | 2 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 20 most recent reviews.
“Great costumer support, Jelly was very helpful and efficient”
“Relay dropped my account when I tried to activate my business card”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Banks.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.1 out of 5 (good) | 100 out of 100 | 4.3 out of 5 (good) | — | 20 | |
| 4.9 out of 5 (good) | 100 out of 100 | 5.0 out of 5 (good) | +1% | 321 | |
| 1.8 out of 5 (poor) | 100 out of 100 | 1.9 out of 5 (poor) | — | 25 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Relay Financial is #4 of 5 on overall rating in this group. On service, Ben S. Digital Change scores higher (5.0 vs 4.3).
20 reviews of Relay Financial. Filter by what matters to you.
Every page i was directed to via email and or text came back broken. "Something went wrong. Please try again later." I tried several times. Nothing!!!!
Relay dropped my account when I tried to activate my business card. It was odd, but whatever. I had only just started my business, and when relay closed the account there was not a lot of money. So I just opened an account with a legitamate financial institution, and it was water under the bridge. Relay said that they would be sending the remaining balance. It has been over 3 months. I would be less annoyed if I had understood the reason my account was terminated from the start. But now it has been 4 months since the account was terminated for no reason, and Relay kept the money in my account. Update: The check came in the mail. They did finally get the money to me. This was still an extremely frustrating experience and I would recommend not using Relay for any Financial services. They are just way too slow with your money, which is not what you want from a bank.
My business banked with Relay for years and everything was completely fine. They fully verified my non-US status during onboarding and approved my LLC. They knew from day one that I operate internationally and do not have a physical US footprint. Then overnight my situation turned into a complete disaster. With zero prior notice, I woke up to find my account abruptly closed. They completely terminated any possible way for me to access my account or the funds my business desperately depends on. When I tried to reach out to support to understand what happened and how to retrieve my own money, I was met with shocking rudeness and disrespect. Their live chat agent was completely uncooperative and abruptly ended the chat right in my face. Their email support is no better because they just repeatedly copy and paste the exact same canned policy response. The absolute worst part is their refusal to disburse my remaining funds. I offered every legal, feasible, and logical digital solution, such as a simple wire or ACH transfer to my other verified business bank account. Instead, they stubbornly insist on mailing a paper check to a US address they know full well I do not have physical access to. They hide behind a policy they claim was recently updated, basically just saying the policy says no. None of us read the updated terms of service every single day because we naively assume a company this big wouldn't scam us and that the law is protecting us. It turns out Relay has found a dark, twisted loophole to trap and abuse international business owners. These are the very same people they spend millions marketing themselves to as a friendly banking solution. It has been more than two months and my situation is still completely in the dark. The impact on my life and business has been heavy and disastrous. Please, I warn all international users to stay away from Relay as much as possible. Do not trust them with your money.
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Relay bank froze my account the day I deposited my money, they told me they no longer want to work with me and that I should receive my money via check and that it shouldn’t take more than 45 days for that. Well that was August 6th—it’s now September 27th and still no money or response/updates from Relay. I’ve tried emailing them, but they refuse to respond and even blocked my email! They have not sent my money out and have not communicated with me on anything. They are a SCAM and running a very shady business, I will be escalating this matter legally and filling a report against them on the BBB, if you’re looking to bank with them DON’T, run FAR AWAY RELAY IS A SCAM AND WILL WAIT FOR YOU TO DEPOSIT MONEY THEN BLOCK YOUR ACCOUNT WITH NO EXPLANATION. RELAYFI GIVE ME BACK MY MONEY NOW!!!!
Relay Financial is a financial technology company that offers an all-in-one business banking and money management platform tailored for small businesses. The platform enables users to gain clear visibility into their cash flow by providing tools for tracking earnings, expenditures, and savings. Relay's services are designed to simplify financial management, making it easier for business owners to implement cash flow strategies such as the "Profit First" methodology. Targeting small to medium-sized enterprises, Relay Financial aims to empower its customers with features that include multiple account setups, no hidden fees, and competitive interest rates on savings accounts. The company partners with Thread Bank to provide banking services, ensuring security and reliability for its users. By focusing on clarity and control in business finances, Relay Financial supports entrepreneurs in making informed financial decisions.
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