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Last updated: Jun 2026

Mercury Vs. Relay

Compare fees, account setup, spending tools, and everyday business banking features
Feature Breakdown
Recommended
1

9.5

Visit Mercury
1

9.0

Visit Relay
General Details
Overview

Built for online-first companies, offering checking, payments,
and credit tools in one platform.

Focused on cash-flow organisation, with multiple accounts
for budgeting and daily operations.

Built For 

Startups, tech companies, VC-backed and scaling businesses

Small businesses, agencies, cash-flow focused operators

FDIC Coverage

Up to $5M

Up to $3M

Banking Partner

Evolve Bank & Trust® and Choice Financial Group (FDIC members)

Evolve Bank & Trust and Thread Bank (FDIC members)

Editorial Score
score-ring.svg

9.5

9.0

Fees, Credit & Spending
 Wire Transfers

$0 domestic and international USD wires

$5+ domestic / $10 international (free with Pro plan)

Credit & Cashback

1.5% cashback credit

1% cashback credit

APY

Up to 3.80%  (Treasury)

0.9-2.7%  (Savings)

Monthly Fee

$0 (Pro plan: 30$/mo.)

$0 (Pro plan: 30$/mo.)

Features
Credit Card

Charge card 
Bill Pay

Available for Pro plan
Account Type 

Free business checking & savings accounts

Business checking accounts

Advanced Cash Management

Treasury and cash management tools
3rd-Party Integrations

Xero, QuickBooks, and Zapier

QuickBooks, Xero, Gusto, Plaid, and Yodlee

Bottom Line

Winner!
1
1
Editorial Score

9.5

9.0

Key Advantages

Mercury delivers a modern business banking experience with higher APY, $0 USD wire fees, and integrated bill pay and credit tools. It’s built for startups and growing businesses that want low costs, flexibility, and scale.

Visit Mercury

Relay focuses on cash-flow organization and bill automation, making it a solid option for businesses that prioritize budgeting and structured financial workflows.

Visit Relay