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Last updated Nov 2025

Relay Vs. Mercury

Compare Relay and Mercury for business banking needs. Relay offers a user-friendly interface, customizable workflows, and advanced automation capabilities. Mercury provides a comprehensive suite of banking services tailored for startups and tech companies. Explore their features to make an informed decision.
Feature Breakdown
Recommended
1

9.5

Visit Relay
1

8.7

Visit Mercury
General Details
Monthly Fee

$0

$0

Accounts Payable Automation

Best-in-class accounting integrations available for $30 per month

Primary Audience

SMBs with 1–100 employees

Startups and growing businesses

Banking Partner

Evolve Bank® & Trust and Thread Bank; Members FDIC

Evolve Bank® & Trust and Choice Financial Group; Members FDIC

Editorial Score
score-ring.svg

9.5

8.7

Credit Card
Fees & Charges
Monthly Fee

$0

$0

Minimum Balance

$0

$0

Overdraft Fees

$0

$0

Savings
Features
Number of Accounts Available

Up to 20 checking accounts

Up to 15 checking accounts

Transactions

Unlimited, fee-free transactions

Unlimited, fee-free transactions

Debit Card

Up to 50 individual debit cards with customizable spending limits

1 card per account

Credit Card
Outgoing Wire Transfers

Domestic: $5 (free with Relay Pro)
International: $10 (free with Relay Pro)

Free domestic and international transfers

Check Deposit
Cash Deposit
Bill Pay
3rd-Party Integrations

QuickBooks, Xero, Gusto, Plaid, and Yodlee

Xero, QuickBooks, and Zapier

Bottom Line

Winner!
1
1
Editorial Score

9.5

8.7

Key Advantages

Relay stands out as the clear winner for small businesses. With its user-friendly interface, customizable workflows, and advanced automation capabilities, it streamlines financial operations and saves valuable time. With Relay’s emphasis on innovation and user experience, it proves to be the ultimate banking solution for small businesses looking to stay ahead in the digital age.

Visit Relay

Mercury shines as a competitive option for startups. Its comprehensive suite of banking services is specifically tailored to meet the unique needs of these businesses. Mercury’s specialized features and offerings provide startups with the necessary tools to manage their finances effectively, making it a strong contender in this comparison.

Visit Mercury