Relay Pro Overview
Relay Pro is the premium tier of Relay's business banking platform, adding same-day ACH transfers, unlimited free domestic wire transfers, and enhanced features for $30 per month. For businesses that frequently send wires or need faster payment processing, Relay Pro eliminates per-transaction costs and accelerates cash flow. But does it offer enough over the free plan to justify the cost? Here's our 2026 review.
Relay Pro builds on Relay's excellent free tier (which includes up to 20 checking accounts, unlimited transactions, and no monthly fees) by adding premium payment features. The key upgrades are same-day ACH processing, unlimited free domestic and international wire transfers, and priority customer support. At $30/month, Relay Pro pays for itself if you send more than 6 domestic wires per month (each would cost $5 on the free plan) or if same-day ACH is important for your business operations. The multi-account feature (20 accounts) is included in both free and Pro tiers.
Fee Breakdown
| Fee Type | Amount |
|---|---|
| Monthly Fee | $30/month |
| Minimum Balance | $0 |
| Domestic Wire (Outgoing) | Free |
| Domestic Wire (Incoming) | Free |
| International Wire (Outgoing) | Free |
| ACH Outgoing | Free |
| Cash Deposits | n/a |
| ATM (Own Network) | Free |
| ATM (Other Networks) | 0 |
| Transactions Included | Unlimited/month |
| Extra Transaction Fee | Free |
| Interest Bearing | No (0% APY) |
Pros & Cons
✅ Pros
- ✓ Same-day ACH transfers — significantly faster payments
- ✓ Unlimited free domestic wire transfers
- ✓ Unlimited free international wire transfers
- ✓ All free-tier features included (20 accounts, unlimited transactions)
- ✓ Priority customer support
- ✓ No minimum balance requirement
- ✓ Unlimited ATM fee reimbursement
- ✓ Integrations with QuickBooks, Xero, Gusto
❌ Cons
- ✗ $30/month fee is not waivable
- ✗ No interest on balances (0% APY)
- ✗ No cash deposit capability
- ✗ Same features as free Relay except payment speed and wires
- ✗ May not be worth it for businesses that rarely wire
- ✗ No corporate card program
- ✗ Still relies on partner bank for FDIC insurance
- ✗ Dashboard is the same as free tier
Who Is Relay Pro Best For?
Relay Pro is ideal for businesses that send frequent wire transfers or need same-day ACH processing. If you're a consulting firm paying contractors via wire, an import/export business with regular international payments, or a real estate company that sends multiple wires monthly, Pro eliminates per-wire fees and saves significant money. If you rarely send wires and standard ACH timing works for you, the free Relay plan offers the same multi-account features without the $30/month cost. The Pro upgrade is purely about payment speed and wire frequency.
Our Verdict
Relay Pro is a straightforward, valuable upgrade for wire-heavy businesses. The unlimited free domestic and international wires alone can save hundreds of dollars monthly for businesses that send frequent transfers. Same-day ACH is a genuine operational advantage for time-sensitive payments. If you send more than 6 wires per month, Relay Pro pays for itself immediately. For everyone else, the free Relay plan remains one of the best no-cost business accounts available.
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How Relay Pro Compares
| Bank | Monthly Fee | APY | Rating | Review |
|---|---|---|---|---|
| Relay Pro | $30/month | 0% | ⭐ 4.3/5 | Review |
| Relay | Free | 0% | ⭐ 4.5/5 | Review |
| Mercury | Free | 0% | ⭐ 4.7/5 | Review |
| Novo | Free | 0% | ⭐ 4.4/5 | Review |
Key Details
Upgraded from free Relay. Same-day ACH. Unlimited wires (domestic free). Better for high-transaction businesses. Cheaper than Bluevine Plus if few wire needs.
Data last verified: 2026-03. Fees and features may change. Always verify current terms on the bank's website before opening an account.