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Relay review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Relay suits business owners who want a debit card that pays cashback of 1% and issues virtual card numbers to split out software and subscription spending. The catch is that it is built for business accounts only, so household banking is not its job.

Key facts

Best for
A business card with cashback and virtual card numbers for online spend.
Monthly fee
$0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
1% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Relay Financial Technologies Inc. (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Virtual card
Audience
Business
Official website
relayfi.com

Credit cards

Legal entity
Relay Financial Technologies Inc. (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Virtual card
Audience
Business

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXTrustpilotrelayfi.com

Pros and cons

Pros

  • A debit card on the Visa network, plus virtual card numbers to keep online and subscription spend apart
  • Support runs by email, phone and help centre, so phone and email cover you when a payment is blocked
  • Built around business money, so the account and its limits suit company spending

Cons

  • It serves business accounts only, so a personal current account is a poor fit
  • Help runs on email, phone and help centre with no live chat, so quick questions go by phone or email
  • The reward side is a single cashback rate of 1%, a modest return on heavy spend
Relay

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Scored 8.9 / 10 by DebitCue.

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Who it suits

  • Sole traders and small companies that want spending cashback alongside a virtual card for subscriptions
  • Businesses paying many small software and hosting bills who can put a separate card number on each
  • Accountants and bookkeepers who handle company cards and want support by phone and email

Who should look elsewhere

  • Household banking, where Starling Personal Account Debit Card is the personal account in this group at a monthly fee of £0
  • Anyone who wants a personal account rather than company money: Wise charges a monthly fee of £0

The company behind it

The card comes from Relay Financial Technologies Inc., founded in 2018, so it is a newer financial technology operation rather than a high street bank. Getting help runs on email, phone and help centre, which means phone and email sit alongside a help centre for anyone setting up a business account or sorting out a blocked payment.

How Relay compares

Frequently asked questions

How much does a Relay account cost each month?+

The monthly fee is $0, and the card pays cashback of 1% on what you spend. Relay sits at 1 of 419 brands on DebitCue's monthly fee ranking, with an overall score of 6.

Is the Relay card a debit card, and which network does it use?+

The card type is debit, so spending comes straight out of the balance in the account rather than a credit line. The network is visa, the most common one in DebitCue's list at 58.6% of cards.

Does Relay offer virtual cards, and what are they useful for?+

A virtual card is one of the listed features, so you can give an online shop a number that is separate from your main card and cancel it on its own. Software and subscription spending is the obvious use. The card you hold stays debit on the visa network.

Who can open a Relay account?+

Relay is aimed at business users, and the material it publishes is written for accountants and business owners. If you want a personal current account instead, Starling Personal Account Debit Card at a monthly fee of £0 is the personal option in this group.

How do I get help if a payment is blocked?+

Support runs on email, phone and help centre, so you can call or email, or search the help centre. Phone is the quickest route for business users dealing with a payment that will not go through, and live chat is not among the support channels.

How does Relay's cost compare with the other cards here?+

Wise charges a monthly fee of £0 and Bitpanda a monthly fee of €0, so holding costs are similar across the group. The difference is purpose: Relay is built for business accounts, and DebitCue scores its cost side at 6.

Does Relay pay any rewards on spending?+

Yes, cashback is part of the deal at a rate of 1% on what you spend. Cashback is the most common reward type in DebitCue's list of cards, at 49.5%, so treat it as a standard perk for business spending rather than a standout offer.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Relay

Relay

A business card with cashback and virtual card numbers for online spend.

8.9/10See alternatives