Bluevine vs Relay: which one fits your business?
Side-by-side comparison of Bluevine and Relay — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Relay wins on our scorecard (8.4/10 vs 8.1/10).
| Scored on | Bluevine | Relay |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Monthly Maintenance Fee | $0 | — |
| Minimum Opening Deposit | $0 | — |
| Domestic Outgoing Wire | $15 | — |
| Cash Deposit Fee | Up to $4.95 (via Green Dot) | — |
| In-Network ATM Fee | $0 (MoneyPass) | — |
| Monthly maintenance | — | $0 |
| Domestic ACH | — | $0 |
| Incoming Wires | — | $0 |
| Outgoing Domestic Wire | — | $5 (Free with Pro) |
| Relay Pro Subscription | — | $30/mo |
Bluevine in one paragraph
A top-tier choice for digital businesses that want to maximize interest income without the burden of monthly maintenance fees.
Skip it if: Skip it if you handle more than $1,000 in physical cash per week or need immediate in-branch support.
Relay in one paragraph
Relay is the premier choice for small business owners using the Profit First method who need robust sub-account partitioning without the headache of monthly fees.
Skip it if: You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.
Frequently asked questions
Which is better, Bluevine or Relay?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 8.1/10). Relay is the premier choice for small business owners using the Profit First method who need robust sub-account partitioning without the headache of monthly fees.
Who should skip Bluevine?
Skip it if you handle more than $1,000 in physical cash per week or need immediate in-branch support.
Who should skip Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.