Lili vs Relay: which one fits your business?
Side-by-side comparison of Lili and Relay — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Relay wins on our scorecard (8.2/10 vs 7.3/10).
| Scored on | Lili | Relay |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 8 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Lili Basic Monthly Fee | $0 | — |
| Lili Smart Monthly Fee | $15 | — |
| Cash Deposit Fee | Up to $4.95 | — |
| In-Network ATM Fee | $0 | — |
| Monthly Maintenance Fee | — | $0 |
| Relay Pro Fee | — | $30/mo |
| Domestic Wire (Standard) | — | $5 |
| International Wire (Standard) | — | $10 |
| Minimum Opening Deposit | — | $0 |
Lili in one paragraph
Lili is the premier 'pre-accounting' bank for freelancers who want to automate their tax savings, provided they are willing to pay for a premium tier.
Skip it if: You frequently handle international wire transfers or need a dedicated relationship manager at a physical branch.
Relay in one paragraph
The best choice for business owners who want to automate their budgeting through multiple accounts without getting nickel-and-dimed on monthly fees.
Skip it if: Skip it if you run a cash-heavy retail business or need to deposit large physical checks frequently.
Frequently asked questions
Which is better, Lili or Relay?
On our five-axis scorecard, Relay scores higher (8.2/10 vs 7.3/10). The best choice for business owners who want to automate their budgeting through multiple accounts without getting nickel-and-dimed on monthly fees.
Who should skip Lili?
You frequently handle international wire transfers or need a dedicated relationship manager at a physical branch.
Who should skip Relay?
Skip it if you run a cash-heavy retail business or need to deposit large physical checks frequently.