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 (8.4/10 vs 7.5/10).
| Scored on | Lili | Relay |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Lili Basic Monthly Fee | $0 | — |
| Lili Smart Monthly Fee | $25 | — |
| Cash Deposit Fee | Up to $4.95 (Retailer dependent) | — |
| Savings APY | Up to 4.15% | — |
| Monthly maintenance | — | $0 |
| Domestic ACH | — | $0 |
| Incoming Wires | — | $0 |
| Outgoing Domestic Wire | — | $5 (Free with Pro) |
| Relay Pro Subscription | — | $30/mo |
Lili in one paragraph
Lili is a powerhouse for the solo entrepreneur who hates taxes, but its value diminishes quickly once you hire your first employee.
Skip it if: You need to grant account access to a bookkeeper or business partner, as Lili is built for solo users.
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, Lili or Relay?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 7.5/10). 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 Lili?
You need to grant account access to a bookkeeper or business partner, as Lili is built for solo users.
Who should skip Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.