Relay vs Wise Business: which one fits your business?
Side-by-side comparison of Relay and Wise Business — 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 7.8/10).
| Scored on | Relay | Wise Business |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Monthly maintenance | $0 | — |
| Domestic ACH | $0 | — |
| Incoming Wires | $0 | — |
| Outgoing Domestic Wire | $5 (Free with Pro) | — |
| Relay Pro Subscription | $30/mo | — |
| Account Opening | — | $31 |
| Monthly Fee | — | $0 |
| Currency Conversion | — | From 0.43% |
| Receive USD Wires | — | $4.14 |
| Send USD Wires | — | $6.11 |
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.
Wise Business in one paragraph
The most cost-effective way for global-facing small businesses to move money across borders without the typical 3% bank markup.
Skip it if: You only do business within the U.S. and need to deposit physical cash at a branch.
Frequently asked questions
Which is better, Relay or Wise Business?
On our five-axis scorecard, Relay scores higher (8.4/10 vs 7.8/10). 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 Relay?
You handle more than $2,000 in physical cash deposits per month or require immediate in-person teller support.
Who should skip Wise Business?
You only do business within the U.S. and need to deposit physical cash at a branch.