{"app_store_id":1454115640,"slug":"relay-business-banking-1454115640","name":"Relay | Business Banking","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/b7/0b/b9/b70bb97c-5ea7-8c3c-85e0-a4c3635ecf06/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/relay-business-banking/id1454115640?uo=4","price":0,"currency":"USD","rating":4.78946,"rating_count":3724,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-07T14:42:16Z","updated_at":"2026-10-21T18:08:13.146Z","stale":false,"missing_since":null,"one_liner":"Business banking app with up to 20 checking accounts, up to 50 Visa debit cards, invoicing and expense tracking.","verified_maker":false,"maker_site":null,"file_size_bytes":123035648,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/59/b9/df/59b9dfbc-9e96-aa07-5697-a7c52c68ba37/6.9_1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e0/cd/fb/e0cdfb5c-ef91-3a85-0d22-d65258e73762/6.9_2.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3d/2c/ee/3d2cee12-b0f4-375d-204f-25f4a73ace01/6.9_3.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/1c/19/d4/1c19d432-5270-0fa5-883a-e8456b8065a8/6.9_4.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c8/07/0e/c8070ef8-8ff9-e435-e9eb-7cec9303f7fe/6.9_5.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/13/94/cf/1394cfd6-94fb-0611-5659-00d70b127047/6.9_6.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d4/5c/14/d45c144b-8f6f-901d-599e-70fe08b05cff/6.9_7.jpg/320x480bb.jpg"],"developer_name":"Relay Financial Technologies Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/relay-business-banking-1454115640/","api_url":"https://apptierlist.com/api/v1/apps/relay-business-banking-1454115640","schema_version":"1.0","generated_at":"2026-10-23T01:00:21.515Z","data_as_of":"2026-10-22T22:36:28.742Z","description":"Relay is digital banking* built to give self-made business owners the tools and know-how to be great with money.\n\nConnect your accounts, cards, bills, invoices, expenses, funding, and more together in one place with no hidden fees and replace financial guesswork with real visibility.\n\n• Up to 20 checking accounts to organize taxes, payroll, profit, and more.\n• Auto-transfer rules by percentage or dollar amount.\n• Up to 50 Visa® debit cards** with built-in spend controls.\n• Automatic receipt collection and expense categorization.\n• Flexible payment methods, including ACH, wires, and checks.\n• Invoices and payment requests with automated follow-ups.\n\nTrusted by over 150,000 businesses across America. Learn more at relayfi.com\n\n*Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.\n**The Relay Visa® Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.","facts":{"developer_id":1454115639,"developer_url":"http://relayfi.com","first_released":"2020-03-25T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"2.48.0","release_notes":"Check deposits are now faster. When you photograph a check, Relay reads it and fills in the amount and memo automatically. This rolls out gradually after the update, so you may not see it right away. This release also redesigns cards across the app, with new animations and quicker actions like freeze and show details. You can now upload requested documents directly in the app, plus added security checks and a range of smaller fixes.","rating_current_version":4.78946,"rating_count_current_version":3724,"star_counts":null,"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":null,"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-21T18:08:13.146Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-22T03:42:32.721Z","placed_at":"2026-10-18T07:25:12.116Z","scored_at":"2026-10-22T22:36:28.742Z"},"editorial":{"one_liner":"Business banking app with up to 20 checking accounts, up to 50 Visa debit cards, invoicing and expense tracking.","what_is":"Relay is a digital banking app for self-made business owners that connects accounts, cards, bills, invoices, expenses and funding in one place. The listing also describes auto-transfer rules, automatic receipt collection, expense categorization, and invoices with automated follow-ups. Relay describes itself as a financial technology company and not an FDIC-insured bank, with banking services provided by Thread Bank, Member FDIC.","good_for":["Separating taxes, payroll and profit into different checking accounts","Issuing multiple Visa debit cards with built-in spend controls","Sending invoices and payment requests with automated follow-ups"],"pricing":"Relay | Business Banking is free to download on the App Store.","faq":[{"q":"Is Relay a bank?","a":"The listing says Relay is a financial technology company and not an FDIC-insured bank. Banking services are provided by Thread Bank, Member FDIC, which also issues the Relay Visa Debit Card."},{"q":"Does Relay charge hidden fees?","a":"The listing says Relay has no hidden fees. It does not state specific fee amounts in the description provided."},{"q":"How many accounts and cards can I have?","a":"The listing states up to 20 checking accounts and up to 50 Visa debit cards. The Visa debit card may be used anywhere Visa debit cards are accepted."}],"model":"claude-haiku-5-5","created_at":"2026-10-22T03:42:32.721Z"},"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":19,"tier":"A","score":89.6,"components":{"rating":95.8,"votes":75.8,"rank":86.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-18T07:25:12.116Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":193259,"at":"2026-10-22T08:03:12.625Z","kind":"tier_changed","list":"banking","app_store_id":1454115640,"app":"relay-business-banking-1454115640","from":"B","to":"A","reason":"score 87.6 to 89.6","job":"rescore"},{"id":178965,"at":"2026-10-20T00:39:11.537Z","kind":"tier_changed","list":"banking","app_store_id":1454115640,"app":"relay-business-banking-1454115640","from":null,"to":"B","reason":"rank shift: #26, score 87.5, tier full (a quarter of the list)","job":"rescore"},{"id":159126,"at":"2026-10-18T07:25:12.116Z","kind":"membership_added","list":"banking","app_store_id":1454115640,"app":"relay-business-banking-1454115640","from":null,"to":"active","reason":"Digital business banking with up to 20 checking accounts, Visa debit cards, ACH, wires and checks, built for everyday business money management.","job":"shadow"},{"id":154868,"at":"2026-10-18T05:10:12.152Z","kind":"app_added","list":null,"app_store_id":1454115640,"app":"relay-business-banking-1454115640","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":19,"tier":"A","score":89.6,"components":{"rating":95.8,"votes":75.8,"rank":86.6,"recency":100},"ranks":[{"country":"us","rank":10},{"country":"gb","rank":26},{"country":"ca","rank":11},{"country":"au","rank":15},{"country":"de","rank":10}],"verdicts":[{"verdict":"keep","reason":"Digital business banking with up to 20 checking accounts, Visa debit cards, ACH, wires and checks, built for everyday business money management.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-18T07:25:12.116Z","attempts":1,"current":true},{"verdict":"keep","reason":"Relay is a mobile business banking app with checking accounts, debit cards, and transfers, so its core purpose is everyday banking from your phone.","verifier":"list check","decided_at":"2026-10-18T07:25:12.116Z","attempts":1,"current":true}]}]},"data_version":41359,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/relay-business-banking-1454115640/"}}