Relay vs Xero
A detailed comparison of Relay and Xero in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Relay
Business banking with collaborative tools and automatic categorization
Relay is a financial and accounting service that provides business banking with collaborative tools and automatic categorization. Founded in 2018 and headquartered in Toronto, Canada, Relay offers 2 pricing plans. It offers a free tier as well as paid plans starting from $30/month. Key features include Business checking, Profit first, Automatic routing, Team access. Relay is a popular choice for users looking for quality finance subscriptions.
Xero
Cloud accounting software for small businesses
Xero is a financial and accounting service that provides cloud accounting software for small businesses. Founded in 2006 and headquartered in Wellington, New Zealand, Xero offers 3 pricing plans. Plans start from $13/month. Key features include Bank reconciliation, Invoicing, Payroll, Projects. Xero is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Relay | Xero |
|---|---|---|
| Starting Price | Free | $13/mo |
| Plans Available | 2 | 3 |
| Year Founded | 2018 | 2006 |
| Headquarters | Toronto, Canada | Wellington, New Zealand |
| Business checking | ||
| Profit first | ||
| Automatic routing | ||
| Team access | ||
| Accounting sync | ||
| Bank reconciliation | ||
| Invoicing | ||
| Payroll | ||
| Projects | ||
| Expenses | ||
| Multi-currency |
Pricing Comparison
Compare all available plans and pricing tiers
Relay Pricing
Xero Pricing
Frequently Asked Questions
Is Relay or Xero better in 2026?
Both Relay and Xero are excellent finance services. Relay offers Business checking and Profit first, while Xero features Bank reconciliation and Invoicing. The best choice depends on your specific needs and budget.
How much does Relay cost compared to Xero?
Relay starts at $30/month, while Xero starts at $13/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Relay and Xero subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Relay and Xero. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Relay, Xero, or both — track all your subscriptions in one place with smart alerts and analytics.