Found vs Relay: Business Banking Comparison (2026)
Both Found and Relay offer business banking platforms with free tiers. Found emphasizes tax-related features and unlimited free invoicing, while Relay offers interest-bearing savings and cash back on credit cards.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask business banking questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Business banking + Mastercard debit card
- ✓Team debit cards with spending controls
- ✓Up to 10 sub-accounts called Pockets
- ✓Categorize expenses and scan receipts
- ✓Real-time tax estimates
- ✓Pay contractors, collect W-9s, e-file 1099s
- ✓Unlimited free invoicing
- ✓1.11% APY on savings accounts
- ✓1% cash back on credit cards
- ✓Bill creation, intake & management
- ✓Customizable cards with spend policies
- ✓Receipt collection & storage
- ✓Payment request links
- ✓Automated follow ups
- ✓Recurring invoices
When to choose Found
Found is suitable for businesses that need robust tax management features, including real-time tax estimates, W-9 collection, and 1099 e-filing, alongside unlimited free invoicing. It also provides up to 10 sub-accounts for expense categorization.
When to choose Relay
Relay is a strong choice for businesses looking for interest-bearing savings accounts (1.11% APY) and cash back on credit cards (1%). It also offers integrations with accounting software like QuickBooks and Xero, and features for bill management and recurring invoices.