Lili vs Relay: Business Banking Comparison (2026)
Lili offers a free core account with early ACH transfer access and no foreign transaction fees, but charges for advanced features and international transfers. Relay has a free starter plan with a high APY on savings and good accounting features, but more advanced features come at a cost.
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
- ✓Live support, 7 days a week
- ✓Cashback for Pro, Smart, Premium
- ✓Accounting software for Smart, Premium
- ✓Variable APY for Savings Account
- ✓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 Lili
Lili is suitable for businesses seeking a free core checking account with early access to ACH transfers and no foreign transaction fees. It is also beneficial for users who prioritize live support and potential cashback rewards on higher-tier plans.
When to choose Relay
Relay is suitable for businesses that prioritize a high APY on savings accounts and robust accounting features, such as bill creation and management, receipt collection, and recurring invoices. It is also beneficial for users who require integrations with QuickBooks or Xero.