Countingup vs Relay: Business Banking Comparison (2026)
Countingup and Relay are business banking platforms with differing feature sets and pricing models. Both offer a free tier and some form of receipt management and payment links, but diverge significantly in other areas.
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
- ✓Free invoicing & payment links
- ✓Receipt capture & storage
- ✓FSCS protection for deposits
- ✓Automatic categorisation
- ✓Financial reporting & insights
- ✓Instant payment notifications
- ✓Real-time tax estimate
- ✓Business loans up to £1 million
- ✓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 Countingup
Choose Countingup if automatic categorization, real-time tax estimates, and business loan access are priorities, and if a unified banking and accounting solution with FSCS protection for deposits is preferred. Countingup also offers free invoicing.
When to choose Relay
Choose Relay if an interest-bearing savings account (1.11% APY), cash back on credit cards (1%), and integrations with accounting software like QuickBooks and Xero are important. Relay also provides bill creation and management, customizable cards with spend policies, and automated follow-ups for payments.
Frequently Asked Questions
AI visibility profiles
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