Novo vs Relay
Relay charges $8, $5 or $5 for a US wire on three plans and takes cash free at AllPoint ATMs; Novo has no plans, charges 1.5% for same-day ACH and up to $45 a wire, takes no cash and refunds ATM fees. Enter a month of your banking to see what each would cost.
Novo vs Relay
Novo: no plans, Express ACH 1.5%, US wires up to $45, no cash · Relay: three plans with flat per-payment fees, free cash deposits at AllPoint ATMs
Each account for the month
Each company's published fees. Novo's domestic wire is priced at its fee schedule's ceiling, so a month with wires shows the most Novo would charge. International wires sent are not compared. Novo sends them through its Wise integration, at a fee shown before you confirm. Not in the totals: card spending abroad (Novo adds no fee of its own; Relay names Visa's fee), Relay's interest on savings, and Novo's optional express check deposits.
Novo and Relay fees, side by side
Relay's figures run Starter, Grow, Scale. Novo's same-day ACH is a share of the payment: it costs less than Relay Starter's $1 on payments under $66.67, never less than Grow's $0.50 or Scale's $0, because its minimum is $0.50, and from $1,333.34 it is its $20 cap. For a US wire, Novo publishes only its ceiling, so its exact fee may sit above or below Relay's. On card spending abroad Novo adds nothing, where Relay names Visa's 1% to 2%.
Three businesses, priced
Every fee for the month, with Relay on its cheapest plan and Novo's wires at the ceiling in its fee schedule. The sole trader's month depends on that wire fee: with Novo's ATM refund, Novo costs it less only if its wire fee is under $15.00. The cash shop is the case Novo cannot serve at all, because it does not take cash deposits.
What the fees leave out
Each account on its own
The Novo fee calculator prices a month at Novo with express check deposits too, and the Relay fee calculator finds the cheapest Relay plan for a month. Novo is also set against Bluevine and Mercury, and Relay against Bluevine and Mercury. More business platforms are on the fintech calculators page.
Novo vs Relay: common questions
Is Novo or Relay cheaper?
It depends on the month. Relay publishes its US wire fee, $8, $5 or $5 by plan, where Novo publishes only a ceiling of $45. Relay's same-day ACH costs $1, $0.50 or $0 against Novo's 1.5% (at least $0.50, at most $20), so Novo's costs less than Relay Starter's only on payments under $66.67. Novo charges less at other banks' ATMs, where it refunds up to $7 a month of the owners' fees, and on card spending abroad, where it adds no fee of its own. Only Relay takes cash. Mailed checks, standard ACH and wires received in dollars are free at both.
What do Novo and Relay charge for wires?
Relay charges $8, $5 or $5 for a US wire on Starter, Grow and Scale. Novo's fee schedule says up to $45 and one of its help articles up to $30; Novo shows the exact fee before you send. Receiving a wire in dollars is free at both.
What does same-day ACH cost at Novo and Relay?
Relay charges $1, $0.50 or $0 by plan. Novo's same-day option, Express ACH, costs 1.5% (at least $0.50, at most $20) of the amount, rounded down to the cent: $7.50 on $500. Novo's costs less than Relay Starter's on payments under $66.67, and never less than Grow's or Scale's. Standard ACH is free at both.
Can you deposit cash with Novo or Relay?
Relay takes cash free at AllPoint ATMs, or through Green Dot for up to $4.95 a deposit. Novo does not accept cash deposits; it suggests buying a money order and depositing it as a check.
Do Novo and Relay charge ATM fees?
Neither adds a fee of its own. Relay is free at AllPoint ATMs; elsewhere the ATM's owner may charge, and Relay publishes no refund. Novo has no ATM network and refunds up to $7 a month of what ATM owners charge.
Do Novo and Relay charge monthly fees?
Novo has no plans and no monthly fee. Relay Starter is free; Grow costs $30 and Scale $90 a month (regularly $120, discounted for a limited time), for cheaper wires and same-day ACH among other things.
Do Novo or Relay pay interest?
Relay does, on its savings accounts: 1.19%, 1.87% or 3.21% APY on Starter, Grow and Scale, variable. Novo's fee schedule lists a 0% APY, and Novo offers no savings account.
What do they charge for international payments?
Relay sends international wires itself: $5, $3 or $1.50 for euros, pounds, Canadian or Australian dollars on its Local Network, $25, $22 or $20 by Swift, plus a conversion fee from 1%. Novo sends them through its Wise integration, at a fee shown before you confirm.
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Last Updated: Novo's fees read from its fee schedule on October 18, 2026 and its help centre on October 19, 2026; Relay's from its pricing page and its help centre on October 19, 2026.