Relay vs Shine
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Relay and Shine are credible business banking tools, and the right pick comes down to your priorities.
Choose Relay if you want a lower starting price (free – $30/mo), a free plan to start on and a higher overall rating (4.5/5). Business banking for small business.
Shine — Business banking for French freelancers & SMBs.
Relay vs Shine: side by side
| Dimension | Relay | Shine |
|---|---|---|
| Starting price | Free – $30/moWinner | From $7.90/mo |
| Free plan | YesWinner | No |
| Pricing model | Freemium | Subscription |
| Best for | Small Business | Freelancers, Fr Smb |
| Platforms | Web, Ios, Android | Web, Ios, Android |
| Rating | 4.5/5Winner | 4.3/5 |
Relay key facts
- Vendor
- Relay
- Pricing
- Freemium — Free – $30/mo
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Small Business
- Editor rating
- 4.5 / 5
- Founded
- 2018
- Headquarters
- Toronto, Canada
Shine key facts
- Vendor
- Shine (Société Générale)
- Pricing
- Subscription — From $7.90/mo
- Free tier
- No
- Platforms
- Web, Ios, Android
- Best for
- Freelancers, Fr Smb
- Editor rating
- 4.3 / 5
- Founded
- 2017
- Headquarters
- Paris, France
Frequently asked questions
Is Relay better than Shine?
Neither is universally better — Relay edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Relay or Shine cheaper?
Relay is the more affordable of the two to get started, at free – $30/mo. Relay starts at free – $30/mo; Shine starts at from $7.90/mo.
Can Relay replace Shine?
Yes for most teams — both are business banking tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.