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What is the difference between a Relay Planned-Spend Account and a Relay Card?

When you enroll in Relay, you open two separate but related accounts: i) a Planned-Spend Account, which is an immediate annuity, and ii) a Relay Card account.

The two accounts are related because your Relay Planned-Spend Account generates monthly payouts that are loaded directly onto your Relay Card. Your Relay Card is the card you’ll then use to spend your payouts and earn cashback rewards on all purchases (except when you enter a PIN or make an ACH transfer).

It's important to point out that the balances of your Planned-Spend Account and your current Relay Card balance are two distinct, separate amounts. You can track both the remaining payouts from your Planned-Spend Account and the current balance of your Relay Card account via the Relay mobile app or by logging in at

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