Interesting, first time I hear about relai. I don't know for you but for me not having a website to manage everything is a deal breaker.

I am not allergic to smartphones and QR codes but if I am forced to use invest in a particular way I didn't choose I simply avoid it.

That being said I didn't test the app, maybe in terms of features it is equivalent, I don't know.

I would still use the one which offers the choice of managing my finance with a computer. This is a very personal choice so it may not help you in doing yours.

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Never used Relai, I agree, I don't like app-only business.

I'm not sure but I suppose they use Pocketbitcoin.com as backend (there is a partnership API available), it is web only.

I didn't know that, it looks pretty good actually, even better than Swan in certain ways. On Swan to make a present it would be by email, but on Pocketbitcoin they use Opendime, it's nice and original!

To be honest I live in Asia so I will use Swan also for this reason, but if you live in Europe, want to promote local services or simply want to try, it looks good (the fees are a little bit higher than Swan but it is still reasonable if you don't have to swap fiat currencies first).