Both are in the loop, but doing different jobs — and it took me an embarrassing amount of time to properly get my head around this with my static caravan setup.
The charge controller is the one calling the shots on charging behaviour — it's deciding the voltage targets, the absorption time, the float level. That's where you programme in your battery profile. My Victron MPPT, for instance, is set to the correct absorption and float voltages for my Fogstar lithium bank.
The BMS is more like a last-resort bouncer. It's watching cell-level voltages, temperature, and current, and if something goes genuinely wrong — a cell running away, overcharge situation — it'll disconnect the battery entirely to protect it. That's its nuclear option.
So in normal operation? Your charge controller is determining when charging is "done." The BMS should barely be getting involved at all. If your BMS is regularly tripping, that's usually a sign your charge controller isn't configured correctly for your battery chemistry — lithium cutoffs set too high, that sort of thing.
Where it gets interesting is with cheaper controllers that don't let you customise voltage profiles properly. Renogy's budget stuff can be a bit limited here. You end up relying on the BMS more than you should, which causes nuisance disconnects.
Ideally these two should complement each other — controller handles the day-to-day charging cycle cleanly, BMS sits quietly in the background as your safety net.
Anyone else found their BMS tripping regularly? Worth sharing what controller you're running alongside it — might help narrow down whether it's a settings issue.