It depends. The need for an external and optically isolated relay boils down to several things, any one should prompt its use:
- If the alarm contacts inside the NVR or camera are not "dry" relay contacts but instead are a solid state output. The optical isolator portion of the external relay will help protect the solid state output. External inductive loads, like the coil of a relay, can produce back EMF when the coil is switched off and its collapsing field can damage a solid state output.
- If it is desirable to switch something that draws more current than the camera or NVR output can handle.
- If the device to control by the camera or NVR is NOT powered by low DC voltage but is instead typical 120VAC line voltage (called "MAINS" in your area).
For me, $6 or $10 for an external, optically-isolated relay board is a trivial amount to spend to help protect a relay inside a $100 camera or $300 NVR that if damaged even accidentally, could be difficult or close to impossible to repair. I
always recommend using one.