Bluevine
UnclaimedBanking beyond expectations with a powerful business banking platform for growth.
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Reviews onG2
3 reviews trackedThe Bottom Line
Entry price
Free plan available, paid tiers above
Biggest pro
High APY on checking balances compared to traditional banks
Biggest con
Bluevine is a financial technology company, not a bank, relying on partner banks for FDIC insurance.
TL;DR - Bluevine
- Integrated business checking, lending, and invoicing in one platform.
- High-yield business checking with up to 3.0% APY and no monthly fees.
- Accept payments easily with invoicing, payment links, and Tap to Pay on your phone.
Pricing: Free plan available
Best for: Growing teams
What is Bluevine?
Bluevine offers a comprehensive business banking platform designed for small and medium-sized businesses. It integrates business checking, lending, and invoicing into a single, easy-to-use platform. The core offering is a business checking account with competitive APY rates (up to 3.0% for upgraded plans), no monthly fees, unlimited transactions, and FDIC insurance up to $3 million through partner banks. This allows businesses to save on banking costs while earning interest on their balances.
Beyond checking, Bluevine provides access to business financing options like lines of credit up to $250,000 and term loans up to $500,000, with a streamlined application process. The platform also simplifies getting paid through professional invoicing, secure payment links powered by Stripe, and an innovative Tap to Pay feature that turns a smartphone into a contactless payment terminal. With features like automated accounts payable, mobile check deposit, team access, and sub-accounts, Bluevine aims to provide all the necessary tools for businesses to manage their finances efficiently and securely, without needing to visit a physical bank.
Available on: Web
Pros & Cons
Pros
- High APY on checking balances compared to traditional banks
- No monthly fees or minimum balance requirements for the standard plan
- Comprehensive suite of financial tools in one platform (checking, lending, payments)
- Innovative Tap to Pay feature eliminates need for extra hardware
- Strong security features including FDIC insurance up to $3 million
Cons
- Bluevine is a financial technology company, not a bank, relying on partner banks for FDIC insurance.
- Higher APY rates and some payment fee discounts require upgraded, paid plans.
- Stripe processing fees apply for Tap to Pay and other card payments.
Ratings Across the Web
4.7(3 reviews)
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
Business checking account with up to 3.0% APYNo monthly fees and unlimited transactions for standard planFDIC insurance up to $3 millionBusiness Line of Credit up to $250,000Business Term Loans up to $500,000 (through partners)Professional invoicing with company logoSecure payment links powered by StripeTap to Pay (phone as card terminal) for contactless payments
Pricing Plans
Pricing checked Jun 15, 2026
Standard
Free
- 1.3% APY for eligible customers
- No monthly fees
- Unlimited transactions
- Free standard ACH
- FDIC insurance up to $3M
Plus
Contact us
- Up to 3.0% APY
- Discounts on most Standard payment fees
Premier
Contact us
- Up to 3.0% APY
- Discounts on most Standard payment fees
Reviews
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Bluevine FAQ
How does Bluevine help businesses manage their finances efficiently?
Bluevine provides a comprehensive platform that integrates business checking, lending, and invoicing into one system. This allows businesses to manage their banking, access financing, and process payments without needing separate tools or physical bank visits.
Which teams would benefit most from using Bluevine?
Small and medium-sized businesses looking for an all-in-one financial management solution would find Bluevine most beneficial. Its features cater to teams needing efficient banking, accessible financing, and streamlined payment processing capabilities.
How does Bluevine's offering compare to Mercury?
Bluevine distinguishes itself from Mercury by offering a broader suite of integrated services including business checking, lending options like lines of credit and term loans, and invoicing with a Tap to Pay feature. It also provides FDIC insurance up to $3 million through partner banks.
What kind of trade-offs should businesses consider when choosing Bluevine?
Businesses should note that Bluevine is a financial technology company, not a bank, and relies on partner banks for FDIC insurance. While a free tier is available, higher APY rates and some payment fee discounts are reserved for upgraded, paid plans, and Stripe processing fees apply for card payments.
How is Bluevine priced?
Bluevine offers a free tier that includes its core business checking account with no monthly fees. For additional features and higher APY rates, users can opt for upgraded, paid plans.
Can businesses accept contactless payments directly through Bluevine?
Yes, Bluevine includes an innovative Tap to Pay feature that allows businesses to turn a smartphone into a contactless payment terminal. This eliminates the need for additional hardware to accept payments.
Does Bluevine provide access to business financing?
Yes, Bluevine offers access to business financing options, including lines of credit up to $250,000 and term loans up to $500,000. These options are available through a streamlined application process within the platform.
Source: bluevine.com