Bluevine
UnclaimedBanking beyond expectations with a powerful business banking platform for growth.
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What is Bluevine?
Bluevine (expense management): Banking beyond expectations with a powerful business banking platform for growth. 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. Key capabilities: Business checking account with up to 3.0% APY, No monthly fees and unlimited transactions for standard plan, FDIC insurance up to $3 million, Business Line of Credit up to $250,000, Business Term Loans up to $500,000 (through partners). Bluevine ships a free plan plus paid tiers that unlock as usage grows. Buyers most often compare Bluevine against Payoneer, AllScale, Paddle.
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
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
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
About Bluevine
By Toolradar Team·
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.
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Bluevine FAQ
What is Bluevine?
Bluevine is a financial technology company that provides a business banking platform offering integrated business checking, lending, and payment solutions. It allows businesses to manage their finances, get working capital, and accept payments all from one platform.
How much does Bluevine cost?
Bluevine offers a Standard checking plan with no monthly fees. Upgraded plans (Plus and Premier) have monthly fees ($30/month and $95/month respectively) but offer higher APY and discounts on certain payment fees. There are also transaction fees for certain services like outgoing wire transfers and credit card processing (e.g., 2.7% + $0.30 for Tap to Pay).
Is Bluevine free?
Yes, Bluevine offers a free Standard business checking plan with no monthly fees, no overdraft fees, free standard ACH, and unlimited transactions. However, there are upgraded paid plans and certain transaction fees may apply.
Who is Bluevine for?
Bluevine is designed for small and medium-sized businesses looking for an integrated banking solution that offers high-yield checking, access to financing, and easy ways to accept customer payments. It's suitable for businesses that prefer digital banking and want to consolidate their financial operations.
Source: bluevine.com