Snapshot
Bluevine and Mercury compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Bluevine figures as of 15 June 2026Mercury figures as of 11 June 2026Last reviewed 25 June 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Bluevine and Mercury suit different businesses. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 15 June 2026 for Bluevine and 11 June 2026 for Mercury.
Bluevine vs Mercury at a glance
| Feature | Bluevine | Mercury |
|---|---|---|
| Account type | Business checking account, with deposit services provided through a partner bank that is a member of the FDIC. | Checking and savings provided through FDIC member partner banks. Mercury is a fintech, not a bank. |
| Who it suits | Small and growing United States businesses that want a no fee checking account with interest on balances and online tools. Not available outside the United States. | United States registered startups and growing companies, including those with founders based abroad, that want a digital first account with no monthly fee on the free plan and modern software. |
| Monthly fee | Standard plan no monthly fee. Plus plan 30 US dollars per month, waivable, and Premier plan 95 US dollars per month, waivable, as of 15 June 2026. | Free plan with no monthly fee. Plus is about 35 US dollars a month and Pro is about 350 US dollars a month, with lower rates if billed annually. As of 11 June 2026. |
| Transaction fees | The standard plan includes core transactions; some services such as certain transfers may carry charges. Verify the current schedule with the provider, as of 15 June 2026. | No monthly fee or overdraft fee on the standard account. Some advanced workflows, such as large volume API payments and certain non US dollar card transactions, can carry fees. As of 11 June 2026. Verify the current rate card with Mercury. |
| FX fees | Bluevine is a domestic United States dollar account. International payment options and any related fees should be confirmed with the provider, as of 15 June 2026. | Sending United States dollars internationally and non US dollar transactions can carry fees that vary by route. Unclear at a single headline rate, so verify with Mercury. |
| Minimum deposit | No large minimum opening deposit is published for the standard plan. Verify with the provider, as of 15 June 2026. | No account minimum and no account opening fee. As of 11 June 2026. Verify with Mercury. |
| Multi currency | This is a US dollar checking account and not a multi currency account, as of 15 June 2026. | Accounts are United States dollar based. International United States dollar payments are supported, and some currency features carry fees. As of 11 June 2026. Verify with Mercury. |
| Integrations | Connects with common accounting and payment tools. Confirm current integrations with the provider. | Accounting integrations including QuickBooks and Xero, an API, bill pay, expense management, and treasury tools. Verify current integrations with Mercury. |
| Eligibility | Open to United States businesses whose owners are at least eighteen and are United States citizens or residents with a valid United States address that is not a PO box, as of 15 June 2026. | Businesses formed and registered in the United States or a United States territory, with United States operations or plans. Founders in many countries can apply, though some regions are not supported. As of 11 June 2026. Verify eligibility with Mercury. |
| Broadly available in | United States only, across all fifty states and the District of Columbia. | The United States. The business must be a United States entity, though founders living in many countries can apply. As of 11 June 2026. |
Use the table to weigh the differences. Bluevine and Mercury tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 15 June 2026 for Bluevine and 11 June 2026 for Mercury. Confirm current terms with the provider before applying.
Read the Bluevine review → Visit Mercury →Questions about Bluevine and Mercury
Which is better for my business, Bluevine or Mercury?
It depends on your needs. The table on this page compares Bluevine and Mercury on account type, fees, currency support, eligibility and availability using each provider's published terms. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both Bluevine and Mercury?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account, for example one for everyday banking and another for currency conversion. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Bluevine figures are shown as of 15 June 2026 and Mercury figures as of 11 June 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 June 2026. Confirm current terms with each provider before applying.