Snapshot
Mercury and Bluevine compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Mercury figures as of 11 October 2026Bluevine figures as of 11 October 2026Last updated 11 October 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.
Mercury and Bluevine are both United States business banking platforms, but they target different customers. Mercury leans toward startups and online companies, while Bluevine focuses on small businesses and offers interest on checking balances. Use the comparison below to weigh account type, fees, eligibility and availability against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 11 October 2026.
Mercury vs Bluevine at a glance
| Feature | Mercury | Bluevine |
|---|---|---|
| Account type | Business banking platform from Mercury. Mercury is a financial technology company, not a bank, with services provided through partner banks and pass through FDIC insurance through those partners. | Business checking from Bluevine. Bluevine is a financial technology company, not a bank, with banking services provided through its partner bank and FDIC insurance through that partner. |
| Who it suits | United States registered companies, often startups and online businesses, that want digital business checking and savings with no monthly fee. | United States small businesses that want online business checking, the option to earn interest, and tiered plans for higher balances. |
| Monthly fee | No monthly fee, no account minimums and no opening fee on the core account. As of 11 October 2026. | The Standard plan has no monthly fee. Plus is 30 United States dollars per month and Premier is 95 United States dollars per month, each with balance and spending conditions that can waive the fee. As of 11 October 2026. Verify with Bluevine. |
| Transaction fees | ACH, domestic wires and international wires sent in United States dollars are free on every plan. Non United States dollar international wires carry a 1% currency exchange fee. As of 11 October 2026. Verify with Mercury. | No overdraft fees, no incoming domestic wire or ACH fees and no in network ATM fees. Outgoing domestic wires cost 15 United States dollars on the Standard plan, less on Plus and Premier. As of 11 October 2026. Verify with Bluevine. |
| FX fees | Mercury charges a 1% currency exchange fee on non United States dollar international wires and a 3% fee on non United States dollar card transactions. As of 11 October 2026. Verify current rates with Mercury. | On the Standard plan, an outgoing international wire costs 25 United States dollars, plus 1.5% when it is sent in a foreign currency. Plus and Premier pay lower rates. As of 11 October 2026. Verify with Bluevine. |
| Minimum deposit | No account minimum and no opening deposit on the core account. As of 11 October 2026. | No minimum balance requirement. Bluevine does not publish an opening deposit figure, so check it with Bluevine. As of 11 October 2026. |
| Interest | Mercury offers yield options on eligible balances through its Treasury feature, with terms that vary. As of 11 October 2026. Verify with Mercury. | Bluevine can pay interest on eligible checking balances up to a stated limit, with conditions that vary by plan. As of 11 October 2026. Verify current rates with Bluevine. |
| Multi currency | The account is United States dollar based. Some currency features exist but Mercury is not a multi currency banking provider. As of 11 October 2026. | United States dollar based. Bluevine is not a multi currency account provider. As of 11 October 2026. |
| Eligibility | Companies formed and registered in the United States or a United States territory, including those founded by people living outside the United States, with an Employer Identification Number and supporting documents. Sole proprietorships are generally not eligible. As of 11 October 2026. Verify with Mercury. | United States registered businesses, generally requiring a tax identification number such as an Employer Identification Number and identification for owners. As of 11 October 2026. Verify with Bluevine. |
| Broadly available in | The United States. The business must be a United States registered entity, though founders may live abroad. As of 11 October 2026. | The United States. As of 11 October 2026. |
Mercury suits a United States LLC or corporation, including one whose founders live abroad, that sends many wires and wants them free. Bluevine suits a United States small business that wants interest on its checking balance, at 1.3% APY on up to 250,000 United States dollars on the Standard plan when the monthly conditions are met. Bluevine charges for outgoing wires, so a business that pays suppliers by wire pays more there.
Open a business account
Both providers accept business customers in their supported markets. Figures shown as of 11 October 2026. Confirm current terms with the provider before applying.
Visit Mercury → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers. Visit Bluevine → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.Questions about Mercury and Bluevine
Which is better for my business, Mercury or Bluevine?
It depends on your needs. The table on this page compares Mercury and Bluevine on account type, fees, interest, 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 Mercury and Bluevine?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account to separate functions or compare features. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded, as of 11 October 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 11 October 2026. Confirm current terms with each provider before applying.