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 7 April 2026Bluevine figures as of 7 April 2026Last reviewed 7 April 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 7 April 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 7 April 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 7 April 2026. Verify with Bluevine. |
| Transaction fees | Standard ACH and United States dollar domestic payments are typically free. Charges can apply to features such as currency exchange and optional faster international payments. As of 7 April 2026. Verify with Mercury. | No overdraft fees, no incoming domestic wire or ACH fees and no in network ATM fees. Some outgoing payment types can carry fees. As of 7 April 2026. Verify with Bluevine. |
| FX fees | Mercury charges for exchanging money in non United States dollar currencies and for non United States dollar card transactions. As of 7 April 2026. Verify current rates with Mercury. | Foreign transactions and international payments can carry fees set by Bluevine. Unclear at a single headline rate, so verify with Bluevine. As of 7 April 2026. |
| Minimum deposit | No account minimum and no opening deposit on the core account. As of 7 April 2026. | No minimum balance requirement and no minimum opening deposit on the Standard plan. As of 7 April 2026. Verify with Bluevine. |
| Interest | Mercury offers yield options on eligible balances through its Treasury feature, with terms that vary. As of 7 April 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 7 April 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 7 April 2026. | United States dollar based. Bluevine is not a multi currency account provider. As of 7 April 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 7 April 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 7 April 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 7 April 2026. | The United States. As of 7 April 2026. |
Mercury and Bluevine are both United States focused platforms, so they differ most on plan structure and interest. Mercury keeps a single no monthly fee account, while Bluevine offers tiered plans and interest on checking. Match those to how your company operates, then confirm the latest fees and eligibility with each provider.
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Both providers accept business customers in their supported markets. Figures shown as of 7 April 2026. Confirm current terms with the provider before applying.
Visit Mercury → Visit Bluevine →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 7 April 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 7 April 2026. Confirm current terms with each provider before applying.