Bluevine
US online business checking with interest on balances, plus lines of credit for small businesses.
Updated · AppBreakup editorial · Web, iOS, Android
Is Bluevine free?
Free plan, plus paid plans
- Paid plans:
- Plus $30/month, Premier $95/month
Checked on Bluevine's site Nov 8, 2026
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All 3- Verified facts
- 5 of 5
- Alternatives ranked
- 3
- Approved reviews
- 0
- Visits sent from here
- 0
About Bluevine
Bluevine is a US fintech that offers small businesses an online checking account and financing from one place. The standard checking plan has no monthly fee, no minimum balance, no overdraft fees and free standard ACH transfers, and pays interest if you meet a monthly activity goal; paid Plus and Premier plans raise the rate and cut some payment fees. Deposits sit with partner banks led by Coastal Community Bank, which spreads FDIC insurance up to $3 million per depositor. Bluevine also has bill pay and accounts-payable tools, sub-accounts, team cards and international payments. On the lending side it offers a revolving line of credit and access to term loans through partners, subject to credit approval. It runs on the web and in iOS and Android apps. It suits US-based small businesses and freelancers who want interest on cash without branch visits. Bluevine is not a bank itself, cash deposits go through retail partners, and it isn't available to businesses outside the US.
Best for: US small businesses that want fee-free online checking that earns interest.
Bluevine pricing (checked Nov 8, 2026)
Each line is quoted from Bluevine's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Paid plans | Plus $30/month, Premier $95/month | Nov 8, 2026 | bluevine.com |
| FDIC insurance | Up to $3 million | Nov 8, 2026 | bluevine.com |
| Line of credit | Up to $250,000 | Nov 8, 2026 | bluevine.com |
Pros and cons
What works
- No monthly fee, minimum balance or overdraft fees on the standard plan
- Interest on checking balances
- FDIC coverage up to $3 million through partner banks
- Line of credit available from the same provider
Why people leave
- US businesses only
- Best interest rates need a paid plan
- No branches; cash deposits go through retail partners
Bluevine vs Mercury, Brex and Ramp
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Bluevine | Mercury | Brex | Ramp |
|---|---|---|---|---|
| Pricing | Free plan + paid | Free plan + paid | Free plan + paid | Free plan + paid |
| Verified price | Plus $30/month, Premier $95/month | — | $12 per user/month (Premium) | $15 per user/month plus platform fee (Plus) |
| Free plan | Yes | Yes | Yes, Essentials at $0 per user/month | Yes, $0 per user/month |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android |
Top Bluevine alternatives
See all 3- 1
Mercury68.8US banking built for startups, with strong treasury, API and multi-user controls.
- 2
Brex52.6Corporate cards and business accounts with spend controls for funded, faster-growing companies.
- 3
Ramp51.2Spend-management platform with corporate cards and bill pay, for teams focused on controlling expenses.
Why people left Bluevine
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Bluevine: common questions
What is Bluevine?
Bluevine: US online business checking with interest on balances, plus lines of credit for small businesses. Best for US small businesses that want fee-free online checking that earns interest. Available for Web, iOS and Android.
Is Bluevine free?
Bluevine has a free plan and paid plans.
How much does Bluevine cost?
Bluevine is free with paid plans. Paid plans: Plus $30/month, Premier $95/month; FDIC insurance: Up to $3 million; Line of credit: Up to $250,000. Checked on Bluevine's own site, November 2026.
Is Bluevine open source?
No, Bluevine is not open source.
What platforms does Bluevine run on?
Bluevine is available for Web, iOS and Android.
What are the best alternatives to Bluevine?
The highest-ranked Bluevine alternatives right now are Mercury, Brex and Ramp. See the full ranked list for pricing, platforms and verified facts.
Bluevine vs Mercury: what's the difference?
Both Bluevine and Mercury are free with paid plans. Both run on Web, iOS and Android.