Bluevine — Blue Business Blog

Our Verdict

Choose a process that suits the size of your team and the way your business operates. Keep records consistent, review them regularly and give each person a clear responsibility. When evaluating a new tool, work through a realistic example from beginning to end.

It’s particularly attractive for digital-first companies that want to manage everything online – earning interest, sending invoices, and paying bills from one dashboard.

Pros

Earn up to 3.7% APY on balances
Debit card with up to 4% cash back
Integrates with QuickBooks, Xero, Wave
International payments available
FDIC insured up to $3 million

Cons

Online-only banking (no physical branches)
Limited cash deposit options ($4.95 per deposit via Green Dot)
No joint accounts or multiple debit cards per user
Weekend phone support unavailable

Products & Pricing

*Earn a $500 cash bonus code TAS500 – November 12, 2025 and 11:59:59 PM EST on March 31, 2026 – full T&Cs can be found on Bluevine’s website here

Standard Plan

You can earn a competitive 1.5% APY (Annual Percentage Yield) on balances up to $250,000, allowing your money to grow passively while it sits safely in your account.
Start by listing the tools and user accounts you need today. Compare the regular subscription price with any introductory offer, then check the cost of additional services. A trial is useful for testing your daily workflow before choosing a plan. Review billing terms directly with the provider and allow room for your business to grow.

Plus Plan
Start by listing the tools and user accounts you need today. Compare the regular subscription price with any introductory offer, then check the cost of additional services. A trial is useful for testing your daily workflow before choosing a plan. Review billing terms directly with the provider and allow room for your business to grow.

Start by listing the tools and user accounts you need today. Compare the regular subscription price with any introductory offer, then check the cost of additional services. A trial is useful for testing your daily workflow before choosing a plan. Review billing terms directly with the provider and allow room for your business to grow. Start by listing the tools and user accounts you need today. Compare the regular subscription price with any introductory offer, then check the cost of additional services.

Premier Plan
Start by listing the tools and user accounts you need today. Compare the regular subscription price with any introductory offer, then check the cost of additional services. A trial is useful for testing your daily workflow before choosing a plan. Review billing terms directly with the provider and allow room for your business to grow. Start by listing the tools and user accounts you need today. Compare the regular subscription price with any introductory offer, then check the cost of additional services.
Beyond the generous APY, the Premier Plan offers enhanced operational control through multi-user access and role-based permissions, enabling you to securely delegate financial tasks within your organization.

Bluevine does not currently offer a money-back guarantee, but both the Plus and Premier plans include a 30-day free trial, allowing you to test-drive all the premium features before you commit.

All plans include free access to the Bluevine mobile app, desktop banking dashboard, and integrations with top accounting and payment tools.

Standard

$0 /mo

Plus

$30 /mo

30-Day Free Trial

Premier

$95 /mo

30-Day Free Trial

In-depth review

Features and Functionality

Look for tools that make routine work easier to complete and easier to check. Create a sample invoice, record an expense and explore the reports you use most often.

Look for tools that make routine work easier to complete and easier to check. Create a sample invoice, record an expense and explore the reports you use most often. Ask your team to try the same tasks.

You’ll also find advanced payment tools that make vendor management easy. Send ACH transfers, schedule recurring payments, or have Bluevine mail physical checks directly to suppliers.

Invoicing & Payments

Financing & Credit Options

You’ll need to meet certain requirements, including:

A minimum of six months in business
$40,000 in monthly revenue
A credit score of 625 or higher.

Bluevine also offers Paycheck Protection loans and flexible financing options to help you expand or cover unexpected expenses.

International Payments

Add-ons and Integrations

Connected tools can reduce repeated work across your business. Before enabling a connection, review which records it shares, how often information updates and who can access it. Test the connection with a small set of sample records. Keep a clear process for checking changes and resolving any differences between your systems.

Ease of Use

Consider how your team will learn the software and get help when questions arise. Explore the help centre, check the support channels and look for examples relevant to your business. An effective onboarding process should make everyday tasks clear and give you a reliable way to solve problems as your needs change.

Consider how your team will learn the software and get help when questions arise. Explore the help centre, check the support channels and look for examples relevant to your business.