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Paid plans start at $30/mo. There's also a free plan.
Bluevine’s Standard plan costs $0 per month and includes unlimited transactions and standard ACH. Plus costs $30 monthly; Premier is $95. The paid plans raise APY and discount most Standard payment fees, but their monthly charges are waived only when stated balance and card-spend thresholds are met. Bluevine lists no annual prices. Watch transaction add-ons: same-day ACH, wires, card acceptance and cash deposits can add charges beyond the plan fee.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Standard | — | $0 | Solo owners and small teams |
| Plus | — | $30 | Growing businesses seeking higher yields |
| Premier | — | $95 | Larger businesses with complex operations |
Add-ons and overages
- Same-day ACH: $10 Standard, $8 Plus, $5 Premier
- Domestic wires: $15 Standard, $12 Plus, $7.50 Premier
- International USD wires: $25 Standard, $20 Plus, $12.50 Premier
- International FX wires: $25 + 1.5%, $20 + 1.25%, or $12.50 + 1.0% by plan
- Printed and mailed checks: $1.50 each on Standard; Plus and Premier include monthly allowances
- Incoming international wires: $15 Standard, $12 Plus, $7.50 Premier
- Online card payments: 2.9% + $0.60; card-on-file: 3.4% + $0.60; Tap to Pay: 2.7% + $0.30
- ACH direct debit payments: 1%
- Green Dot cash deposits: $4.95 per deposit; AllPoint ATM cash deposits: $1 + 0.5% per deposit
02What the plan grid doesn't tell you
Same-day ACH and wires
Same-day ACH costs $10 on Standard, $8 on Plus and $5 on Premier. Domestic wires cost $15, $12 and $7.50, respectively.
Card payment processing
Online card payments cost 2.9% + $0.60; card-on-file costs 3.4% + $0.60. Tap to Pay costs 2.7% + $0.30.
International wire fees
International USD wires cost $25 on Standard, $20 on Plus and $12.50 on Premier. FX wires also add 1.5%, 1.25% or 1.0%, respectively.
Cash deposit charges
Green Dot cash deposits cost $4.95 each. AllPoint ATM cash deposits cost $1 + 0.5% per deposit.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Solo owners and small teams | Standard | It has no monthly fee, unlimited transactions, free standard ACH, up to five sub-accounts and 1.3% APY up to $250,000. |
| Growing businesses seeking higher yields | Plus | It lists 1.75% APY up to $250,000, up to 10 sub-accounts and 20% off most Standard payment fees. |
| Larger businesses with complex operations | Premier | It lists 3.3% APY on all balances, up to 50 sub-accounts and 50% off most Standard payment fees. |
04Is Bluevine worth the money?
Bluevine is worth considering if no monthly fee, basic checking and free invoicing matter more than having a traditional bank relationship. Standard keeps the account fee at $0, while Plus and Premier add higher listed APY, more sub-accounts and payment-fee discounts; the value depends on balances and card spend. The trade-off is a fee schedule with paid transfers and payment acceptance, plus user-reported account issues that temper the offer. Bluevine is a fintech, not a bank; deposits are held through partner banks.
Bluevine pricing FAQ
Is Bluevine trustworthy?
Bluevine is a financial technology company, not a bank. Deposits are FDIC-insured through Coastal Community Bank and program banks, according to the published product information. Bluevine lists two-factor authentication, encryption and real-time text alerts. Those facts do not explain how every account issue is handled, so review the account terms before moving operating cash.
What are the best business bank accounts for LLCs with no fees?
Bluevine Standard has no monthly fee, unlimited transactions and free standard ACH, so it fits the no-monthly-fee question on the listed terms. The pricing information does not state LLC eligibility requirements or compare other providers. Wires, same-day ACH and card acceptance can still cost extra.
How much does Bluevine charge for Tap to Pay?
Bluevine lists Tap to Pay at 2.7% + $0.30 per transaction. That fee is separate from the plan price, so a Standard account can still incur payment-processing costs when accepting Tap to Pay payments. Bluevine says Tap to Pay does not require additional hardware.
Is Bluevine good for small businesses?
Bluevine may suit small businesses seeking $0 monthly checking, free standard ACH, unlimited transactions and online invoicing with unlimited free invoices. Standard lists up to five sub-accounts and 1.3% APY up to $250,000. Businesses using wires, same-day ACH or card payments should factor in those fees.