Bluevine vs. BILL
Discover how Bluevine compares to BILL, another online banking platform for businesses.
Open accountSmall differences that
make a big impact.
Bluevine is built for businesses like yours, which is why we prioritize what's important to you.
Earn up to 3.0% APY, right in your checking account¹ — no need to move funds.
Get support from real people, over the phone.
Get a complete business checking account with built-in lending and payment acceptance — all in one platform.
See how Bluevine stacks up.
Every business’s needs are unique—and every banking platform has differences that make it stand apart. Take a look at how Bluevine stacks up versus BILL to decide which banking solution is best for your business.
 | BILL | |
|---|---|---|
| APY | Up to 3.0%1 on checking balances | 0% APY — BILL does not offer a business checking or deposit account; no interest earned |
| Account options | 3 plans, with waivable monthly fees of $0, $30, and $95 | Not a bank — BILL offers AP/AR software plans at $49, $65, $89/user/month; Spend & Expense platform is free |
| Cash deposits | Yes, at AllPoint+ and Green Dot locations2 | Not available — BILL is a financial operations platform, not a bank |
| FDIC insurance | Up to $3,000,000 via Coastal Community Bank, Member FDIC3 | Not applicable — BILL does not hold deposits; the BILL Divvy Card is issued by Cross River Bank, Member FDIC, but is not a deposit product |
| Sub-accounts | Up to 20 with dedicated account numbers | Not available — no deposit accounts offered |
| Minimum deposit | None | Not applicable — no deposit accounts |
| Monthly fees | No monthly fees on Standard plan4, waivable $30 fee for Plus plan, and waivable $95 fee for Premier plan | AP/AR plans: $49–$89/user/month (non-waivable); Spend & Expense (Divvy Card): $0/user/month |
| Debit cards | Physical and virtual cards available for the whole team5 | No debit cards — BILL offers the Divvy corporate charge card (credit only, no ATM access) |
| User permissions | Custom permissions available, including accountants6 | 6 standard user roles on Essentials; custom user roles on Corporate and Enterprise plans |
| Mobile check deposits | 97% of checks disbursed same day, can take up to 5 business days | Not available — BILL does not accept check deposits |
| ATM fees | No fees for in-network transactions2 | Not applicable — no debit card or ATM access |
| Fraud protection | Fraud monitoring, card locking, ACH debit controls with Plus plan and positive pay for the Premier plan | Duplicate invoice detection, approval workflows, and vendor verification on AP platform; spend controls on Divvy Card |
| Software integrations | QuickBooks Online7, Expensify, Shopify, Stripe, Xero, and more | QuickBooks Online/Pro/Premier/Enterprise, Xero, Oracle NetSuite, Sage Intacct, Microsoft Dynamics (varies by plan) |
| Financing type(s) | Line of credit, plus term loans and SBA loans through partners8 | Credit lines from $1,000–$5M via BILL Divvy Card (corporate charge card); no line of credit, term loans, or SBA loans |
| Lending amounts | Credit lines up to $250,0008; term loans up to $500,000 through our lending partners9 | Divvy Card credit lines up to $5M (not guaranteed, determined upon application); must be paid in full each billing cycle |
| Repayment terms | Weekly or monthly repayment terms over 3, 6, or 12 months | Charge card balance due in full each billing cycle (weekly, semi-monthly, or monthly); no revolving credit |
| Unlimited invoicing | Yes | Yes, via BILL Accounts Receivable; custom invoicing with single and recurring options (requires $49+/user/month AP/AR plan) |
| Branded invoices | Yes, free | Yes, custom professional invoices (requires paid AP/AR subscription) |
| Payment links | Yes, managed directly in Bluevine dashboard | Not confirmed — customers can pay via ACH or credit card through BILL’s portal, but dedicated shareable payment links not documented |
| Tap to Pay | Yes, accept contactless payments via Tap to Pay | Not available |
| ACH direct debit | Yes, with a 1% fee across all plans (via Stripe)10 | Yes, customers can pay invoices by ACH ($0.59 per transaction) or credit card (2.9%) |
| AP offering | Bill forwarding, auto capture, approval workflows, and scheduling in all plans11 | AI-powered invoice capture, centralized inbox, approval workflows, vendor network of 4M+, procurement with PO matching (starting at $49/user/month) |
| International payments | Up to $25 per transfer, based on plan (+up to 1.5% if non-USD)12 | $19.99 per international USD wire; free for FX wires in local currency (exchange rate applies); 130+ countries supported |
| Domestic outgoing wire fees | Up to $15 per transaction, based on plan13 | Not available via standard bill pay — BILL pays vendors via ACH ($0.59), check ($1.99), or virtual card (free); no domestic wire option documented |
Bluevine is the largest small business banking platform in the U.S.10
10+
years in business
900K+
years in business
$1.8B+
years in business
$16B
years in business
Is Bluevine or BILL better for my business?
If you’re comparing BILL vs. Bluevine, only you can decide which platform is better for your business. The most important distinction is that Bluevine is a banking platform while BILL is primarily a financial operations software company. Bluevine offers a full business checking account where you can earn up to 3.0% APY, deposit checks and cash, use debit cards, and access lines of credit and term loans — all alongside invoicing, payment links, Tap to Pay, and accounts payable. BILL focuses on AP/AR automation, expense management, and corporate charge cards, but does not offer a checking account, FDIC-insured deposits, debit cards, or direct lending. If you need a banking home for your operating cash plus AP and payment acceptance tools in one place, Bluevine may be the better fit. If you already have a bank account and are primarily looking for AP automation software, BILL may meet that need. Read more about Bluevine’s products and services here.
What are the biggest differences between Bluevine and BILL?
In the comparison of BILL vs. Bluevine, the biggest difference is that Bluevine is a banking platform and BILL is not. Bluevine offers a business checking account that earns interest directly on your balance: the Standard plan earns 1.3% APY16 on checking balances that meet activity requirements, while Plus earns 1.75% APY17 and Premier earns 3.0% APY18 after a monthly fee. BILL does not offer any deposit account, so your money must be held at a separate bank.
Another key difference is lending. You can apply for a Bluevine Line of Credit up to $250,000 and term loans up to $500,000 through lending partners. BILL offers credit lines through the Divvy Card, but these are corporate charge cards that must be paid in full each billing cycle — not revolving lines of credit or term loans.
Finally, while both platforms offer accounts payable features, Bluevine bundles AP, invoicing, payment links, and Tap to Pay into your checking account at no additional subscription cost. BILL’s AP/AR platform starts at $49 per user per month on top of any banking fees you pay elsewhere.
What do I need to apply for a Bluevine Business Checking account?
Required documentation may vary slightly depending on what type of entity your business is, but this information broadly falls into three categories:
- Sign-in info: Full name, email address, mobile phone number, and a secure password.
- Business info: Trade name or DBA name, business address and phone number, EIN confirmation letter, annual revenue, entity type, and your industry.
- Personal info (you + anyone owning 25%+ of the business): Home address and phone number, date of birth, SSN, and ownership percentage of the business. We may also ask for the front and back of your driver’s license.
What are the differences between Bluevine Standard, Plus, and Premier?
We currently offer three Bluevine Business Checking plans: Standard, Plus, and Premier. Our Standard plan comes with 1.3% APY,16 no monthly fees, a three-month free membership to Xero,19 and FDIC insurance up to $3 million through Coastal Community Bank, Member FDIC.3 With our Plus plan, you get all the great benefits of our Standard plan, and 1.75% APY,17 20% off most Standard payment fees, six months of Xero, and more for a waivable $30/month fee. Finally, with our Premier plan, you’ll enjoy 3.0% APY18 on all checking balances, 50% off most Standard payment fees, six months of Xero, and access to priority customer support for a waivable $95/month fee.
Are Bluevine accounts FDIC insured?
Yes, Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks.
How can my business be considered for all Bluevine Line of Credit repayment plans?
While being a Bluevine Business Checking customer is not required to apply for a line of credit, if you open a business checking account you’ll be considered for all our weekly and monthly repayment plans.
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Disclaimers
‡ The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
◊ Applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change. Eligibility for the maximum funding amount is available only to applicants with the strongest credit profiles. Offerings and eligibility requirements vary by partner.
1 Premier and Plus plan customers automatically earn annual percentage yield (“APY”) on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Terms of Interest Accrual which is incorporated as a part of the Bluevine Business Checking Account Agreement.
2 A $4.95 per transaction fee is applicable when depositing funds at Green Dot® locations. A fee of $1.00 plus 0.5% of your total deposit amount applies when depositing funds at Allpoint+ ATMs. Bluevine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.
3 Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks. For complete details, please visit https://www.bluevine.com/business-checking/fdic-protection
4 No monthly fee only applies to the Bluevine Business Checking account Standard plan.
5 The Bluevine Business Debit Mastercard is issued by Coastal Community Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
6 Customers and Account Administrators are fully responsible for all activity and actions taken by any Additional User, as well as adherence to all terms and conditions. Bluevine and its partners are not responsible for any Additional User action or activity.
7 QuickBooks and QuickBooks Online are registered trademarks and service marks of Intuit Inc., displayed under license. Coastal Community Bank, Member FDIC is not affiliated with this product.
8 Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Eligibility for the lowest rates is available only to applicants with the strongest credit profiles. Factors include FICO score, time in business, monthly revenue, and payment history. Additional fees apply.
9 Applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change. Eligibility for the maximum funding amount is available only to applicants with the strongest credit profiles. Offerings and eligibility requirements vary by partner.
10 Invoices processed with standard ACH, cash, and other payment forms outside of Stripe are free. Payments processed through your linked Stripe account will incur a fee based on the payment type: credit card, debit card, and digital wallet payments have a 2.9% + $0.60 fee, while ACH direct debit payments have a 1% fee. In-person payments processed via Tap to Pay will incur a fee of 2.7% + $0.30.
11 Payment fees depend on your selected account plan. Check payments sent from your Bluevine dashboard have a $1.50 fee per check. Plus and Premier plans come with a limited number of free check payments. The fee will apply for each additional check payment. Same-day ACH payments have a fee of up to $10, and must be submitted by 2:00pm ET to arrive same-day. Outgoing wires have a fee of up to $15.
12 International payments sent in U.S. dollars come with a fee of up to $25 USD per payment, depending on your selected account plan. For payments sent in a foreign currency, also pay up to 1.5% of payment amount as converted to USD. The only eligible funding method for outgoing international payments is Bluevine Business Checking accounts. Incoming international payments come with a fee of up to $15 USD per payment, depending on your selected account plan. Payments are sent out and received from 8am–5pm ET every business day. Timing may vary based on sender or recipient bank and country, and whether payment is sent during business hours. International payments are available to most businesses, subject to eligibility determined by Bluevine. Exceptions include businesses based in Nevada or in the categories of finance, insurance, or mining.
13 Outgoing wires have a fee of up to $15, depending on your selected account plan.
14 As compared to publicly available data on the number of lifetime customer accounts held by other U.S. banking platforms dedicated to small businesses that offer both checking and lending services, as of January 2026.
15 Customer and lending statistics include Paycheck Protection Program.
16 Standard plan customers will earn 1.3% annual percentage yield (APY) on total balances up to $250,000 for a given month only if they meet at least one Eligibility Requirement during that month’s Eligibility Period as described in the Terms of Interest Accrual. No interest earned on balances over $250,000. The national average and comparison are based on interest rates paid by U.S. depository institutions as calculated by the FDIC.
17 Bluevine Plus customers will earn 1.75% annual percentage yield (“APY”) on total Bluevine Business Checking balances up to $250,000. No interest earned on balances over $250,000. Any interest accrued and payable for an account or sub-account will be paid to your main account.
18 Bluevine Premier customers will earn 3.0% annual percentage yield (“APY”) on total Bluevine Business Checking balances. Any interest accrued and payable for an account or sub-account will be paid to your main account. Enrollment in Bluevine Premier is not required to receive increased FDIC insurance coverage. Customers automatically receive increased FDIC coverage unless they have opted out of the Bluevine Business Checking Account Agreement Sweep Program.
19 Review Xero Trial Promotional Terms.
Bluevine is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. The Bluevine Business Debit Mastercard® and Bluevine Business Cashback Mastercard® are issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Mastercard, Mastercard Easy Savings, Mastercard Airport Concierge, Priceless Surprises and the circles design are registered trademarks and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.
Application is subject to approval. No monthly or maintenance fees. Card Replacement Fees and Wire Transfer Fees may apply.
Banking Services for payments made via ACH or wire from the Bluevine Business Checking Account are provided by Coastal Community Bank, Member FDIC. Money transmission services for International Payments are provided by a third party and are also subject to their applicable terms and conditions.
The Bluevine Line of Credit is issued by Celtic Bank and is serviced by Bluevine. Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Additional fees apply. Other commercial credit products are offered by a variety of Bluevine’s third party partners. Bluevine is not involved in the issuance or servicing of these products. Offerings and eligibility requirements vary by partner.
Certain financing may be made or arranged pursuant to California Financing Law-License No. 6054789.
Payment processing services are provided by Stripe, Inc., N.A. Bluevine Inc. Payment processing services are available to most businesses, subject to eligibility determined by Bluevine.
Tap to Pay is only available on supported devices and may require upgrading to the latest version of the Bluevine app and your phone’s operating system. Some Android devices may not be compatible. Android is a trademark of Google LLC. Tap to Pay on iPhone requires a supported payment app. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. For Tap to Pay on iPhone countries and regions, see here.
All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.
® 2026 Bluevine Inc. All Rights Reserved. “Bluevine” and the Bluevine logo are registered trademarks of Bluevine Inc.