Why startups, small businesses and growth stage companies prefer Mercury over Bluevine
Simpler payments, fewer fees
Automate your accounting
Track your money movements with Mercury Books or integrate with your preferred accounting software.
How Mercury's radically different banking stacks up to Bluevine
Mercury figures reflect current product terms. Bluevine figures come from Bluevine's published fee schedules, as of November 2026. Terms change — confirm current pricing before you decide.
Mercury | Bluevine | Takeaway | |
|---|---|---|---|
Business payments | Standard ACH and incoming domestic wires are free, while same-day ACH and outgoing domestic wire fees vary by plan. International USD wires start at $12.50 with the Premier plan ($95/month - with waiver options), while non-USD wires start at $12.50 plus a 1% markup. | Moving money shouldn’t get more expensive as you use it. Mercury keeps core U.S. money movement free instead of discounting fees based on your subscription tier. | |
FDIC insurance | Up to $3M in FDIC insurance through Coastal Community Bank and program banks. | Mercury provides more room to protect the cash your business runs on. Your operating balance gets more coverage. | |
Accounting & month-end close | Mercury Books brings full double-entry accounting, reconciliation, journal entries, and financial reporting directly into Mercury. | Connects with external accounting software and offers Xero promotions, but does not offer an equivalent native accounting ledger. | Why sync into accounting when accounting already lives here? Mercury Books brings the ledger, reconciliation, and reporting directly into Mercury. |
Payroll | Manage payroll, employee and U.S. contractor payments, tax filings, benefits, and 401(k) plans directly through Mercury, or connect your existing provider, like Gusto, Deel, or ADP. | Bluevine integrates with third-party payroll providers to manage employee payments but doesn’t offer built-in payroll processing. | Run payroll from the same place you run your business. With Mercury, get started faster and plan for each pay period alongside the full view of your finances. |
Banking should do more
Say goodbye to bad design and hidden fees.
Everything you do with money. All in one place.
Why ambitious businesses love Mercury
Banking with traditional banks is such a huge drain on time and energy. We didn’t want to get bogged down in paperwork and process, we just wanted to get to work. Setting up a Mercury account was a no-brainer.
Kelin Carolyn Zhang
Co-founder, Poetry Camera
Compare Mercury plans
Mercury Plus
$29.90 per month
For businesses that need more efficiencies and streamlined invoicing.
Start 30-day free trial
Everything you get with a Mercury account, plus:
Invoice with ACH debit ($1/transaction)
Recurring invoices
Unlimited 1099 tax filings
Priority Support
$50 off eligible LegalZoom Compliance Plans
6 months free Xero
Add ons:
Mercury Pro
$299 per month
For businesses with complex operations that need a relationship manager.
Everything you get with Plus, and more:
Relationship manager
Invoice with ACH debit ($0/transaction)
NetSuite categorizations
Unlimited 1099 tax filings
Priority Support
$50 off eligible LegalZoom Compliance Plans
6 months free Xero