Bluevine vs Found.
Bluevine (B70/100) and Found (F69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Bluevine №35 · FDIC 70 /100 | F Found №39 · FDIC 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 10k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
Pick Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
- Best for fees Found won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Tied
Bluevine vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than Found?
Bluevine and Found are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: Bluevine 70/100 vs Found 69/100. The right pick depends on which dimension you weight most heavily.
Is Bluevine or Found cheaper?
Monthly fee — Bluevine: €0; Found: €0. Card FX markup — Bluevine: 2.00%; Found: 1.00%. Found wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bluevine or Found?
Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Bluevine and Found?
Bluevine operates in 1 country; Found operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.