Bluevine vs Mercury.
Bluevine (B70/100) and Mercury (M70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Mercury leads Bluevine 4-1.
| B Bluevine №35 · FDIC 70 /100 | M Mercury №32 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 71 /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 | Yes |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 10k reviews | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.5 |
| 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 Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
- Best for fees Mercury won 1 of 4
- Best for protection Tied
- Best for reach Mercury won 1 of 3
- Best for ux Tied
Bluevine vs Mercury — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than Mercury?
Under our v3 methodology, Mercury leads Bluevine 4–1 across 12 dimensions. Composite scores: Bluevine 70/100 vs Mercury 70/100. Mercury is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bluevine or Mercury cheaper?
Monthly fee — Bluevine: €0; Mercury: €0. Card FX markup — Bluevine: 2.00%; Mercury: 1.00%. Mercury 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 Mercury?
Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Mercury 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 Mercury?
Bluevine operates in 1 country; Mercury 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.