Grasshopper vs Bluevine.
Grasshopper (G72/100) and Bluevine (B70/100), 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 | G Grasshopper №29 · OCC 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank OCC |
| 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 | 4.2 ★ iOS 4.3 · And 4.0 |
| 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 Grasshopper if…
The OCC-chartered US national bank for startups — the structural distinction from Mercury / Brex / Bluevine / Rho is that Grasshopper IS the bank. Direct FDIC cover at the chartered-bank level, multi-bank Cash Sweep extending to $25M. Free business checking with API access. The structural fit for US-incorporated startups wanting a real bank relationship rather than a partner-bank fintech.
- Best for fees Grasshopper won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Bluevine won 2 of 2
Grasshopper vs Bluevine — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than Grasshopper?
Bluevine and Grasshopper are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: Bluevine 70/100 vs Grasshopper 72/100. The right pick depends on which dimension you weight most heavily.
Is Bluevine or Grasshopper cheaper?
Monthly fee — Bluevine: €0; Grasshopper: €0. Card FX markup — Bluevine: 2.00%; Grasshopper: Interbank. Grasshopper 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 Grasshopper?
Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Grasshopper holds a Partner-bank licence under OCC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Bluevine and Grasshopper?
Bluevine operates in 1 country; Grasshopper 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.