Bluevine Fee Calculator
Bluevine's US business checking comes as Standard (no monthly fee), Plus ($30 a month) or Premier ($95), and the higher plans charge less per wire. Enter a month of your banking to see which plan costs least in total.
Bluevine Fee Calculator
Standard $0 · Plus $30 · Premier $95 a month, and the paid plans can be free · standard ACH free on every plan
Every plan, cheapest first
A paid plan's fee is dropped for a month that meets both its balance and its card spending. Other ATMs' own fees, Green Dot cash deposits, card payments you accept and interest on your balance are not included.
Bluevine's plans and how to skip the fee
The waiver is checked each billing period and needs both parts: the average daily balance across your checking account and sub-accounts, and spending on the Bluevine Business Debit Mastercard. Plus and Premier also pay more interest and allow more sub-accounts, and Premier adds priority support.
Bluevine's fees, by plan
A $1,000 international wire in euros costs $40.00 on Standard, $32.50 on Plus, $22.50 on Premier: the plan's flat fee plus its percentage of the amount in dollars. Bluevine says businesses sending $25,000 or more abroad a month may get lower international fees.
Getting paid through Bluevine
Card and wallet payments are processed by Stripe at the same rate on every plan, so they do not change which plan is cheapest.
Three businesses, priced
Plan fee plus every payment fee. Standard suits a business with few wires; meeting a waiver makes Plus the cheaper account for the growing business, and the importer's wires, most of them large and in another currency, make Premier the cheapest.
When a paid plan pays for itself
Plus costs $30 and saves $3 on each domestic wire, so on wires alone it matches Standard at 10 wires a month and comes out ahead from 11. Premier overtakes Plus from 15 wires a month.
International wires in another currency get there faster, because the saving grows with the amount: one wire of about $10,000 a month pays for Plus, and one of about $16,500 pays for Premier against Standard. And in a month that meets a plan's waiver, you pay only its fees, which are never higher than a lower plan's.
Compare before you choose
For other US business accounts, see the Mercury fee calculator and the Slash fee calculator. To see what a wire costs at the big banks, use the wire transfer fee calculator. For payments in another currency, set Bluevine's percentage against Wise Business on the Wise fee calculator. More business platforms are on the fintech calculators page.
Bluevine fees: common questions
How much does Bluevine cost?
Bluevine Business Checking has three plans: Standard with no monthly fee, Plus at $30 a month and Premier at $95. Plus and Premier are free in any month you meet both a balance and a card spending requirement. Standard ACH is free on every plan; wires, same-day ACH, mailed checks beyond the free ones and international wires are charged per use, less on the higher plans.
What are Bluevine’s wire fees?
A domestic wire costs $15 on Standard, $12 on Plus, $7.50 on Premier. Receiving a domestic wire is free. International wires sent in US dollars cost $25 on Standard, $20 on Plus, $12.50 on Premier, and in another currency the same flat fee plus a share of the amount in dollars: $25 + 1.5% on Standard, $20 + 1.25% on Plus, $12.50 + 1% on Premier.
How much is a Bluevine international wire?
In dollars, $25 on Standard, $20 on Plus and $12.50 on Premier. In another currency Bluevine adds a percentage of the amount, so a $1,000 payment in euros costs $40.00 on Standard, $32.50 on Plus, $22.50 on Premier. Receiving an international wire costs $15 on Standard, $12 on Plus, $7.50 on Premier.
How do I avoid the Bluevine monthly fee?
Standard has none. Plus's $30 is dropped for a billing period in which you keep an average daily balance of at least $20,000 and spend at least $2,000 on the Bluevine Business Debit Mastercard. Premier's $95 needs $100,000 and $5,000. You need both, not one.
Does Bluevine charge for ACH transfers?
Standard ACH is free to send and receive on every plan. Same-day ACH costs $10 on Standard, $8 on Plus, $5 on Premier.
Does Bluevine charge for cash deposits and ATMs?
Withdrawals at MoneyPass ATMs are free; elsewhere Bluevine charges $2.50 and the ATM's operator may add its own fee. Cash deposits cost $1 + 0.5% at AllPoint ATMs, so $3.50 on $500, or up to $4.95 through Green Dot, on any plan.
Does Bluevine have overdraft or maintenance fees?
No overdraft or NSF fee and no minimum deposit, on any plan, and Standard has no monthly fee. Bluevine does list a $10 one-time fee after a period of inactivity, $30 for an express debit card replacement, and $30 for each checkbook beyond the free ones.
Is Bluevine Plus worth it?
On domestic wires alone, Plus's $30 matches what it saves at 10 wires a month and comes out ahead from 11. One wire in another currency of about $10,000 or more a month also pays for it. If your balance and card spending meet its waiver, Plus costs only its fees, which are never higher than Standard's.
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Last Updated: Fees read from Bluevine's plans and pricing page, its international payments page and its help-centre fee table on October 18, 2026.