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Bluevine

Bluevine

Bluevine

4.3K ratings
198 reviews
💰 Finance
Free

Details

Released
January 27, 2020
Updated
October 25, 2026

Features

Developer

Bluevine Capital
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About

This app offers a digital banking experience for businesses, allowing users to manage cash flow, pay bills, and deposit checks from their phones. It provides features like earning interest on balances, no monthly fees, and the ability to create multiple sub-accounts for budgeting.

✓Digital business checking account
✓Manage cash flow and transactions
✓Pay bills and deposit checks
✓Earn competitive interest on balances
✓No monthly or overdraft fees
✓Create up to 20 sub-accounts for budgeting
✓FDIC insured up to $3,000,000
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What users say about Bluevine

Reviews of Bluevine are mostly negative: the Finance app is rated 4.7/5 from 4.3K App Store ratings. What users like most: great for small businesses, instant access to funds. Top complaints: frequent app crashes and login issues, slow check deposit processing. Summarized from real user reviews.

Positive things

  • 💡Great for small businesses
  • 🚀Instant access to funds
  • 🤑Good interest rates

Negative things

  • 🐛Frequent app crashes and login issues
  • ⏱️Slow check deposit processing
  • 🤖Poor customer service and support
  • 🔒Security concerns and account freezes
  • 💸Unexpected fees and hold on funds
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What's New in Bluevine

10.87.0

October 25, 2026

- Bug fixes

User reviews

Most RecentHighest RatedLowest Rated

Not impressed

I mean, it’s a banking app, does the same stuff all the others do but for some reason takes them twice as long. Drives me crazy how long it takes for them to release money that I’m trying to transfer to my personal bank account. I’ll be going elsewhere soon
SStopBeingLazy

One of the worst baking experiences

This is one of the worst banking experiences I’ve had. I used a line of credit and linked an external account that I wanted to make payments on this line of credit with. Apparently you can’t do that and they dinged my personal credit for failure to pay even though I had a fully funded account linked to my Bluevine account which. It’s very difficult to get someone on the phone to work this out. Most of the company relies heavy on AI chat bots and they all try to tell you the same thing. I tried just paying this line of credit in full but they literally wouldn’t take my money unless I transferred money into the Bluevine account. Ok I guess I will do that even though I was told otherwise. Wouldn’t have been a problem if I was told that from their AI chatbots from the beginning instead I was lead in the wrong direction multiple times and given the run-around.
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Jjk.kuhns

Reliable banking app

I want to see this banking app and their online system provides a simple and seamless experience. The good thing is since I have a business checking, I can also collect credit card payment using my blue wine app. It’s invoicing and payment system is very nice.
CChandru777

Good luck trying to take your money out

Every time I use the app and try to transfer money to my other bank account I have a problem. It doesn’t show my external account and then when I go to add it, it says this account is already added, but it won’t allow me to transfer the money. Total waste of time !
A3A Jetson 33

“Smooth Experience”.

The Easiest Account Setup I've Ever Had.
 I highly recommend them for anyone looking for a reliable and hassle-free banking experience!"
MSMedial Stanley
See 193 more reviews

User experience

🐞

Reported Bugs

3 issues

Mobile check deposit failures

Bug

Inconsistent app performance

Bug

Account access and login problems

Bug
✨

Requested Features

4 requests

Faster check deposit processing

Feature

Improved customer support and communication

Feature

Seamless integration with other financial apps

Feature

Expanded deposit and withdrawal options

Feature

FAQ

What does the Bluevine app do?

The Bluevine app provides a digital banking experience for businesses. It allows users to manage their cash flow, pay bills, track transactions, and deposit checks directly from their mobile devices. It's designed for a simple, all-in-one digital banking solution.

What are the key features of Bluevine Business Checking?

Key features include earning competitive interest on balances, no monthly fees or overdraft fees, and the ability to create up to 20 sub-accounts for budgeting. Users can also bank from anywhere, deposit checks, transfer funds, and pay bills via the app, with access to 37,000+ MoneyPass locations for deposits and withdrawals.

Is Bluevine Business Checking free to use?

The app itself is free to download and use. The description highlights 'NO MONTHLY FEES' for the checking account, meaning there are no monthly service charges or overdraft fees. There are also no minimum opening deposit or balance requirements.

What are the security features of Bluevine?

Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank and their program banks. The app employs industry-leading security protocols to protect user accounts, including the ability to instantly lock a debit card if it's lost or misplaced.

Who is Bluevine Business Checking designed for?

This app is thoughtfully designed for businesses, particularly small businesses, looking for a simple, all-in-one digital banking experience. It helps users manage their finances, budget effectively with multiple accounts, and conduct banking transactions conveniently from their phones.