Company Profile
Activity & Volumes
50%
Bluevine offers interest on checking; Relay offers savings. Mercury/Wise: $0 interest by default.
Data sources: public fee schedules and product docs (2024). Always verify latest fees on provider sites.
Providers overview
Mercury Intl-friendly
Free ACH; $5 domestic wire; $20 USD intl wire; foreign currency wires $0 + ~1% FX margin; Integrates QBO/Xero; FDIC via partner banks.
Relay 💸 Savings
Free ACH; $5 domestic wire; $10 intl wire + ~1% FX; Savings APY tiers (1–3% typical); QBO/Xero sync; FDIC via partners.
Bluevine US-only
Free ACH; $15 domestic wire; intl via Wise (~1% + $5); Checking APY up to ~2% with qualifiers; FDIC via partner bank.
Wise Business FX-optimized
Not a bank (safeguarded); low FX ~0.43% + fixed; great for global payouts; ACH available; no interest; $31 one-time to enable USD details.
| Feature | Mercury | Relay | Bluevine | Wise Business |
|---|---|---|---|---|
| Monthly fee | $0 | $0 | $0 | $0 |
| ACH (outgoing) | $0 | $0 | $0 | ~$0–$0.40 |
| Domestic wire (outgoing) | $5 | $5 | $15 | N/A (ACH only) |
| International | $0–$20 + ~1% FX | $10 + ~1% FX | ~$5 + ~1% FX | $4 + ~0.43% FX |
| Interest/APY | None (Treasury optional) | Savings 1–3% typical | Checking up to ~2% | None |
| Supports non‑US founders | Yes (US entity) | Often | US-only | Yes |
| Integrations | QBO, Xero | QBO, Xero | QBO, Xero | QBO, Xero |
| FDIC insured | Yes (partners) | Yes (partners) | Yes (partner bank) | No (safeguarded) |
Your tailored results
Provider
Fit 90/100
Based on your inputs, this option minimizes fees and supports your profile.
$0/mo est.
Net after interest
Assumptions: Free ACH where available; fixed wire fees per provider; FX margin: Mercury/Relay/Bluevine ~1%, Wise ~0.43% + fixed $4. Bluevine checking APY assumed 2.0% up to $250k with conditions; Relay savings baseline 1.0% used. Verify current rates. Wise is not a bank; funds are safeguarded, not FDIC-insured.