Lili vs Bluevine: Which Is The Top Pick in 2025?

Many businesses look to Lili and Bluevine for their financial management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare, helping you make an informed decision. Additionally, we'll also explore Rho as a third option worth considering.

Lili Overview

Lili operates in the business banking, accounting, payments, and tax preparation sectors. Their main value proposition is integrating these services to support business growth. Lili primarily caters to self-employed individuals, entrepreneurs, partnerships, and scaling businesses, aiming to streamline financial management for these customer types.

Lili Features

Some of the key features of Lili include:

• Business Banking: A business checking account with a Lili Visa® Debit Card, no hidden fees, and no overdraft fees.
• Accounting: Smart bookkeeping, instant transaction categorization, and automated reports for simplified financial management.
• Payments: Bill pay and invoicing software to manage cash flow and streamline payment processes.
• Tax Preparation: Automated tax savings and pre-filled tax forms to ease the tax preparation process.

Lili Pricing

Lili offers a range of subscription tiers to cater to different business needs.

• Lili Premium: $33/month - Premier priority service, advanced business checking, metal debit card with cashback, fee-free ATM, early payment, wire transfers, fee-free overdraft, high-yield savings, multiple teammate access, comprehensive accounting software, and tax preparation software.
• Lili Smart: $21/month - Advanced business checking, debit card with cashback, fee-free ATM, early payment, wire transfers, fee-free overdraft, high-yield savings, multiple teammate access, comprehensive accounting software, and tax preparation software.
• Lili Pro: $9/month - Advanced business checking, debit card with cashback, fee-free ATM, early payment, wire transfers, automatic tax savings, fee-free overdraft, high-yield savings, expense management tools, and reports.
• Lili Basic: $0/month - Business checking, debit card, fee-free ATM, early payment, wire transfers, automatic savings.

The prices for each tier are publicly listed.

Drawbacks To Lili

General user reviews of Lili highlight its ease of use and helpful features, but some users have specific complaints.

• "Check capture can be tricky on some checks and I wish it connected to Zelle but otherwise I love how sleek it is to use." - Holly S. - Mom Brain Marketing
• "I like the ease of banking with Lili. Finds availability is good as is the designation of each expenditure." - Kathryn Treadway

For more details, visit the Lili Reviews page.

Bluevine Overview

Bluevine operates in the business banking solutions category, offering a platform designed for small businesses, self-employed individuals, and startups. Their main value proposition lies in providing lower fees, seamless money movement, and access to working capital, all integrated into a single, user-friendly platform.

Bluevine Features

Some of the key features of Bluevine include:

• Business Checking: High-yield interest rates, no monthly or overdraft fees, and free standard ACH transfers.
• Business Loans: Line of credit up to $250,000 and term loans up to $500,000 with predictable repayment terms.
• Credit Card: Unlimited 1.5% cash back on all business purchases with no annual fee and advanced security features.
• Security Features: Two-factor authentication, data encryption, and text alerts for suspicious activity.

Bluevine Pricing

Bluevine offers subscription tiers for their business checking accounts.

• Standard Plan: $0/month - 1.5% APY on balances up to $250K, up to 5 sub-accounts, FDIC insurance up to $3M, free standard ACH, unlimited transactions, ACH debit block.
• Plus Plan: $30/month (waivable) - 2.7% APY on balances up to $250K, up to 10 sub-accounts, 20% off most Standard payment fees, 5 free printed and mailed checks per month, ACH positive pay, 6 months free Xero subscription.
• Premier Plan: $95/month (waivable) - 3.7% APY on balances up to $3M, up to 20 sub-accounts, 50% off most Standard payment fees, 20 free printed and mailed checks per month, ACH positive pay, priority customer support, access to treasury services, 6 months free Xero subscription.

Drawbacks To Bluevine

The overall consensus from the reviews is positive, with Bluevine receiving an average rating of 4.5 out of 5 stars. Users appreciate the ease of use, the ability to earn interest on business checking accounts, and the convenience of mobile check deposits. However, there are minor issues mentioned, such as technical difficulties with mobile check deposits for non-admin users and the inconvenience caused by changes in partnered banks.

• "After starting our own business during covid, we were trying to keep our heads above water. For the first year, business was going well, but then we got an email that our business bank had been acquired and they were going to close their doors. Our livelihood was on the line at that moment, and we were frantic. We did some research, and we found BlueVine. BlueVine Stepped up and came to our aid in our time of need. They were quick and made the process of transferring our funds very easy. We have used them for over a year now, and we won't be changing banks any time soon. BlueVine offers a simple banking solution, and we can even pay our independent contractors with its Payee features. Their interface is excellent, and we even earn interest every month." - Connor F.
• "They recently switched banks that they are partnered with which resulted in routing numbers being changed and needing to be updated in all connected services. This was done on the first of the month which was inconvenient to time with receiving and making payments that are business critical." - Verified User

For more details, visit the Bluevine Reviews on G2 page.

What to Know Before Picking Lili or Bluevine

Looking at the reviews as a whole, businesses using Lili often face limitations with check capture and the inability to deposit cash or checks through ATMs. Additionally, the lack of integration with Zelle and the need for more robust invoicing software are common concerns.

For Bluevine, technical difficulties with mobile check deposits for non-admin users and disruptions caused by changes in partner banks are frequently mentioned issues. These challenges can affect the smooth operation of business transactions and require additional administrative effort.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with Lili and Bluevine, such as check capture issues and disruptions from partner bank changes. Our platform addresses these pain points by offering seamless integration, reliable check deposits, and consistent banking services, ensuring smoother financial management for your business.

Rho Features

• Expense Management: Our platform eliminates the need for manual expense reports and captures every receipt, saving businesses time and reducing errors.
• AP Automation: Pay hundreds of vendors in minutes with zero platform fees, addressing the inefficiencies in vendor payments that many businesses face.
• Corporate Credit Cards: Real-time spend monitoring and custom card controls help prevent non-compliant spending, ensuring better financial oversight.
• Treasury Management: Safeguard idle cash and earn yield, providing a financial advantage that may not be available with other platforms.
• Integration Capabilities: Seamlessly integrate with accounting, HR, and T&E software, enhancing overall financial management and reducing administrative burden.
• 24/7 Private Banking Support: Access to round-the-clock support ensures that businesses can resolve issues promptly, minimizing downtime and disruptions.

Rho Pricing

We offer a straightforward and cost-effective pricing structure that sets us apart from competitors like Lili and Bluevine. Our focus is on providing essential services at zero cost, making it simple for businesses to manage their finances without worrying about hidden fees.

• Same-Day ACH fees: $0 - No charge for same-day ACH transactions.
• Wire fees: $0 - No charge for wire transfers, with some exceptions for international wires.
• Monthly plans: $0 - No monthly subscription fees for accessing our services.
• Support fees: $0 - Free live support from Day 1 without any additional charges.
• Subscription fees: $0 - No subscription fees for using our platform.
• Checking account minimum fees: $0 - No minimum balance fees for checking accounts.
• Connected, in-platform capabilities: $0 - Free access to AP, Expense, and Accounting Automation features.
• Per-user fees: $0 - No fees per user for accessing the platform.
• Foreign currency transfer: 1% - A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

• "Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Sean F. (Chief Financial Officer, Mid-Market)
• "The company implementation of Rho was easy and took less than 2 hours." - Tyler M. (Chief Financial Officer, Small-Business)
• "We sync with QuickBooks Online seamlessly, which has saved the finance department 60 hours per month." - Kevin K. (Director of Marketing and Analytics, Mid-Market)

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Lili, Bluevine, and Rho—has its strengths, catering to different business needs. Lili excels in tax preparation and accounting, while Bluevine offers high-yield interest rates and robust loan options. However, both have limitations like check capture issues and disruptions from partner bank changes.

This is where Rho comes in. We provide seamless integration, reliable check deposits, and consistent banking services. Our platform eliminates manual expense reports, offers zero platform fees for vendor payments, and provides 24/7 private banking support, ensuring smoother financial management for your business.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can streamline your financial management. Get started with Rho today.