Which business account is best for a startup?

Mercury for straightforward startup banking, Brex or Ramp once card policy and approvals matter, and Anytime Capital if the startup takes card payments or stablecoins.

Which business account supports stablecoins?

Ramp (Stablecoin Accounts, July 2026), Slash (Global USD account and USDC/USDT ramps) and Anytime Capital (USDC and USDT at checkout to the business's own wallet, to hold, send or sell for dollars). Brex announced USDC payments in 2025 without confirmed general availability; Mercury holds fiat only.

Can a business account accept credit card payments?

Anytime Capital's can, through Anytime Capital Payments at 2.75% + 30¢. Mercury lets invoices take cards through Stripe at Stripe's rates. Brex, Ramp and Slash do not offer card acquiring.

Which business account is best for paying international contractors?

One with local rails rather than only wires. Anytime Capital's local rails in 71+ countries, including SEPA Instant, Faster Payments, PIX, SPEI, UPI and PayNow, plus SWIFT; today it can send USDC or USDT from the business's own wallet the same day. Brex sends free wires to 100+ countries, Ramp to 185+, and Slash charges $25 per international wire.

Is Anytime Capital a bank?

No. Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners.

Roundup

The best business bank accounts for small businesses and startups

The new business accounts are fintech platforms built on partner banks, and each is strongest at something different: Mercury at clean startup banking, Brex and Ramp at spend management, Slash at card-heavy operations and stablecoin dollars. Anytime Capital takes card payments and stablecoins today through Anytime Capital Payments. Here is how the five compare on the things a growing business runs into first.

Anytime Capital
Mercury
Brex
Ramp
Slash

Updated October 2026. Figures from each company's published fees, terms and filings, and the public sources named on this page.

What is the best business bank account for a small business?

It depends on what the account has to do besides hold money. For a startup that wants polished banking and free domestic wires, Mercury. For corporate cards and expense policy at scale, Brex (now part of Capital One) or Ramp, which requires $25,000 in the bank to start. For card-heavy operators and founders outside the US who need dollars, Slash. If the business also needs to take card payments and stablecoins, Anytime Capital does both today: 2.75% + 30¢ card processing and USDC and USDT paid straight to its own wallet. Its business checking, and local rails in 71+ countries.

How we judged them

Getting paid
Whether the account can take card payments itself, or needs a separate processor whose payouts then take days to arrive.
Paying abroad
Local rails land in minutes in the recipient's currency; international wires take days and cost both ends.
Stablecoins and crypto
Whether the account can hold, receive and send digital dollars, and convert other assets, without a separate exchange login.
Fit and eligibility
Plans, minimum balances and who the product is built for, from sole proprietors to multi-entity companies.

Business accounts compared

Provider	Accept card payments	Pay abroad	Stablecoins and crypto	Cards for the team
Anytime Capital	Built in: 2.75% + 30¢; 2.5% + 30¢ for the first 90 days	Local rails in 71+ countries plus SWIFT; USDC and USDT from your business wallet today	USDC and USDT at checkout to your own wallet, to hold, send or sell for dollars; a crypto desk for the business	Physical and virtual cards with limits per person, team or merchant
Mercury	On invoices, through Stripe at Stripe's rates (2.9% + 30¢)	International wires; 1% FX on non-USD wires, 40+ currencies	None; accounts hold fiat only	Debit and credit cards
Brex	No card-acquiring product found	Free wires to 100+ countries; FX rate set by Brex	USDC payments announced Sept 2025; availability not confirmed	Corporate cards with expense policy; local cards in 60+ countries
Ramp	No card-acquiring product found	185+ countries; free international wires on Ramp Banking	Stablecoin Accounts since July 2026: USDC and USDT, no conversion fee	Corporate cards with spend controls
Slash	Invoicing; no card-acquiring product found	180+ countries; $25 per international wire	USDC and USDT ramps; stablecoin-backed Global USD account	Visa charge cards, many per account

From each company's published pricing, support pages and announcements as of October 2026. Where a company's own pages disagree or a launch is announced but not confirmed live, the cell says so.

The picks

1. Best for getting paid, paying abroad and crypto in one account
Anytime Capital
A fintech company, not a bank. Today: Anytime Capital Payments at 2.75% + 30¢ (2.5% + 30¢ for the first 90 days), paid out to your bank, USDC and USDT paid straight to the business's own wallet, and a crypto desk for the business. It does not try to be a full spend-management suite: for complex expense policy across many entities, Brex or Ramp go deeper.
See business checking
2. Best for clean startup banking with free domestic wires
Mercury
Polished US-dollar banking with free ACH and domestic wires, sweep coverage up to $5M across partner banks, and plans at $0, $35 and $350 a month. Non-USD wires carry a 1% FX fee and card payments on invoices run through Stripe at Stripe's rates. It holds no stablecoins; the OCC conditionally approved a Mercury national bank charter in April 2026.
Mercury vs Anytime Capital
3. Best for corporate cards and spend policy at scale
Brex
A Capital One company since April 2026, with corporate cards, expense policy, travel and a business account whose Vault spreads deposits for up to $6M in FDIC coverage. Free wires to 100+ countries, card FX up to 3%. Brex announced USDC payments in September 2025; we could not confirm general availability. No card-acquiring product.
Brex vs Anytime Capital
4. Best for AP automation and spend control
Ramp
Spend management, bill pay and procurement with strong automation, a free plan and Plus at $15 per user per month plus a platform fee. Stablecoin Accounts launched in July 2026 hold USDC and USDT with no conversion fee and rewards of up to 3.25%. It needs $25,000 in a business bank account and does not serve sole proprietors. No card-acquiring product.
Ramp vs Anytime Capital
5. Best for card-heavy operators and non-US founders
Slash
Many cards and sub-accounts for operators who split spend by campaign or client, a $25-a-month Pro plan with free FedNow and RTP, and a stablecoin-backed Global USD account open to businesses in 100+ countries without a US bank account. International wires cost $25 and take 2 to 9 business days. Invoicing, but no card-acquiring product.
Slash vs Anytime Capital

None of these is a bank, and that is normal

Mercury and Slash describe themselves as financial technology companies, not banks, with deposits held at partner banks; Brex's business account is provided by Column N.A., and Ramp's banking services by First Internet Bank of Indiana. Anytime Capital is a fintech company, not a bank, and its banking services are provided by licensed partners. What matters is the protection each account describes, and what the platform does on top.

If you take card payments, count the processor too

Mercury, Brex, Ramp and Slash do not process card payments for you (Mercury routes invoice card payments through Stripe), so a business that sells online pays a separate processor and waits for its payouts. Anytime Capital processes cards at 2.75% + 30¢ ($3.05 on $100) and pays out to the bank account you already have, instant where eligible. Payouts straight into an Anytime Capital business account.

Stablecoins have arrived in business banking

In 2026 this changed quickly. Ramp launched Stablecoin Accounts in July; Slash runs a Global USD account backed by its own stablecoin; Brex announced USDC payments in 2025; Mercury's accounts still hold only fiat. Anytime Capital takes USDC and USDT at checkout straight to the business's own wallet, where it can hold them, send them or sell them for dollars, and its crypto desk buys and sells other assets for the business.

One platform

Everything a business banks on, in one account

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

Save and earn more

Keep more of every sale, and get it the same minute

Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

Fee calculator

Monthly card volume

$50,000

Average sale

Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
PayPal · PayPal Checkout3.49% + 49¢$2,033
Square · Free plan3.3% + 30¢$1,826
Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
Stripe2.9% + 30¢$1,626
Shopify Payments · Basic plan2.9% + 30¢$1,626
Authorize.net · All-in-One plan2.9% + 30¢$1,626
Braintree2.89% + 29¢$1,616
Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
Anytime Capital2.75% + 30¢$1,551
QuickBooks Payments · Invoices and online2.99%$1,495

Saved per year

up to $5,781

vs the highest processor rate above

First 90 days at 2.5% + 30¢

$1,426 instead of $1,551

Claim the launch offer

Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.

0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.

Payouts in local currency

71 countries. 38 currencies. One bank account.

Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.

countries on local rails: 71countries on local rails
currencies: 38currencies
countries with instant rails: 36countries with instant rails

Europe33 countries

AustriaEURInstant
BelgiumEURInstant
BulgariaEURInstant
CroatiaEURInstant
CyprusEURInstant
CzechiaEURInstant
DenmarkEUR · DKKInstant
EstoniaEURInstant
FinlandEURInstant
FranceEURInstant
GermanyEURInstant
GreeceEURInstant
HungaryEURInstant
IcelandEURInstant
IrelandEURInstant
ItalyEURInstant
LatviaEURInstant
LiechtensteinEURInstant
LithuaniaEURInstant
LuxembourgEURInstant
MaltaEURInstant
NetherlandsEURInstant
NorwayEURInstant
PolandEURInstant
PortugalEURInstant
RomaniaEURInstant
SlovakiaEURInstant
SloveniaEURInstant
SpainEURInstant
SwedenEURInstant
SwitzerlandEURInstant
TürkiyeTRYBank transfer
United KingdomGBPInstant

Americas8 countries

BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant

Asia-Pacific11 countries

BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer

Middle East & Africa19 countries

BeninXOFMobile money
BotswanaBWPMobile money
CameroonXAFMobile money
Congo - BrazzavilleXAFMobile money
Côte d’IvoireXOFMobile money
EgyptEGPBank transfer
GhanaGHSBank transfer
IsraelILSBank transfer
KenyaKESMobile money
MalawiMWKMobile money
NigeriaNGNBank transfer
RwandaRWFMobile money
SenegalXOFMobile money
South AfricaZARBank transfer
TanzaniaTZSMobile money
TogoXOFMobile money
UgandaUGXMobile money
United Arab EmiratesAEDBank transfer
ZambiaZMWMobile money

SEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.

Branches

Bank from your phone, or walk into a branch

Real people at real counters in Atlanta, Miami and Houston, for account opening, cash, larger crypto orders and anything you would rather sort out face to face.

All branches

Opening next:Nashville Chicago London Sydney

Launch offer

Open an Anytime Capital business account

A business account, Anytime Capital Payments at 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), employee cards, payouts in 71+ countries and crypto on one balance. Most complete applications are approved the same day.

Open a business account See the business account

2.75% + 30¢ online, 2.5% + 30¢ for 90 days
No monthly, setup or PCI fees
Payouts to your bank, instant where eligible
Live US business team

Questions

Best business bank accounts: FAQ

Where to go next

Other roundups

Important Disclosures

Information about Mercury, Brex, Ramp and Slash is drawn from their published pricing, support and legal pages, press announcements and regulatory filings as of October 2026. Features and prices change; check each company's current terms.
Anytime Capital and the companies named are independent. This page is not endorsed by or affiliated with any of them. Third-party names and trademarks belong to their owners and are used only to identify the companies compared.
This comparison is for information only and is not financial, tax or legal advice.
Cryptocurrency and stablecoin balances are not FDIC insured, are not bank deposits and can lose value.
Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.