5 best business bank accounts for eCommerce in 2026

Key takeaways

• Only 15% of small businesses and 22% of mid-sized businesses are satisfied with their banks’ merchant services, according to a 2025 report from Capgemini¹. 

• Airwallex, Mercury, Chase Bank, Bluevine, and Revolut offer the best business bank accounts for eCommerce, according to our research.

• When comparing accounts, look for eCommerce-specific features like multi-currency support, online payment acceptance tools, and eCommerce platform integrations. 

The best business bank accounts for eCommerce include Airwallex, Mercury, Chase Bank, Bluevine, and Revolut, based on our research into offerings from dozens of US financial companies. Airwallex is our top-recommended business bank account for its exceptional support for cross-border payments, low foreign exchange (FX) fees, and payment acceptance integrations.

In this guide, we’ll dive deeper into these business bank accounts and explain what makes each of them a great choice for eCommerce. We’ll also highlight what to look for in an eCommerce bank account and help you choose the right one for your online business.

The best business bank accounts for eCommerce

Best overall: Airwallex

Our take: Airwallex is the best business bank account for eCommerce in 2026. Its multi-currency account lets you send invoices and get paid by customers in their currency using many popular payment methods, including credit and debit cards, mobile wallets, and e-wallets. What’s more, Airwallex integrates directly with major online marketplaces like Amazon, Shopify, WooCommerce, and eBay, making it easy to get paid and manage your revenue.

All these features are included with the free ‘Explore’ plan, which also offers corporate debit cards, invoicing tools, and spend management tools. In addition, you can make fee-free payments to vendors and enjoy significantly lower FX fees compared to traditional banks. There’s no minimum deposit required to get started, making Airwallex suitable for eCommerce businesses of all sizes. 

For dropshipping businesses and online stores with complex international supply chains, Airwallex also offers the ‘Grow’ plan for $99 per month. It integrates with popular accounting platforms like Xero, Sage, and NetSuite, supports multi-condition expense approvals, and provides vendor approval workflows. You’ll also be able to manage three global entities from a single account.

Pros

• Get paid like a local in 20+ countries

• Fee-free international payments to 120+ countries

• Avoid forced conversions and save up to 80% on FX fees

Cons

• Advanced expense management features require ‘Grow’ plan

• Moderate fees for SWIFT transfers

Best for low fees: Mercury

Our take: Mercury is a fintech company that offers low fees to eCommerce businesses primarily operating in the US. It offers a completely free business account that includes ACH transfers, wire transfers, and checks. There’s also no minimum deposit required to open business checking and savings accounts with Mercury.

The free plan includes company debit cards, invoicing and expense management tools, and accounting integrations with QuickBooks Online, Xero, and NetSuite. Mercury’s yield product, Treasury, offers up to 3.93% annual percentage yield (APY) with no fee.

While Mercury is a great deal for startups, we don’t recommend it for eCommerce businesses with international customers or vendors. Mercury only supports USD balances and charges a 3% currency exchange fee for international card payments. There’s also a 1% fee for wire transfers in any currency other than USD. Check out our top Mercury alternatives for more global-friendly options.

Pros

• Unlimited free ACH and wire transfers

• Reimburse up to 5 employees at no extra cost

• Supports automated bill pay

Cons

• Treasury requires a $250,000 balance to earn yield

• International fees can add up quickly

• Recurring ACH debits require Mercury Plus subscription

Best for in-person support: Chase

Our take: Chase Bank is the best bank for eCommerce businesses that need in-person banking. It has more than 5,000 branches and 15,000 ATMs – the largest network of any US bank. The Chase Business Complete Checking account lets you make up to 20 in-branch transactions and up to $5,000 in in-branch cash deposits per month without fees. In-person limits are even higher for the Chase Performance Business Checking and Chase Platinum Business Checking accounts.

Chase’s account fees are low compared to other traditional banks, and you have several options to get the monthly fee waived. With the Chase Business Complete Checking account, for example, you can waive the $15 monthly fee if you keep a minimum $2,000 balance, make $2,000 in monthly deposits from a Chase payment solution, make $2,000 in purchases on a Chase for Business credit card, link a Chase Private Client Checking account, or meet Chase Military Banking requirements.

Still, Chase lacks some of the helpful features that fintechs provide, such as invoicing and expense management tools. It also only integrates with QuickBooks, which can be an issue if your business uses a different accounting software.

Pros

• Accept card payments with Chase QuickAccept

• Supports Zelle payments

• Advanced fraud protection features

Cons

• Fee waiver requirements can be confusing

• Expensive wire and international payment fees

• Customer service can be inconsistent

Best for high-yield checking: Bluevine

Our take: If you want to earn yield on your account balance, fintech Bluevine is worth considering. It offers 1.3% APY on balances up to $250,000 with its fee-free Standard plan. With the Premier plan, you can earn 3.0% APY on up to $3 million in balances, making it a best business checking account for eCommerce. The Premier plan costs $95 per month, but the fee is waived with a $100,000 minimum balance and $5,000 monthly debit card spend.

All Bluevine plans include invoicing tools, unlimited transactions, and sub-accounts that you can use to help manage your business. You also get up to a six-month free trial of Xero, which is great if you’re looking for accounting software to accompany your business account.

One thing we like about Bluevine is that it supports online payment links, enabling customers to pay via card, ACH, or digital wallet. Customers can even pay in their own currency. But keep in mind that Bluevine only holds USD. Payments in other currencies are automatically converted, and you’ll pay a fee of $7.50 to $15 per transaction. 

Pros

• Generous yield with all account tiers

• Integrates with Xero, QuickBooks, Wave, and Expensify

• Supports online payments to your business in 39 currencies

Cons

• High balance requirement to waive Premier account fee

• Above-average wire and payment fees

• Limited expense management features

Best for dropshippers: Revolut

Our take: Revolut is a multi-currency business account that lets you hold up to 25 currencies and pay vendors in more than 150 currencies. It also supports multiple linked business accounts, which is helpful if your dropshipping business has entities in different countries. 

All Revolut plans require a monthly fee, ranging from $10 for the Basic plan to $140 for the Scale plan. The Basic plan includes Revolut’s multi-currency support, expense management and invoicing tools, and corporate debit cards, but it doesn’t include fee-free international transfers and only offers $1,000 in currency conversions at interbank rates.

The Scale plan offers 25 free international transfers per month and $80,000 in conversions at interbank rates, making it attractive for businesses that need to pay or receive funds in currencies other than USD. However, unlike Airwallex, Revolut doesn’t offer unlimited discounted conversions. 

Pros

• Integrates with QuickBooks, Xero, NetSuite, Odoo, and more

• Fee-free withdrawals at 55,000+ in-network ATMs

• Easily link multiple Revolut business accounts

Cons

• FX conversions at interbank rates are limited by your plan

• Subscription pricing is relatively expensive

• Basic plan doesn’t include cash flow analytics

Methodology for choosing the best business bank accounts for eCommerce

We dove into business account offerings from dozens of US financial institutions, including major banks, credit unions, and fintech companies. We compared accounts based on minimum balances, monthly account fees, and transactions for US and international payments. We also considered features that growing eCommerce and dropshipping businesses need, such as integrations with major online marketplaces, payment acceptance tools, corporate debit cards, spend management controls, and invoicing tools.

Understanding eCommerce business bank accounts

Let’s take a closer look at how eCommerce bank accounts work and why you might need one. 

What is an eCommerce business bank account?

An eCommerce business bank account is a dedicated financial account designed to meet the needs of online businesses. It enables you to hold your business’s funds, make payments to vendors, track your business’s expenses, and more.

Types of eCommerce business bank accounts

There are several different types of eCommerce business accounts you can use:

• Checking: A checking account holds the funds your business needs daily and allows you to send and receive payments. Some of the best business checking accounts for eCommerce, like Airwallex, let you hold multiple currencies.

• Savings: A business savings account is typically used to hold funds your eCommerce business doesn’t need right away. Most savings accounts offer interest on your balance, but you can’t use the funds to make payments.

• Merchant services accounts: These are specialized accounts used to hold funds from credit or debit card payments. Some payment processors, like PayPal and Stripe, offer them. However, in most cases, you must link this account to a business checking account.

• Specialized eCommerce banking solutions: These accounts offer advanced features for online shopping or international payments. For example, Airwallex integrates directly with online marketplaces like Amazon and Shopify, making it easier for eCommerce businesses to collect payments.

How to choose the best business bank accounts for eCommerce

There’s a lot to consider when comparing business bank accounts for eCommerce. Here are a few key factors specific to running an online business.

• Fees: Review monthly account fees and see if you qualify for waivers. One study found these maintenance fees for business accounts typically run from $10 to $50 per month⁶. Also watch for international transfer fees and FX fees, especially if you need to pay vendors abroad.

• Multi-currency support: Holding multiple currencies in your business account can reduce forced FX conversions and dramatically lower the costs of accepting payments from global customers.

• Online payment acceptance: Some business accounts come with tools to accept e-wallets and other local payment methods, making it easier for customers to pay using their preferred method. 

• eCommerce integrations: Direct integrations between your business account and eCommerce platform enable you to get paid faster and gain deeper insight into revenue.

• Corporate cards: Corporate debit cards make it easier to buy supplies from vendors. Look for accounts that offer cards for you and your employees and that don’t have international transaction fees.

How to apply for a business bank account for eCommerce

Opening a business bank account is easy. Here’s how the process works:

1. Gather documents: You need several documents to open a business bank account, including a government-issued photo ID and your Employer Identification Number (EIN). If your business has multiple owners, you must provide an ID and Social Security number for each owner. Some providers also ask for a business license or incorporation documents.

2. Apply: You can apply online for most business bank accounts. However, if you’re opening an account with a brick-and-mortar bank, you may be required to apply in person.

3. Activate and set up: Once your account is approved, you can deposit funds, order debit cards for your team, and connect to your eCommerce and accounting platforms. 

Alternatives to eCommerce business bank accounts

There are several alternatives to using a business bank account to run your eCommerce business.

• Local credit unions often provide business accounts with low or no fees. They have limited features for payment acceptance or international payments, but can work well if your business is just getting off the ground.

• eCommerce payment processors like Stripe and PayPal offer basic banking features, including the ability to hold balances and pay vendors. If you host your online store with Shopify and collect payments with Shopify Payments, you can also store funds free of fees with Shopify Balance.

Frequently asked questions about the best business bank account for eCommerce

What is the best business bank account for Shopify?

Airwallex is the best business bank account for Shopify as it integrates directly with the eCommerce platform to help you track your sales and get paid in 20+ currencies without forced currency conversions. Other business accounts, including Wise, Bluevine, and Found, focus on checkout or act as payout bank accounts without multi-currency settlement. Traditional banks like Chase or Bank of America generally only connect as payout destinations and don’t offer direct Shopify integrations or eCommerce-specific features.

Do I need a business bank account for eCommerce?

A business bank account isn’t legally required in the U.S. for most sole proprietorships or single-member LLCs, but it’s still very important to have one to avoid mixing your personal and business finances. Corporations are legally required to have a business bank account.

What bank account should I use for a new eCommerce business?

New eCommerce startups, typically defined as those making from $0 to $1 million in annual recurring revenue (ARR)⁷, should look for business bank accounts that charge no monthly fees, require no minimum deposit, and have low or no transfer fees. Good options include Airwallex, Mercury, and Bluevine.

Sources

1. https://www.capgemini.com/insights/research-library/world-payments-report/ 

2. https://mercury.com/business-banking 

3. https://www.chase.com/business/banking-solutions 

4. https://www.bluevine.com/business-checking 

5. https://www.revolut.com/en-US/business/business-account-plans/ 

6. https://www.brex.com/spend-trends/business-banking/business-banking-fees 

7. https://www.bvp.com/atlas/the-founders-playbook-for-scaling-to-1-million-arr

Disclaimer: We wrote this article in Q4 2025. We based the information on our own online research and were not able to manually test each tool or provider. The information is provided for educational purposes only, and a reader should consider the specific requirements of their business when evaluating providers. If you would like to request an update, feel free to contact us at [email protected].