Loved by 450K+ ambitious companies
Why startup and growth-stage companies prefer Mercury over Bank of America
One system for banking and finance operations
Manage your accounts, cards, spending, invoicing, bill pay, accounting, and financing — all from one Mercury platform.
Spend management that goes beyond cards
Issue cards to your team and agents, set budgets and spend controls, and track spending in one place.
Accounting that does more than suggest coding
Mercury Books brings double-entry accounting, reconciliations, and financial statements together with your money in one place.
Simpler payments, fewer fees
How Mercury's radically different banking stacks up to Bank of America
Mercury figures reflect current product terms. Bank of America figures come from Bank of America's published fee schedules, as of November 2026. Terms change — confirm current pricing before you decide.
Mercury | Bank of America | Takeaway | |
|---|---|---|---|
Accounting & month-end close | Mercury offers Xero and QuickBooks integrations alongside Mercury Books, a native accounting product — so wherever you do accounting, it's seamless and easy. | Connects Business Advantage 360 to external accounting tools such as QuickBooks rather than providing an equivalent native accounting ledger. | Why sync into accounting when accounting already lives here? Mercury puts the ledger alongside the money it accounts for. |
Native payroll | Mercury Payroll handles W-2 and U.S. contractor payroll, tax filings, state registrations, benefits, and 401(k) integrations directly from your Mercury account, with additional third-party payroll integrations available. | Offers payroll through third-party providers like ADP and QuickBooks Payroll, rather than directly. | Payroll, right where your money lives. Mercury brings payroll and financial management together in one place. |
Business payments | Free ACH, domestic wires, eligible real-time payments, checks, and USD international wires. Send international wires in 40+ currencies with a flat 1% currency exchange fee on the USD amount. | Transaction fees depend on the method, speed, and your account or rewards tier. | More ways to move money. Fewer fees. Send payments through Mercury with no per-transfer fees on ACH and USD wires. |
Spend management | Mercury Spend combines team cards, budgets, reimbursements, policies, receipt collection, approvals, and granular permissions. | Offers employee debit and credit cards with configurable card limits and account-access controls, but not an equivalent native spend-management system. | More than giving employees a card. Mercury gives teams the controls, budgets, policies, and expense management around every purchase. |
Agentic banking | Mercury Command, API, CLI, and MCP let teams and agents query financial data, automate tasks, create invoices, categorize transactions, and request supported financial actions. | Bank of America offers APIs through CashPro Developer Studio, but does not advertise an equivalent small-business combination of native CLI, MCP, and customer-facing agentic financial actions. | Your financial system should work with your software — and your agents. Mercury gives builders more ways to program, automate, and act on financial data. |
Banking redesigned from the ground up.
Go beyond traditional banking with free checking and savings accounts, virtual cards, and more.
Everything you do with money. All in one place.
Compare Mercury plans
Mercury Plus
$29.90 per month
For businesses that need more efficiencies and streamlined invoicing.
Start 30-day free trial
Everything you get with a Mercury account, plus:
Invoice with ACH debit ($1/transaction)
Recurring invoices
Unlimited 1099 tax filings
Priority Support
$50 off eligible LegalZoom Compliance Plans
6 months free Xero
Add ons:
Mercury Pro
$299 per month
For businesses with complex operations that need a relationship manager.
Everything you get with Plus, and more:
Relationship manager
Invoice with ACH debit ($0/transaction)
NetSuite categorizations
Unlimited 1099 tax filings
Priority Support
$50 off eligible LegalZoom Compliance Plans
6 months free Xero
Add ons:
Frequently asked questions
Don’t just take it from us
The [Mercury] application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.
Jake Stein
Co-founder & CEO
Common Paper
SaaS
I love how easy it is to process payments without having to call to verify each one. Plus, Mercury’s permission structure lets me give the team access to the info they need while keeping the account secure.
Dina Burkitbayeva
CEO
Freedom Biosciences
Biotechnology
Mercury is so intuitive and saves us so much time. Plus, free international transfers save us a ton of money when we pay our suppliers overseas.
Mark Zhang
CEO
Manta Sleep
Ecommerce
01 / 03