Mercury logoThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.
mobile phone with personal banking dashboard

The future of personal banking has arrived

Power your personal ambitions with smarter ways to manage, move and grow your money. Earn 3.25% APY on your savings account for one all-inclusive subscription of $240/year.

Mercury will occasionally send you emails with offers, news, and promotions. Check this box if you do not want to receive them.

1. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

2. Annual Percentage Yield (APY) is accurate as of 12/17/2025. This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice. Fees may reduce earnings.

One subscription, endless opportunities to optimize your money.

Earn 3.25% APY on your savings

Never miss an opportunity to grow with high-yield savings accounts with no minimum balance.

20x your FDIC insurance

Access $5M FDIC insurance or more based on eligibility, through our partner banks and their sweep networks.

Invest with confidence

Put your money to work and keep more of what you earn with low-fee investments right in your account.

Manage your finances, together

Share access with anyone with custom user permissions or create a joint account with your spouse or partner.

Make banking a breeze

Send no-fee domestic and international USD wires, set auto-transfer rules, drag-and-drop bills, and tackle tasks in no time.

Get your paycheck faster

Thanks to faster direct deposit, payday can now arrive up to two days sooner.

Build your tomorrow with the best of today’s technology

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Get it all for $240 annually

Everything you need to optimize your money — without nickel-and-diming along the way.

  • Included
    3.25% APY on savings accounts
  • Included
    Up to $5M FDIC insurance through partner banks' sweep networks
  • Included
    Unlimited no-fee domestic wires, ACH, and check payments
  • Included
    Reimbursed ATM fees worldwide
  • Included
    Debit cards with no foreign transaction fees
  • Included
    Multiple checking and savings accounts
  • Included
    Additional accounts and debit cards for any use case
  • Included
    One joint account
  • Included
    Access to Investment accounts
  • Included
    International wires in USD
Mercury Personal is so different from the traditional alternatives. Sending wires is fast and easy, I earn a fantastic APY, and I love the granular permissions I can set for loved ones.

Rajiv Ayyangar

CEO, Product Hunt

Your money deserves better

It’s time personal banking got an upgrade.

Mercury will occasionally send you emails with offers, news, and promotions. Check this box if you do not want to receive them.

Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.