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.

Radically different personal banking

A smarter way to manage, move and grow your money. Earn 3.25% APY on your savings account for one all-inclusive subscription of $240/year — or free with a Mercury business banking account.

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

Personal Banking Dashboard
Personal Banking Mobile Dashboard

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 ways to optimize.

Never miss an opportunity to grow with high-yield savings accounts with no minimum balance.
Mercury personal mobile screen showing a savings account with a growing balance chart and a message that yield is automatically added each month.

Access $5M FDIC insurance or more based on eligibility, through our partner banks and their sweep networks.
Illustration of two bank buildings connected by a circular network symbol, representing Mercury’s partner banks

Put your money to work and keep more of what you earn with low-fee investments right in your account.
Mercury Invest mobile app screen showing portfolio balance, performance over time, and ETF holdings.

Share access with anyone with custom user permissions or create a joint account with your spouse or partner.
Babysitter's debit card

Build your tomorrow with the best of today’s technology

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All yours for $240/year.Free alongside a business account.

One login. All your money moves. Included with eligible business accounts.
  • 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 Invest
  • Included
    International wires in USD
  • Coming soon
    Revocable trust accounts
Testimonial - Dwarkesh Patel
Portrait of a customer, Dwarkesh Patel, in a studio space, at a desk with papers, books, and podcasting equipment nearby.
After years with a traditional bank, I decided to move my personal money to Mercury. It's made everything — even little things like auto-transfer rules and moving funds between accounts — so much better.

Dwarkesh Patel

Founder of Dwarkesh Podcast

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.