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

Manage your finances at the speed of thought. A $240/year subscription, covered with a Mercury business account.

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Personal Banking Dashboard
Personal Banking Mobile Dashboard

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

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.

All under one login. High-yield savings, debit cards, and unlimited USD wires across all of them, plus custom permissions to share access however you want.
Personal, joint, and trust accounts

Built-in software that gives you clarity, completes tasks via prompts, and runs rules to keep your accounts on track.
Intelligence and automations

Banking that moves like software

Command
Insights
CLI/MCP/API
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Accounts that earn from day one

A competitive APY on savings, a managed portfolio, and automations to keep everything running.

Watch your savings account grow with 3.25% APY

Cover the cost of your subscription

With just a $7,500 balance in your savings account, you’ll earn more than $240 a year at the current APY, covering the cost of your annual subscription.

Multiply your money and simplify your investing strategy

  • Invest confidently with a diversified portfolio for a low advisory fee of 0.1%

  • Choose from your preferred mix of low-cost ETFs comprised of U.S. stocks and Treasury bills based on your goals and risk tolerance

  • Keep more of what you earn with a Treasury bill ETF, typically exempt from state and local tax

  • Your funds are always liquid so you can access your money when you need it

Get up to $5M in FDIC insurance per account owner

20x

That’s how much more protection you’ll unlock compared to the industry standard via our partner banks and their sweep networks.

Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Make money moves without manual tasks

  • Create an account for every goal or expense

  • Set auto-transfer rules between accounts

  • Send no-fee domestic and international USD wires in seconds

  • Drag-and-drop bills to pay them in a click

UI showing percentages allocated to different accounts

Room for everyone in your life

Joint accounts UI

Create a joint account for your shared finances

One joint account for up to four account owners is included with your annual subscription.

How Mercury Personal stacks up

The provider of this testimonial was a client of Mercury Advisory, LLCOpens in new tab at the time it was received, did not receive compensation, and was not aware of any conflict of interest.
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

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

One login. All your money moves. Included with eligible business accounts.
  • Included
    AI insights and automations
  • Included
    3.25% APY on savings accounts
  • Included
    One joint account
  • Included
    One trust account
  • Included
    Access to Invest
  • Included
    Up to $5M FDIC insurance
  • Included
    Unlimited USD wires, ACH, and check payments
  • Included
    Debit cards with no foreign transaction fees
  • Included
    Reimbursed ATM fees worldwide
  • Included
    Additional accounts and debit cards for any use case

Frequently asked questions

Your all-in-one $240 annual subscription fee covers everything your Mercury Personal account is capable of. And, as a business customer, a free subscription to Mercury Personal comes included. That means the $240 annual fee is waived for you as long as you remain a user on an eligible business account.

Your Mercury Personal account includes one individual account, one joint account with up to four account owners, and one revocable trust account. It also comes with multiple checking and high-yield savings accounts and additional users and debit cards for any use case. There’s no limit to payments, domestic or international USD wires, transfers between accounts, or ATM withdrawals, and no foreign transaction fees. For non-USD international wires, you’ll just pay 1%. You can view your rate before completing a transfer.

AI is built right into how your account works, not just added on top. Command lets you ask questions and take action in plain language — every move requires your approval. Insights automatically tracks your spending and cash flow so you always know where your money stands. And if you want to go deeper, you can connect directly via CLI, MCP, or API.

Deposits held in checking and savings accounts are FDIC-insured up to $5M per depositor, per insured bank, through our partner banks and their sweep networks, subject to certain requirements. Revocable living trust accounts also get up to $5M in FDIC coverage through our partner bank sweep network, based on $250K per owner, per beneficiary, per bank. You can learn more about FDIC insurance hereOpens in new tab.

You can invest in your desired mix of low-cost ETFs comprised of U.S. stocks and Treasury bills directly from your Mercury account — no separate app or account needed.

Yes. Mercury charges a 0.10% annual advisory fee, deducted monthly. The ETFs and Treasury funds you invest in also have standard expense ratios set by the issuers.

Mercury makes security a top priority. Here are some measures we take to ensure your security:
  • Require HTTPS on all pages, and use HSTSOpens in new tab to ensure browsers only ever connect to Mercury over a secure connection.
  • Employ a third party to perform penetration testing each year to check for vulnerabilities.
  • Hash and store all passwords with the bcrypt algorithm — never as plaintext.
  • Use time-based one-time passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
  • Encrypt our database and all uploaded images, with additional encryption for sensitive data like social security numbers.
  • Never store your debit or credit card numbers.
Learn more on our Security page.

Once logged into your Mercury Personal account, you can send a message to our support team any time. Plus, you can always get in touch with us via email at personal@mercury.com.

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.