Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group; Member FDIC.
One subscription, endless ways to optimize your money
Earn competitive APY on savings (currently 4.50%)
Never miss an opportunity to grow with high-yield savings accounts with no minimum balance.
Your money is safe with expanded protection through our partner bank and their sweep network.
Send no-fee domestic wires, set auto-transfer rules, drag-and-drop bills, and tackle tasks in no time.
Share access with anyone
Create multiple accounts for your family, team, and financial advisor with custom permissions.
Your financial operating system just got an upgrade
Make money moves without manual tasks
- Create an account for every goal or expense
- Set auto-transfer rules between accounts
- Send no-fee domestic wires in seconds
- Drag-and-drop bills to pay them in a click
Room for everyone in your life
Custom accounts for your family and team
Add additional users with custom permissions for your spouse, personal assistant, financial advisor, or anyone who needs access.
$240 annually, $0 in surprise fees
- IncludedUnlimited no-fee domestic wires, ACH, and check payments
- IncludedMultiple checking and savings accounts
- Coming soonJoint accounts
- Coming soonInternational wires
How Mercury Personal stacks up
Frequently asked questions
- Require HTTPS on all pages, and use HSTS 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.