Mercury
$0/ Month
Powerful business banking and finance essentials.
Open Account
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.
Mercury Plus
$35/ Month
Everything Mercury offers, with more reimbursements and invoicing power.
Business banking
Bill pay
Unlimited bill payments
Invoicing
Unlimited invoice generation
Recurring invoicing
Branded invoices
ACH debit
+ $1/ACH debit transaction
Reimbursements
Reimburse up to 20 users/month
+ $5/additional active user
Closing the books
Xero
QuickBooks
Mercury Pro
$350/ Month
Everything Mercury Plus offers, with advanced workflows and dedicated support.
Business banking
Bill pay
Unlimited bill payments
Invoicing
Unlimited invoice generation
Recurring invoicing
Branded invoices
ACH debit
+ $0/ACH debit transaction
Reimbursements
Reimburse up to 250 users/month
+ $5/additional active user
Closing the books
Xero
QuickBooks
NetSuite
Tap into expertise
Relationship manager
Also guaranteed at $10M+ balance
Custom solutions for enterprise
Get in touch with our team for
custom pricing and plan options.
Compare our plans
| Banking | |||
| No monthly or overdraft fees, or minimum balances | |||
| Business checking and savings | |||
| Mercury Treasury With $500K cumulative account balance | Earn up to 4.51% | Earn up to 4.51% | Earn up to 4.51% |
| Up to $5M in FDIC insurance Through our partner banks and their sweep networks | |||
| Free domestic and international wires (USD) | |||
| 1% flat fee currency exchange | |||
| Partner perks and rewards | |||
| Payments API | |||
| Team management including bookkeeper access | |||
| Third-party integrations With Stripe, Slack, and more | |||
| Cards | |||
| Virtual and physical debit cards | |||
| Corporate credit cards | |||
| Custom spend limits and merchant-locked cards | |||
| Duplicate subscription detection | |||
| Security | |||
| Automated fraud monitoring | |||
| SOC 2 compliance | |||
| Robust encryption | |||
| PCI-certified to protect credit card info | |||
| Multi-factor authentication | |||
| Accounting Automations | |||
| Bank feed import | QuickBooks Online, Xero, and NetSuite | QuickBooks Online, Xero, and NetSuite | QuickBooks Online, Xero, and NetSuite |
| Enriched accounting integrations | QuickBooks Online and Xero | QuickBooks Online and Xero | QuickBooks Online, Xero, and NetSuite |
| Invoicing | |||
| Unlimited invoice generation | |||
| Recurring invoicing | |||
| Branded invoices | |||
| ACH debit payments | $1/ACH debit transaction | $0/ACH debit transaction | |
| Bill Pay | |||
| Unlimited bill payments | |||
| Approval rules | |||
| Email bill forwarding | |||
| Automated bill scanning | |||
| Duplicate bill detection | |||
| Split bills with multiple GL codes | |||
| Reimbursements | |||
| Reimbursements | 5 active users | 20 active users + $5/additional active user | 250 active users + $5/additional active user |
| Multi-currency and mileage reimbursements | |||
| Auto-populated expenses from receipts | |||
| Customer support | |||
| Email or contact support via your Mercury dasbhoard | |||
| Dedicated relationship manager Also guaranteed at $10M+ balance |
Mercury is built for entrepreneurs. All of my businesses are under one login and I can do anything I need myself – make new accounts, transfer funds between them, and pay international vendors without hidden fees.
Allen Walton
Founder & CEO
SpyGuy
Ecommerce
Pricing FAQ
Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month.If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you're ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.
Even though opening a Mercury account is free, we make money in a number of different ways. We earn interest on deposits, foreign exchange processing on international wires, and fees paid on Mercury Treasury and Mercury Venture Debt. Additionally, when you use your debit card or IO credit card, Visa and Mastercard charge a fee to the merchants — we receive a percentage of this fee, known as interchange. We also have subscription revenue from our financial workflows products and Mercury Personal.
There is a 1% conversion fee for non-USD international wires. This helps us cover the cost associated with sending money internationally through the SWIFT network. If your company is exchanging >$200K, reach out to us to chat about fees.
Additionally, we charge an international transaction fee on non-USD debit and credit card transactions.
Additionally, we charge an international transaction fee on non-USD debit and credit card transactions.
As a Mercury customer, you have the option to send USD international wires for free. We offer two options for how those wires are processed. The first, coded as SHA, is standard among most banks and while free to you, may result in intermediary bank fees that are absorbed by your recipient. The second, coded as OUR, gives you the option to pay a flat fee of $15 so that any intermediary fees will be charged back to Mercury, making it more likely your recipient will receive the full amount.
All USD transactions on Mercury debit cards and IO credit cards are free, however, non-USD transactions are subject to an international transaction fee. We don’t charge annual fees on IO credit cards; and because you’ll pay off your IO account balance automatically each month, you won’t incur any interest.If you want to use our enriched NetSuite accounting automations to sync your IO card transactions to NetSuite, you’ll need to upgrade to a paid Mercury plan (starting at $35/month). QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Learn more about pricing.
Customers can create, send, track, and receive payments on as many invoices as they’d like in the free version of Mercury. Advanced financial workflows and invoicing capabilities, like sending recurring invoices and including logos and preferred color schemes, are available as part of our paid plans (starting at $35/month). Learn more about pricing here. It’s free for customers to pay you by ACH transfer, wire, or check through Mercury. Stripe charges a processing fee for each credit card payment, which is typically 2.9% + $0.30. Mercury charges an international transaction fee on non-USD debit and credit card transactions.
It does not cost anything to make payments with Mercury Bill Pay. Anyone can process unlimited bills for free through their Mercury business and personal checking and savings accounts.
While anyone can easily send payments from their Mercury account, using Mercury Bill Pay gives you more precision and control and allows you to pay bills more efficiently. Using AI, Mercury Bill Pay automatically extracts data so there is no need to copy and paste invoice information. Bill Pay allows you to receive bills to a dedicated bill inbox, which helps you manage and prioritize your unpaid bills, organizing them by approval status and due dates. Lastly, Bill Pay allows you to sync your bill data directly to your accounting software.
It is free to enable expense reimbursements for your whole company, no matter how many users you have on your Mercury account, and it is free for users to submit expenses. You can reimburse expenses for up to 5 active users per month free of charge.If you need to reimburse expenses for more than 5 active users in a given month, you will need to upgrade to a paid plan (starting at $35/month). Our paid plans include other capabilities such as premium invoicing features and enriched NetSuite accounting automations. Learn more about pricing here.
QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Additionally, many of our employee spend and expense reporting features — like debit and IO credit cards, receipt policies and reminders, and user permissions for your team — are free.Customers have the option to select a paid plan (starting at $35/month) to use our enriched NetSuite accounting automations, as well as to reimburse more team members and access advanced invoicing features. Learn more about pricing.
Mercury Treasury is currently available to users with account balances over $500K. We hope to open Mercury Treasury to all users in the future.
Mercury Personal gives you powerful personal banking for one all-inclusive subscription of $240/year. Your subscription is debited directly from your personal account once per year on the date you signed up. Learn more about how Mercury Personal can help you optimize your personal finances here.