Transparent pricing

Think about something other than fees.
Open Account

Free checking & savings accounts

No minimum balances

Up to 5.43%* yield on Mercury Treasury

Free domestic wires

Free USD international wires

1% fee on currency exchange

All the details

Our pricing works with your business, whether you’re bootstrapped or venture-backed.

General

Account opening
Free
Minimum balance
$0
Monthly fees
None
Overdraft fees
None

Accounts

Checking account
Savings account
Mercury Treasury
5.43%*
Debit cards
Credit cards
1.5% Cashback**

* Get up to 5.43% on your idle cash; interest rates updated weekly. Net yield numbers as of 02/19/2024, and assumes total Mercury deposits of $20M+.

** To receive cashback, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. Learn more about cashback.

Payments

Sending & receiving ACH
Free
Sending & receiving checks
Free
Sending domestic wires
Free
Receiving domestic wires
Free
Sending international wires
Free
Receiving international wires
Free
Currency exchange***
1%

*** Contact us to discuss rates if you’re processing >$200K/month.

Company Tools

Transactions API access
Payments API access
Team management
Bookkeeper access
Payment management

...And more

Third-party integrations
Partner perks and rewards
Celebrations

Pricing FAQ

What does it cost to use Mercury?
Mercury is free to use, however, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. There are no account minimums, overdraft fees, monthly fees, or account opening fees.
Is wiring USD internationally really free?
Yes, as a Mercury customer, USD international wires are always free for you to send. 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.
How does Mercury make money?
Our primary revenue stream comes from interest earned on deposits.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 earn money on foreign exchange processing on international wires, as well as fees paid on Mercury Treasury* and Mercury Venture Debt.
What are "celebrations"?
We’re glad you asked. Whether it’s raising a round, launching a cool feature, going public, or hitting a milestone, we follow along with your wins and send you gifts throughout the year. Make sure you keep an eye out for Mercury emails.
How do you price currency exchange?
There is a conversion fee (1% on the USD amount). 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 fees.
Is there a minimum balance requirement for Mercury Treasury?
Mercury Treasury is currently available to users with account balances over $500K. We hope to open Treasury to all users in the future.

Have more questions?
See the full FAQ

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Scale smoothly and build to last on Mercury.

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* Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 5.43% annually on your idle cash. Net yield numbers as of 02/19/2024, and assumes total Mercury deposits of $20M+.

Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.

Mercury Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. Please see the ADV Wrap Fee Brochure for further information regarding fees and conflicts.

The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.

Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.
This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.

Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.

Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.

Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.
Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

The Mercury Debit Cards are issued by Choice Financial Group and Evolve Bank & Trust, Members FDIC, pursuant to licenses from MasterCard. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from MasterCard.