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.

A financial foundation for your business

Simplify your real estate and construction finances with banking, cards, and bill pay in one place. Apply in 10 minutes.
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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Free USD wires. No fees. Full control.

Save when you pay

Free ACH and USD wires, and just 1% on payments in 40+ currencies

Automate your accounting

Integrate with accounting software to track your money movements

Bank with confidence

Up to 20x the industry standard in FDIC insurance with our partner banks and sweep networks
We use Mercury for everything — wires, team cards, depositing checks, and treasury. The Mercury app and website are streamlined, easy, and even fun to use. We manage spend and reconcile easily, while keeping our extra funds growing without thinking about it.

Anya Freeman

CEO, KindDesigns

All of your business finances in one place

Get a bird’s-eye view of your different accounts on the go

Explore Banking

  • Create multiple accounts to separate finances by property, project, or purpose

  • Access real-time cashflow and spending info by vendor, category, account, or card

  • Send payments, deposit checks, and more all from the mobile app

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Automatically categorize transactions and expenses

Explore Accounting Automations

  • Seamlessly integrate with QuickBooks, Xero, and NetSuite and set custom rules to map transactions to GL codes

  • Upload or email receipts and we’ll automatically match them to the right transaction

  • Grant custom access to bookkeepers, assistants, or property managers to make sure you’re getting your tax write-offs

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Invoice clients right from your account

Explore Invoicing

  • Create and send polished, branded invoices right from your account

  • Let clients pay however they prefer: card, Apple Pay, Google Pay, or wire ACH debit

  • See payment status and send reminders for overdue payments in just a few clicks

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Simplify contractor payments and 1099 filing

Explore Bill Pay

  • Populate bill details automatically and detect duplicate payments and subscriptions

  • Schedule and send payments directly from your Mercury account via ACH, domestic and international wire, or check

  • Set multi-layered approvals and approve payments instantly via Mercury’s mobile app or Slack

  • Collect W-9s and file federal and state 1099-NEC and MISCs — no exports or third-party tools required

1099 tax filing

Banking should do more than just hold your money.

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Build business credit and get 1.5% cashback with the IO credit card

Get access on day one for eligible customers. Start with daily payments, then unlock higher limits and flexible payment schedules with a $15K balance.

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Switching to Mercury is easy

See how Mercury compares to traditional banks and make the switch in four easy steps.

Frequently asked questions

Mercury was founded with the idea of making banking better for startups. We spent our first five years creating a powerful bank account that made banking feel less like an obstacle and more like a catalyst.Now, we’re building software to run all your financial operations from that powerful bank account so your company can perform at its best — that means more precision, more control, and more focus. We call it “operational excellence.”We offer:
  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team
  • Reimbursements for out-of-pocket expenses
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations, including bill pay, invoicing, accounting automations, and expense reimbursements
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 200K startups love

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.

Yes, Mercury corporate cards can be issued with custom limits and merchant controls so you can easily track expenses across various vendors. You can issue both virtual and physical cards for your team.

Yes, you can set up multiple accounts for different purposes (e.g. projects, properties) to keep funds separate and organized. Custom permissions let you designate who can fund or access each account. 

You’ll need your company’s official formation documents, your IRS-issued EIN document (for U.S. entities only), and a picture of the government ID (e.g., a passport or U.S. driver’s license) for each founder or majority owner of your company. You'll also need to provide some information about your company and each company owner.Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.For more information on eligibility and required documents, please see this article.

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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.