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, KindDesignsOpens in new tab

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 is radically different banking for entrepreneurs – engineered from the ground up to help you truly understand and manage your money like never before.Everything you need is built in: cards, invoicing, bill pay, spend management, and built-in AI that surfaces real-time insights and drives financial work end-to-end. And because it all lives in one place, it gets smarter the more you use it – surfacing what you need, when you need it, in ways a patchwork of tools never could.We offer:
  • Free business checking and savings accounts with no minimums or monthly fees
  • Up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team, earning 1.5% cashback on credit spend
  • Free USD wires, ACH, and check payments
  • Treasury management with up to 3.81% yield
  • Built-in spend management, invoicing, bill pay, 1099s, accounting automations, and more
  • Mercury Command, built-in AI that helps complete financial work through natural language
  • Powerful API, MCP, and CLI capabilities to connect Mercury data and actions to your other tools
  • Multi-factor authentication, device verification, dark web monitoring, automatic risk screening on payments, and customizable permissions
  • Working capital loans, venture debt, and SAFEs to help you grow
  • Personal banking with high-yield savings accounts
  • An experience trusted by more than 300K entrepreneurs

Mercury business banking have no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. However, certain 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 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. Learn more about pricing here.If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings accounts are free for everyone. Anyone can send payments from their 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.

Trusted by 300K+ businesses and entrepreneurs

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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.