Banking for your first raise

Get back to building with hassle-free business banking that moves as fast
as you do.

Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

Trusted by dynamic companies

Built for the runway ahead

FDIC-insured checking & savings

Foolproof wire instructions

Debit & credit cards for your team

No hidden
fees

an exploded rendering of a Mercury dashboard

Features your future finance team will love

A view of the Mercury app on a mobile phone

Hassle-free application

Apply in 10 minutes or less

Upon approval, you can immediately access your account numbers, fund your account, send investors wire instructions, and issue cards to your founding team.

Team member permissions

Stay in control

Bank with precision from one intuitive dashboard

Manage your funds and track your runway with free checking and savings accounts, plus give your team custom permissions — all from a single dashboard.

Mercury charge cards for your business

Credit Cards

Boost your spending power

Keep all your spending in one place and earn 1.5% cashback2 with IO, the corporate card built on Mercury.

Logos of Xero, Stripe, Zapier, and QuickBooks orbiting a Mercury logo

Integrations & perks

Integrates seamlessly with best-in-class tools

Take advantage of integrations with popular tools, including Xero, QuickBooks, and Zapier — and get discounts on platforms like AWS and Slack.

ACH, wire, and check payment options

Globally minded banking

Move money around the world

Send international wires in USD for free — or in foreign currencies for just a flat 1% fee.

Features designed to keep you in control

The banking foundation for startups with global aspirations

Transparent pricing

$0

Open an account with zero monthly fees.

Learn more

  • FDIC-insured checking & savings
  • No monthly fees or overdraft fees
  • Free domestic and international (USD) wires
  • Free ACH transfers
  • Flat 1% currency exchange fee
  • 1.5% cashback on all credit spend
  • Free DACAs & Letters of Credit

Answers to all of your questions

See full FAQ
What is Mercury?
Mercury is banking and credit cards designed to help companies bank at their speed, take action from a single source of truth, and accelerate growth. We offer:
  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance
  • Debit and credit cards for your whole team
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 100K startups love
*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.
**The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard.
What do I need to apply for an account?
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).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 open accounts for founders operating in the following countries and regions: Afghanistan, Albania, Bosnia & Herzegovina, Botswana, Burundi, Cameroon, Central African Rep, Democratic Republic of the Congo, Congo, Croatia, Eritrea, Ethiopia, Haiti, Iraq, Kosovo, Lebanon, Libya, Macao, Mali, Mozambique, Myanmar (Burma), Nicaragua, Nigeria, Pakistan, Somalia, South Sudan, Sudan, Tanzania, Turkey, Venezuela, Viet Nam, Western Sahara, Yemen, Zimbabwe, Belarus, Iran, North Korea, Cuba, Russia, Syrian Arab Republic, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and and Crimea).
Can I apply for an account if I’m not physically in the United States or a United States resident?
Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. 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.We cannot currently open accounts for founders operating in the following countries and regions: Afghanistan, Albania, Bosnia & Herzegovina, Botswana, Burundi, Cameroon, Central African Rep, Democratic Republic of the Congo, Congo, Croatia, Eritrea, Ethiopia, Haiti, Iraq, Kosovo, Lebanon, Libya, Macao, Mali, Mozambique, Myanmar (Burma), Nicaragua, Nigeria, Pakistan, Somalia, South Sudan, Sudan, Tanzania, Turkey, Venezuela, Viet Nam, Western Sahara, Yemen, Zimbabwe, Belarus, Iran, North Korea, Cuba, Russia, Syrian Arab Republic, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and and Crimea).We’d love to support residents of more countries over time, so let us know at [email protected] if you live in one of the above countries and we’ll let you know if anything changes.
Are my deposits FDIC-insured?
Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.
Will Mercury connect me to investors?
Through our Mercury Raise program — which we encourage founders to apply to — we offer founders the opportunity to connect with our network of over 800 high-quality investors. If an investor is interested in a Mercury Raise finalist, we’ll make a warm intro. Outside of Mercury Raise, we do not facilitate 1-1 introductions with investors. We do, however, encourage our users to check out our Investor Database, a curated list of the best and most active seed and pre-seed investors. As your company grows, you may also become eligible for alternative financing through Mercury Venture Debt.

Open your account in 10 minutes or less

Build on a secure foundation — no matter your startup’s size or stage.

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