Banking built for Web3 companies

Streamlined accounts that make it easy to run all of your fiat operations.

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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust ®️; Members FDIC. Deposit insurance covers the failure of an insured bank.
From the dust,something new is born.

Tech-forward features for
tech-forward companies

Easy onboarding

We understand blockchain-based companies and only ask the right questions. Apply for an account online from just about anywhere.

Simple money transfers

Deposit money and pay vendors in three clicks — your choice of ACH, check, or wire. Send money to crypto exchanges, set up recurring payments, and share receipts.

Physical and virtual cards

Issue cards to yourself and others in seconds, complete with custom limits, searchable transactions, and user permissions for teammates, bookkeepers, and contractors.

Trusted by companies building the future

Mercury is a no-brainer for every cryptocurrency startup.

Chandan Lodha

Co-founder at CoinTracker

Frequently asked questions

Who can apply to Mercury?
We support thousands of web3 startups, DAOs, and funds. However, we do not currently support Money Services Businesses or exchanges.

We also can’t work with businesses that sell any of the following things:
  • Cannabis, CBD, or cannabis-derived products
  • Firearms, weapons, or ammunition
  • Tobacco, e-cigarettes, or e-liquids
  • Counterfeit goods
  • Adult entertainment
  • Illegal drugs
  • Other items that are illegal in the U.S.
Can I buy crypto with my Mercury account?
We don’t have express restrictions on buying crypto through your Mercury account. When using Mercury, wires sent through your account will include your business name as the wire sender, which helps crypto exchanges (e.g., Gemini, Coinbase) process and credit wires.
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. Get more details on our Pricing page.
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, 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).
How do I get access to my debit card?
Your physical debit card will arrive in a white envelope at your business address after your account is approved. You can create and use virtual debit cards immediately.
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, 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.
What do you do for account security?
Mercury makes security a top priority. Here are some measures we take to ensure your security:
  • Require HTTPS on all pages, and use HSTS to ensure browsers only ever connect to Mercury over a secure connection.
  • Employ a third party to perform penetration testing each year to check for vulnerabilities.
  • Hash and store all passwords with the bcrypt algorithm — never as plaintext.
  • Use time-based one-time passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
  • Encrypt our database and all uploaded images, with additional encryption for sensitive data like social security numbers.
  • Never store your debit or credit card numbers.
Learn more on our Security page.
Can I hold crypto in my Mercury account?
No, not at this time. Mercury accounts can currently only hold fiat.

Have more questions? See the full FAQ

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