Softwr

Accounting · head to head

Mercury vs Navan

Mercury logo

Mercury

Accounting

Banking for startups

From
Free
Rated
-
Full reviewWebsite
Navan logo

Navan

Accounting

AI-powered corporate travel and expense management with integrated corporate card

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mercury treasury access requires a $250,000 balance held with Mercury; Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Mercury and Navan actually diverge.

Attributes where Mercury and Navan differ
AttributeMercuryNavan
PlatformsWeb, Ios, AndroidWeb, iOS, Android, API
Founded2019Unknown

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Mercury

  • Business checking
  • Savings accounts
  • Virtual cards
  • Team management
  • API access
  • QuickBooks
  • Xero
  • Stripe

Only in Navan

Nothing recorded that Mercury does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Mercury

  • Business banking and payments for startupsnot Navan
  • Managing treasury, invoicing and corporate cards from one accountnot Navan

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Mercury
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Mercury
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Mercury
  • Global enterprises requiring multi-currency support and ERP integrationnot Mercury
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Mercury

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Mercury

  • Treasury access requires a $250,000 balance held with Mercury
  • Non USD international wires carry a 1% conversion fee
  • Choosing OUR wire coding, which covers intermediary bank charges, costs $15 per wire
  • ACH invoicing is $1 per transaction on Mercury Plus and only free on the $299 a month Pro plan
  • Advanced and recurring invoicing require Mercury Plus at $29.90 a month

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

Pricing, plan by plan

Mercury

Free
  • Mercury (Free)Free
    • ACH payments
    • Domestic wires
    • Real-time payments
  • Mercury Plus$29.9/month
    • Invoice ACH debits
    • Recurring invoices
    • Invoicing API (500/month)
  • Mercury Pro$299/month
    • All Plus features
    • Relationship manager
    • Free ACH invoice debits

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

Which should you pick?

Choose Mercury if

  • You need business checking.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want savings accounts.
Mercury review

Choose Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan review

Questions people ask

Is Mercury or Navan better?
Neither clearly leads. Mercury starts at Free and Navan at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mercury or Navan?
Mercury starts at Free and Navan at Free.
Does Mercury or Navan run on more platforms?
Mercury runs on Web, Ios, Android. Navan runs on Web, iOS, Android, API.
Can I use Mercury for free?
Both have a free tier, so you can try either at no cost before committing.
What is Mercury best used for?
Mercury is most often used for business banking and payments for startups, managing treasury, invoicing and corporate cards from one account. Of those, business banking and payments for startups and managing treasury, invoicing and corporate cards from one account are not what Navan is typically brought in for.
What can Mercury do that Navan cannot?
Mercury covers Business checking, Savings accounts, Virtual cards, Team management.

Answered from the vendors’ own pages

Mercury: Is Mercury business banking free?

Mercury's base banking tier is free and includes ACH payments, domestic wire transfers, real-time payments, Bill Pay, and QuickBooks/Xero automations at no monthly cost.

Source
Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

Source
Mercury: What does Mercury Plus add beyond the free tier?

Mercury Plus costs $29.90 per month and adds invoice ACH debits, recurring invoice capabilities, invoicing API with 500 calls per month, unlimited 1099 filings, and access to partner benefits.

Source
Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

Source
Mercury: Does Mercury charge monthly account fees?

No, Mercury states there are no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. The free tier includes essential business banking, with paid tiers available for additional features.

Source
Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

Source
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