Is Mercury or sevdesk better?

Neither clearly leads. Mercury starts at Free and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Mercury or sevdesk?

Mercury starts at Free and sevdesk at Free.

Does Mercury or sevdesk run on more platforms?

Mercury runs on Web, Ios, Android. sevdesk runs on Web.

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 sevdesk is typically brought in for.

What can Mercury do that sevdesk cannot?

Mercury covers Business checking, Savings accounts, Virtual cards, Team management.

Accounting · head to head

Mercury vs sevdesk

Mercury

Accounting

Banking for startups

From: Free
Rated: -

Full review Website

sevdesk

Accounting

German accounting and invoicing software for small businesses and freelancers

From: Free
Rated: -

Full review Website

The short version

Each has a real cost: Mercury treasury access requires a $250,000 balance held with Mercury; sevdesk the free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Mercury and sevdesk actually diverge.

Attributes where Mercury and sevdesk differ
Attribute	Mercury	sevdesk
Platforms	Web, Ios, Android	Web
Founded	2019	Unknown

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 sevdesk

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 sevdesk
Managing treasury, invoicing and corporate cards from one accountnot sevdesk

sevdesk

Scanning receipts via mobile app and matching to transactionsnot Mercury
Creating VAT advance returns and filing with tax authoritiesnot Mercury
Generating XRechnung format invoices mandatory for B2B by 2025not Mercury
Recording bank transactions automatically across 4000+ supported banksnot Mercury
Managing unlimited invoices with automatic sales tax calculationsnot 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

sevdesk

The free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
API access and cost center tracking are reserved for the top Buchhaltung Pro tier at EUR 13.95 to EUR 34.90/month depending on commitment length, not included in the mid-tier Buchhaltung plan

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

sevdesk

Free

FreeFree
- Permanently free with no credit card required
- Up to 3 invoices/e-invoices monthly
- Unlimited contact creation
Rechnung (Invoice Plan)$11.9/month
- Regular: €11.90/month, discounted to €4.45/month on 24-month term
- Unlimited invoices, offers, e-invoices, and payment reminders
Buchhaltung (Accounting Plan)$25.9/month
- Recommended plan
- Regular: €25.90/month, discounted to €9.95/month on 24-month term
- Bookkeeping features, AI-powered receipt capture, tax filing
Buchhaltung Pro (Accounting Pro)$34.9/month
- Regular: €34.90/month, discounted to €13.95/month on 24-month term
- Cost center analysis, REST-API access, business financial analysis (BWA)

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 sevdesk if

You want to start without paying.

sevdesk review

Questions people ask

Is Mercury or sevdesk better?: Neither clearly leads. Mercury starts at Free and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mercury or sevdesk?: Mercury starts at Free and sevdesk at Free.
Does Mercury or sevdesk run on more platforms?: Mercury runs on Web, Ios, Android. sevdesk runs on Web.
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 sevdesk is typically brought in for.
What can Mercury do that sevdesk 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

sevdesk: How much does sevdesk cost?

sevdesk offers a free plan and three paid tiers. Invoice Plan starts at €11.90/month (€4.45/month on 24-month), Accounting Plan at €25.90/month (€9.95/month on 24-month), and Accounting Pro at €34.90/month (€13.95/month on 24-month).

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

sevdesk: What is included in sevdesk's free plan?

The free plan allows creation of up to 3 invoices/e-invoices monthly, unlimited contact creation, and access to support materials. No credit card is required.

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

sevdesk: What add-ons are available for sevdesk?

sevdesk offers optional add-ons priced €3.90-€19.90/month including premium layouts, additional users, inventory management, and time tracking. Premium services such as setup consultations start at €24.90.

Source

sevdesk: Does sevdesk offer a promotional discount?

Yes, sevdesk advertises up to 50% discount through a time-limited Black Cyber Deal offering 60% off all plans. Additionally, all paid plans include 24-month term options with significant savings (up to 62% discount).

Source

Mercury vs sevdesk

Mercury

sevdesk

The short version

Where they differ

What each one covers

Only in Mercury

Only in sevdesk

What people use each for

Mercury

sevdesk

Where each one falls short

Mercury

sevdesk

Pricing, plan by plan

Mercury

sevdesk

Which should you pick?

Choose Mercury if

Choose sevdesk if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Mercury

More on sevdesk

Keep looking

Other head to heads