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Mercury
Banking for startups
As of 30 August 2026, Mercury has a free plan and paid plans start at $29.9/month. Mercury is a financial technology company providing banking services designed specifically for startups, with features like high-yield accounts and treasury ser. Softwr lists it under Accounting. Mercury is made by Mercury Technologies Inc, launched in 2019, available on Web, iOS, Android.
Overview
What Mercury does
Mercury is a financial technology company providing banking services designed specifically for startups, with features like high-yield accounts and treasury services.
What people use it for
- Business banking and payments for startups
- Managing treasury, invoicing and corporate cards from one account
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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
Cross-shopped
What people choose instead of Mercury
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- MercuryvsRamp
Ramp: The corporate card that helps you spend less
- MercuryvsAirbase
Airbase: The first all-in-one spend management platform
- MercuryvsMelio
Melio: Simple business payments
Pricing
What Mercury costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Mercury (Free)
Free
- ACH payments
- Domestic wires
- Real-time payments
- Bill Pay
- USD card transactions
- QuickBooks/Xero automations
Mercury Plus
$29.9 /mo
- Invoice ACH debits
- Recurring invoices
- Invoicing API (500/month)
- Unlimited 1099 filings
- Partner benefits
Mercury Pro
$299 /mo
- All Plus features
- Relationship manager
- Free ACH invoice debits
- Unlimited invoicing API
- NetSuite categorizations
Capabilities
Features
Business checking
Savings accounts
Virtual cards
Team management
API access
QuickBooks
Integration with QuickBooks
Xero
Integration with Xero
Stripe
Integration with Stripe
FDIC insured
FDIC insured security feature
SOC 2
SOC 2 security feature
Web support
Available on web
Ios support
Available on ios
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
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.
SourceWhat 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.
SourceDoes 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.
SourceBehind it
Who makes Mercury
- Company
- Mercury Technologies Inc
- Based in
- San Francisco, CA
Keep looking
Where to go from Mercury
- Mercury alternativesEvery product people weigh against it
- Mercury pricingPlans, floors and what the tiers exclude
- Mercury badgesWhich rules it meets, and the figure behind each
- All Accounting softwareThe full category
- Best Accounting softwareThe shortlist, and how it was cut
Best Accounting software for
Compare Mercury with
- Ramp
- Airbase
- QuickBooks
- Melio
- Brex
- Plaid
- Modern Treasury
- Spendesk
- Wise Business
- Stampli
- Carta
- Spendbase
- Kodo
- Medius
- Mesh Payments
- Money Forward Cloud
- Moneybird
- Medius Expense
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Softwr does not host reviews and shows no star rating for Mercury, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Mercury
Mercury alternatives
What people switch to, and what they give up
Mercury pricing
Every tier, and where the cost actually lands
Compare Mercury
Put it head to head with anything we hold
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