Mercury
Mercury is a fintech company offering online business banking aimed at startups and scaling companies, with free checking and savings accounts, business credit cards, treasury products, and accounting tools including its own Mercury Books software. Core banking has no monthly fee, and accounts can be opened online in about 10 minutes without visiting a branch. Banking services are provided through partner banks rather than Mercury itself, as Mercury is a fintech company, not a chartered bank.
Facts checked on against the sources listed at the end of this page.
- Pricing
- FreemiumFree plan: Yes: checking and savings accounts have no monthly fee and no minimum balance
- Open source
- NoProprietary
A good fit for
- Startups that want to open a business bank account quickly online without visiting a branch
- Companies that want banking, cards, payments and basic accounting tools in one place
- Businesses that want to earn yield on idle cash through treasury products
- Teams that need expense controls and virtual cards for specific spending categories
Not a good fit for
- Businesses that specifically need a traditional bank charter relationship rather than a fintech operating through partner banks
- Companies needing extensive in-person branch banking services
- Businesses outside the markets Mercury supports
Mercury pricing
Core business checking and savings accounts are free, with no monthly fee or minimum balance. Additional pricing for specific products, such as treasury services or premium plans, is detailed on Mercury's own pricing page.
Prices in USD, checked on 27 September 2026. Current prices on mercury.com.
Main features
- Free business checking and savings
- No monthly fees or minimum balance requirements on core accounts.
- Business credit cards
- Available from day one, earning 1.5% cashback on spending, with team expense controls.
- Treasury
- Yield on idle cash, up to a stated 3.91% through Mercury Advisory.
- No-fee payments
- USD wire, ACH, check and real-time payments with no per-transaction fee.
- Invoicing
- Create and send invoices for free directly from Mercury.
- Accounting integrations
- Connects to QuickBooks, Xero and NetSuite, plus Mercury's own Mercury Books software.
About Mercury
Mercury provides business banking built for startups: checking and savings accounts with no monthly fees or minimum balances, opened entirely online, along with business credit cards available from day one that earn 1.5% cashback on spending.
Its treasury products let businesses earn yield on idle cash, up to a stated 3.91% with Mercury Advisory, and it offers no-fee USD payments by wire, ACH, check and real-time payment rails, plus free invoice creation and global money transfers.
On the accounting side, Mercury integrates with QuickBooks, Xero and NetSuite, and also offers its own accounting software, Mercury Books, with AI-assisted automations aimed at closing the books faster. Mercury is a financial technology company, not a bank itself; deposits are held at partner banks.
- Made by
- Mercury
- Free plan
- Yes: checking and savings accounts have no monthly fee and no minimum balance
- Available on
- Web, Mobile app, QuickBooks, Xero and NetSuite integrations
Mercury alternatives
Mercury compared
Questions about Mercury
Is Mercury a bank?
No, Mercury is a financial technology company. Banking services are provided through partner banks, not by Mercury itself.
Does Mercury charge monthly fees?
Core checking and savings accounts have no monthly fee or minimum balance requirement.
What accounting tools does Mercury offer?
Integrations with QuickBooks, Xero and NetSuite, plus Mercury's own accounting software, Mercury Books.
Does Mercury offer credit cards?
Yes, business credit cards are available from day one and earn 1.5% cashback on spending.
Sources and links
Work on Mercury? Claim this listing. Something wrong or out of date? Suggest a correction. Stats come from the public GitHub and npm APIs and update every day.