Online Business Banking For Startups, Small Businesses & Scaling Companies
Radically different banking
Apply online in 10 minutes to experience banking unlike anything that’s come before.
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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Everything you do with money. All in one place.
Business banking & more
Apply for free checking and savings accounts with zero minimums, earn up to 3.60% yield with Treasury by Mercury Advisory, and access loans to help you grow.
Cards & expense management
Earn 1.5% cashback on credit card spend, and control team expenses with cards, reimbursements, limits, and approvals all in one place.
Payments & invoicing
Send money around the world and pay bills with no fees on USD payments, create free invoices, and get paid directly into your Mercury account.
Accounting
Sync with Quickbooks, Xero or NetSuite, and save hours with AI-powered automations to close your books faster.
Loved by 300K+ of themost ambitious entrepreneurs on the planet
SaaS
Unlike most financial institutions, Mercury is built on software. Everything can be done within the app in 1-2 minutes.
Karri Saarinen
Founder, Linear
Ecommerce
Building an ecommerce brand with millions of customers means constant change. Mercury is the one part of our finance stack that always keeps pace.
Eric Wu and Jahaan Ansari
Co-Founders, Gainful
Agency
We love Mercury’s interface. Built-in permissions means our accountant can easily make payments — literally one click and it’s done.
Karen Halstead
Founder, Ways & Means
Banking’s been a headache. Now, it’s a head start.
Create cards in a couple of clicks
Instantly spin up as many virtual cards as you need. Create cards for any purpose — ad spend, contractors, you name it.
Watch bills pay themselves
AI reads bills, populates details automatically, and remembers past recipients — so you can approve and pay in seconds.
Get paid without a patchwork of tools
Send manual and automatic invoices, accept flexible payment methods, and manage customer details right from your Mercury account.
Reconcile receipts without the runaround
Email or upload receipts and we’ll auto-attach them to the right card transaction. You don’t lift a finger.
Mercury has completely changed my expectations of what banking should do. The vision and craft is so far beyond what traditional banking can provide.
Paul Copplestone
Founder and CEO, Supabase
Get started fast. And never stop moving.
Apply online in 10 minutes
Free checking and savings accounts — no in-person visits or paperwork.
Get a credit card instantly
Access business credit cards as soon as day one — no minimums, credit checks, or personal guarantees.Explore credit cards
Tackle banking tasks in seconds
Find any transaction, vendor, or card, or jump straight to creating payments, transfers, and more — all from one universal search bar.
Stop losing money to fees. Start using it to fuel your growth.
Send no-fee USD payments around the globe
$0 USD wires and $0 maintenance fees can save you thousands of dollars per year.
Earn 1.5% cashback on credit spend
Unlimited cashback automatically deposited into your account — no manual redemption or confusing points.Explore credit cards
Earn up to 3.60% yield with Mercury Treasury
Access high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley.Explore Treasury
Run your business like a seasoned pro
Total visibility
Get a clear view of all available funds and money in and out, in one snapshot.
Automations
Reduce busywork with automated transfers, approval flows, and AI-powered transaction categorization.
Team management
Curb team spend with card limits, spend controls, and granular user permissions.
Guidance
Chat support for all customers, plus dedicated account management for those who qualify.
You’re creating something to stand the test of time. So are we.
300K+
Entrepreneurs love us
1 in 3
Startups choose Mercury
$20B+
Monthly transaction volume
4.9
Apple App Store rating
Standard protection stops short. Mercury goes further.
20x the usual coverage
Get up to $5M FDIC insurance through our partner banks and their sweep networks to ensure eligible deposits are protected.
Next-level account security
Know your account is safe with tech-forward fraud and phishing protection, MFA verification, dark web monitoring, and more.
Controls at your fingertips
Decide who can view, move, or debit funds — with approval flows, locks, and permissions that keep you fully in control.
Mercury in the spotlight
$650M in annual revenue and profitable
Mercury lands $300M Series C
Fast Company’s Most Innovative
Banking – redesigned from the ground up.
Mercury for business
For $0/month, get started with business banking that helps you accomplish everything you want to do with your money.
Mercury for personal
Level up your personal finances with 3.25% APY on your savings account, joint accounts, unlimited free USD wires, and more.