Mercury review
Updated October 14, 2026 · VaultCue Editorial Team
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Our verdict
Mercury in the United States is a fintech business-account platform with cards, invoicing, bill pay and spend management. It offers team access roles and syncs transactions with QuickBooks Online, Xero and NetSuite; partner banks remain distinct from Mercury.
Key facts
- Best for
- US businesses comparing account-management, team-access and accounting-sync tools.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Currency conversion fee
- 1%↗
- Currencies
- 40↗
- Local account details
- Us-ACH↗
- Free ATM withdrawals
- $0↗
- Transfer fee
- ACH and domestic wires free; USD international wires free, OUR option $15; non-USD international wires 1% FX fee↗
- Legal entity
- Mercury Technologies, Inc.↗
- Headquarters
- United States↗
- Founded
- 2017↗
- Support channels
- Email, Chat, Help-centre↗
- Audience
- Business, Freelancers
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Joint account
- Official website
- mercury.com
Pros and cons
Pros
- Business tools and accounting integrations are described.
Cons
- Mercury is a fintech platform, not itself a bank
- partner-bank protections are not platform guarantees.
Who it suits
- US businesses comparing account-management, team-access and accounting-sync tools.
Who should look elsewhere
- Businesses requiring Mercury itself to be the deposit-taking bank or a platform-level protection guarantee.
Business tools and integrations
Mercury describes cards, invoicing, bill pay and spend management, with transaction sync for QuickBooks Online, Xero and NetSuite.
How Mercury compares
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.0
8.8 vs 8.9
8.8 vs 9.1
8.8 vs 9.2
8.8 vs 8.7
8.8 vs 8.7
8.8 vs 8.7
8.8 vs 9.0
8.8 vs 8.7
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
Mercury vs Monzo8.8 vs 8.9- 8.8 vs 8.9
8.8 vs 8.7
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.1- 8.8 vs 8.1
8.8 vs 8.0
8.8 vs 8.0
8.8 vs 8.0
8.8 vs 9.1
Where Mercury is available
- Available
- United States
- Licence in United States
- Office of the Comptroller of the Currency (OCC), checked September 26, 2026
- Licence in United States
- Securities and Exchange Commission (investment adviser registration for Mercury Advisory, LLC), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does Mercury charge a monthly fee?+
The monthly fee at Mercury is $0. (Source, checked September 26, 2026)
What currency conversion fee does Mercury charge?+
The currency conversion fee at Mercury is 1%. (Source, checked September 26, 2026)
Which company operates Mercury?+
Mercury is operated by Mercury Technologies, Inc.. (Source, checked September 26, 2026)
Where is Mercury based?+
Mercury is based in United States. (Source, checked September 26, 2026)
When was Mercury founded?+
Mercury was founded in 2017. (Source, checked September 26, 2026)
How can I contact Mercury support?+
Mercury offers support through Email, Chat, Help-centre. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Mercury_(fintech) checked September 26, 2026
Backs: Founded, Headquarters
“The company was founded in 2017 in San Francisco, California”
- mercury.com checked September 26, 2026
Backs: Support channels
“Chat support for all customers, plus dedicated account management for those who qualify”
- mercury.com/business-banking checked September 26, 2026
Backs: Deposit protection, Licences
- mercury.com/faq checked September 26, 2026
Backs: Audience, Currencies, Currency conversion fee, Local account details, Transfer fee
“Mercury supports all types of businesses - from SaaS and ecommerce companies, to agencies, consultants, law firms, and real estate developers. Whether you're a solo entrepreneur”
- mercury.com/legal/terms checked September 26, 2026
Backs: Legal entity
“Mercury Technologies, Inc. and its affiliates (collectively, "Mercury," "we," or "us")”
- mercury.com/personal-banking checked September 26, 2026
Backs: Access terms, Account kind, Free ATM withdrawals, Features, Headline rate, Minimum deposit, Rate type
“There's no limit to payments, domestic or international USD wires, transfers between accounts, or ATM withdrawals, and no foreign transaction fees”
- mercury.com/pricing checked September 26, 2026
Backs: Pricing model, Monthly fee
“Banking services and essential tools are always $0/mo”
Compiled from 8 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Licence type.
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