# Mercury pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Mercury). Among the 8 business bank accounts we track it is the cheapest; median entry $0/mo.
**Domain:** mercury.com
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Yes · GDPR Not published
**Integrations:** QuickBooks, Xero, NetSuite, Stripe, LegalZoom
**Best for:** Tech startups and VC-backed companies; E-commerce businesses; Agencies and professional services; Crypto businesses; Real estate companies; Accounting firms managing multiple entities
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Mercury | $0 | — | flat | Free forever. Core banking and finance essentials. Expense reimbursement free for up to 5 users/month. International wire conversion fee: 1% for non-USD transfers. Optional international wire OUR fee: $15 flat. | mercury.com |
| Mercury Plus | $29.9 | −15% | flat | Annual billing: $23.95/mo (15% discount). Month-to-month: $29.90/mo. Invoice with ACH debit at $1/transaction. Invoicing API 500 calls/month. Reimburse up to 20 users/month (+$5 per additional user). Unlimited 1099 filings. 6 months free Xero. | mercury.com |
| Mercury Pro | $299 | −15% | flat | Annual billing: $239.90/mo (15% discount). Month-to-month: $299/mo. Dedicated relationship manager. Invoice with ACH debit at $0/transaction. Unlimited invoicing API. NetSuite categorizations. Reimburse up to 250 users/month (+$5 per additional). | mercury.com |

**Key features:** SOC 2 Type II certified with independent third-party auditing; Multi-factor authentication and device verification; Dark web monitoring and breach prevention; Up to $5M FDIC insurance through partner bank sweep network; Business checking, savings, and treasury management; Virtual and physical debit cards with granular spend controls; Bill pay, ACH transfers, domestic and international wires; Expense reimbursements for teams; Invoicing with ACH debit collection; 1099 filing support (unlimited on Plus/Pro); Automated ACH payment authorization controls.

**Plan limits:** FDIC insurance up to $5M through sweep network across partner banks; Expense reimbursement: 5 users/month on free plan, 20 on Plus, 250 on Pro; Invoicing API: 500 calls/month on Plus; unlimited on Pro; International wire conversion fee: 1% on non-USD transfers; Treasury access requires $250K+ account balance; Mercury Pro required for NetSuite integration and dedicated relationship manager.

Sources: 1 · Last verified 2026-06-14
Provenance: Official pricing page: https://mercury.com/pricing (fetched directly, full content returned)
Canonical: https://frontdeskreview.com/software/business-bank-accounts/mercury/
Cite: Per The Front Desk Review, Mercury's entry plan was $0 (free)/mo as of 2026-06-14 — https://frontdeskreview.com/software/business-bank-accounts/mercury/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl