Best Business Bank Accounts · pricing · Updated June 2026
Mercury pricing (2026)
Mercury starts at $0/mo (Mercury), across 3 plans. Best for Tech startups and VC-backed companies. Every figure links to Mercury's own page and the date we captured it.
At a glance
- Entry price: $0/mo (Mercury)
- Free tier: Yes
- Compliance: HIPAA — · SOC 2 Yes · GDPR —
- 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
Mercury plans & pricing
| 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 |
Last verified 2026-06-14. Official pricing page: https://mercury.com/pricing (fetched directly, full content returned)
Capabilities
Integrations: QuickBooks, Xero, NetSuite, Stripe, LegalZoom.
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.
Frequently asked questions
How much does Mercury cost?
Mercury starts at $0/mo (Mercury); it has 3 published plans. Verified 2026-06-14.
Is Mercury cheaper billed annually?
Yes. Mercury publishes a 15% discount for paying annually (on the Mercury Plus plan). Verified 2026-06-14.
What are cheaper alternatives to Mercury?
Cheaper business bank accounts than Mercury (entry $0/mo) include Brex at $12/mo, Lili at $15/mo, Found at $26.25/mo. Verified 2026-06-14.
Does Mercury support HIPAA?
Mercury HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Mercury have a free plan?
Mercury free tier: Yes.