Business Bank Accounts · pricing · Updated September 2026
Mercury pricing (2026)
Mercury starts at $0/mo (Mercury) as checked on 2026-09-12, read from Mercury's own pricing page; 3 plans. Best for Tech startups and VC-backed companies. Every figure below links to its source 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
As of · every figure below links to its source
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 | −20% | flat | Month-to-month $29.90/mo; $23.95/mo billed annually (~20% less). 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 | −20% | flat | Month-to-month $299/mo; $239.90/mo billed annually (~20% less). 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 2026-09-12. Official pricing page: https://mercury.com/pricing (fetched directly, full content returned) Re-verified 2026-09-02 against the live pricing page; published figures unchanged.
Price changes
Price on record
$29.9/moFirst on record 2026-06-27
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
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 2026-09-12.
Is Mercury cheaper billed annually?
Yes. Mercury publishes a 20% discount for paying annually (on the Mercury Plus plan). Verified 2026-09-12.
What are cheaper alternatives to Mercury?
Cheaper business bank accounts than Mercury (entry $0/mo) include Brex at $12/mo, Lili at $15/mo. Verified 2026-09-12.
Does Mercury support HIPAA?
Mercury HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Mercury have a free plan?
Mercury free tier: Yes.
Mercury vs alternatives
Compare all business bank accounts · True cost of business bank accounts · SOC 2-certified business bank accounts · Open data · MCP
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Display this standing
Mercury currently holds a silver deskmark here — Rank 3 of 8 · Business Bank Accounts. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm and money never touches it.
The image is drawn from our live data, so it follows the standing rather than freezing it: if Mercury moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.