Business Bank Accounts · pricing · Updated November 2026
Mercury pricing (2026)
Mercury's paid plans start at $35/mo (Mercury Plus) as checked on 2026-11-01, 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: $35/mo (Mercury Plus) · 15% off with annual billing
- 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 monthly | 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 | $35 | −15% | Flat monthly | Month-to-month $35/mo; $29.90/mo billed annually (~15% 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 | $350 | −15% | Flat monthly | Month-to-month $350/mo; $299/mo billed annually (~15% 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 2026-11-01. Official pricing page: https://mercury.com/pricing (fetched directly, full content returned)
Price changes
Price on record
$35/moRe-based on record 2026-11-03
A new dated entry is stamped here each time the price moves — the record builds itself.
From 2026-11-03 our record reflects a correction we published, not a vendor price move, so earlier figures are not compared with it.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Corrections to this record
Changes we made to our own record of Mercury, newest first: a figure read again on the vendor's page, a plan it no longer lists, a note. None of them is a price change by Mercury. Every correction on the site is in the corrections log.
-
Mercury Plus. Price corrected from $29.9 to $35 (month, billed monthly). This row was last read on 2026-09-12. The record held $29.90, which the page prints as the annual-billed rate. The annual saving is set to 15%. The page reads: "Mercury Plus $ 2 3 9 5 . 9 0 /mo. $35 per month For businesses that need more efficiencies and streamlined invoicing.". Read in a browser on 2026-11-01.
-
Mercury Pro. Price corrected from $299 to $350 (month, billed monthly). This row was last read on 2026-09-12. The record held $299, which the page prints as the annual-billed rate. The annual saving is set to 15%. The page reads: "Mercury Pro $ 2 3 9 5 9 0 /mo. $350 per month For businesses with complex operations that need a relationship manager.". Read in a browser on 2026-11-01.
-
Mercury Plus. Annual discount corrected from 15% to 20%. This row's own two rates give it: $23.95 against $29.90 is 19.9%. The page prints "$29.90 per month", so the recorded price is right and only the saving was wrong — and it was wrong in the direction that understates what a reader saves. Found by our check for rows whose price or saving contradicts their own note.
-
Mercury Pro. Annual discount corrected from 15% to 20%: $239.90 against $299 is 19.8%. The page prints "$299 per month", confirming the recorded price. Found by our check for rows whose price or saving contradicts their own note.
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's paid plans start at $35/mo (Mercury Plus), and it lists a $0 plan (Mercury); it has 3 published plans. Verified 2026-11-01.
Is Mercury cheaper billed annually?
Yes. Mercury publishes a 15% discount for paying annually (on the Mercury Plus plan). Verified 2026-11-01.
What are cheaper alternatives to Mercury?
Cheaper business bank accounts than Mercury (entry $35/mo) include Lili at $15/mo, Bluevine at $30/mo, Relay at $30/mo. Verified 2026-11-01.
Does Mercury support HIPAA?
Mercury's public pages do not say whether it supports HIPAA. Its public pages also state SOC 2 compliance.
Does Mercury have a free plan?
Yes — Mercury publishes a free tier.
Mercury vs alternatives
Compare all business bank accounts · True cost of business bank accounts · SOC 2 claims in business bank accounts · Open data · MCP
Cheaper business bank accounts alternatives
More business bank accounts tools
Related categories
This standing as a plaque
Mercury currently holds a silver deskmark here — Rank 4 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, which never reads commission data. We never ask anyone to show it, and its link carries rel="nofollow".
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.