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Business Banking for Startups · Buyer's guide · mercury.com
Mercury
mercury.comMercury is a fintech banking platform designed for startups and tech companies, offering checking, savings, treasury, and spend management with no monthly fees and modern digital tools.
Section
Pricing
Base plan monthly fee
$0
$0 Essentials
$0
Mid-tier plan
$35/mo (Plus)
$12/user Premium
N/A
Enterprise plan
$100/mo (Pro)
Custom
Custom
Domestic wire fees
$0
$0
$0
ACH transfer fees
$0
$0
$0
International wire fee
1% FX fee
$0 outgoing
Flat-rate pricing
Section
Banking Products
Business checking account
Business savings account
Treasury / high-yield cash management
$250K+ min
~4.9% yield
Up to 4.35% APY
FDIC insurance coverage
Up to $5M
Up to $6M
Up to $75M
Physical debit cards
Virtual debit cards
Corporate credit card
IO card
No personal guarantee
Up to 2% cashback
Credit underwriting method
Cash balance based
Cash & runway
Cash balance
Section
Financial Operations
Bill pay
Invoicing
Unlimited free
Basic
Basic
Accounts payable automation
Bill pay
OCR + routing
Expense management
5 users free
Strong controls
Multi-level approval
Receipt capture
Auto-match
Mobile upload
Multi-entity support
Pro plan
Premium+ tier
API access
Paid plans
Section
Integrations & Accounting
Section
Target Customer & Eligibility
Primary audience
Section
Support & Experience
Best fit by objective
Pick the right option for the job
Startups needing fast, no-fee banking with modern UX and minimal setup friction
Mercury
Mercury offers the cleanest onboarding experience with zero monthly fees, free wires and ACH, and a strong reputation among early-stage tech founders
Scaling companies prioritizing corporate card limits and advanced spend controls
Brex
Brex underwrites based on cash balance and runway to offer credit limits 20-30x higher than traditional cards, with sophisticated expense policy automation
Finance teams needing 24/7 support, zero-fee AP automation, and multi-entity banking
Rho
Rho provides round-the-clock support, no subscription fees, and built-in OCR-powered AP workflows that reduce manual invoice processing across multiple entities
Businesses holding significant cash reserves seeking high treasury yields
Rho
Rho offers up to $75M FDIC insurance and competitive yields on treasury products without requiring $250K minimum balances like Mercury
Founders wanting comprehensive perks, integrations, and a startup-native banking brand
Mercury
Mercury provides extensive partner discounts (AWS, Google Cloud), free QuickBooks/Xero sync, and a platform explicitly built for the startup ecosystem
Why customers pick Mercury
- Zero monthly fees on checking/savings with no minimum balance requirements
- Fast digital onboarding designed specifically for startups and tech companies
- Free domestic wires, ACH transfers, and unlimited invoicing on all plans
- Strong ecosystem of startup perks and integrations (AWS, Google Cloud, QuickBooks, Xero)
- Up to $5M FDIC insurance through partner bank sweep network
When to consider alternatives
- Does not accept sole proprietors or unincorporated businesses
- No cash deposit support or physical branch access
- Treasury access requires $250K minimum balance vs. competitors with lower or no minimums
- Standard savings accounts earn zero interest below $250K threshold
- Limited international payment capabilities compared to specialized FX platforms