MercuryPricing 2026: Plans, Costs & Best Value
Banking built for startups. Mercury offers a free plan with checking and savings, plus 2 paid tiers.
4.5
Editorial RatingBest Value
Plus
$35/user/mo
- Everything in Free
- International wires
- Advanced permissions
- Priority support
Enterprise
Contact Sales
- Everything in Plus
- Dedicated banker
- Custom integrations
- Venture debt access
Mercury Free Plan
Mercury's free tier includes:
- Checking and savings
- Domestic wires
- Corporate cards
- Team access
Upgrade to Plus starting at $35/mo for additional features.
Mercury: Pros & Cons
Pros
- Beautiful and intuitive banking interface
- No fees on the free tier for most operations
- Strong API for programmatic banking
- FDIC insured up to $5M through sweep networks
- Fast domestic and international transfers
- Great startup ecosystem integrations
Cons
- Not a chartered bank - uses partner banks
- No physical branch locations
- Cash deposits are not straightforward
- International features are limited
- Customer support can be slow during high volume
- Some account restrictions for certain industries
Is Mercury Worth It?
Mercury's free plan is a solid starting point with a generous feature set. For individuals and small teams, the free tier may be all you need. The Plus plan at $35/mo unlocks the features most growing teams need.
With an editorial rating of 4.5/5, Mercury is among the top-rated tools in the Accounting & Finance category. Before committing, consider comparing it against alternatives to ensure it fits your workflow and budget.