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Radically different banking
Apply online in 10 minutes to experience banking built to power your startup’s ambitions.
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Everything you do with money. All in one place.
Business banking & more
Apply for free checking and savings accounts with zero minimums, earn up to 3.61% yield with Treasury, and access loans to help you grow.
Cards & expense management
Payments & invoicing
Accounting
Loved by 300K+ of the most ambitious entrepreneurs on the planet
SaaS
“Unlike most financial institutions, Mercury is built on software. Everything can be done within the app in 1–2 minutes.”
Karri Saarinen
Founder, Linear
Banking’s been a headache. Now, it’s a head start.
Create cards in a couple of clicks
Instantly spin up as many virtual cards as you need. Create cards for any purpose — ad spend, contractors, you name it.
Watch bills pay themselves
AI reads bills, populates details automatically, and remembers past recipients — so you can approve and pay in seconds.
Get paid without a patchwork of tools
Send manual and automatic invoices, accept flexible payment methods, and manage customer details right from your Mercury account.
Reconcile receipts without the runaround
Email or upload receipts and we’ll auto-attach them to the right card transaction. You don’t lift a finger.
“Mercury gives us the banking infrastructure to focus on what matters: building products, serving customers, and moving faster with confidence.”
Paul Copplestone
Founder and CEO, Supabase
Get started fast. And never stop moving.
• Apply online in 10 minutes
Free checking and savings accounts — no in-person visits or paperwork.
Get a credit card instantly
Tackle banking tasks in seconds
Stop losing money to fees. Start using it to fuel your growth.
• Send no-fee USD payments around the globe
$0 USD wires and 50 maintenance fees can save you thousands of dollars per year.
Earn 1.5% cashback on credit spend
Earn up to 3.61% yield with Mercury Treasury
Run your business like a seasoned pro
Total visibility
Get a clear view of all available funds and money in and out, in one snapshot.
Automations
Reduce busywork with automated transfers, approval flows, and AI-powered transaction categorization.
Team management
Curb team spend with card limits, spend controls, and granular user permissions.
Guidance
Chat support for all customers, plus dedicated account management for those who qualify.
You’re creating something to stand the test of time. So are we.
300K+
Entrepreneurs love us
1 in 3
Startups choose Mercury
$20B+
Monthly transaction volume
4.9
Apple App Store rating
Standard protection stops short. Mercury goes further.
20x the usual coverage
Get up to $5M FDIC insurance through our partner banks and their sweep networks to ensure eligible deposits are protected.
Next-level account security
Know your account is safe with tech-forward fraud and phishing protection, MFA verification, dark web monitoring, and more.
Controls at your fingertips
Decide who can view, move, or debit funds — with approval flows, locks, and permissions that keep you fully in control.
Mercury in the spotlight
Mercury hits $5.2B valuation
$650M in annual revenue and profitable
Mercury lands $300M Series C
Banking — redesigned from the ground up.
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Mercury for business
For $0/month, get started with business banking that helps you accomplish everything you want to do with your money.
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Mercury for personal
Level up your personal finances with 3.25% APY on your savings account, joint accounts, unlimited free USD wires, and more.
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Disclosures and footnotes
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.
1. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more about how Mercury’s partner banks hold customer funds.
2. Mercury Treasury is offered by Mercury Advisory, LLC, an SEC-registered investment adviser. Mercury Advisory’s advisory services and investments are not insured by the FDIC, are not bank guaranteed, and may lose value. Past performance does not guarantee future results.
3. Mercury Treasury accounts are subject to eligibility requirements, minimum balances, and program terms. Yield is variable and may change at any time. Information presented is for general informational purposes only and should not be construed as investment, legal, accounting, or tax advice.
4. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Approval is subject to underwriting and verification. Credit limits, rewards, and repayment terms may vary based on eligibility and account standing.
5. Savings, checking, payments, and other product availability may vary by customer type, state, and account status. Mercury may modify, suspend, or discontinue features at any time. Fees, limits, and additional terms may apply to specific products or services.
6. App Store rating, customer counts, transaction volume, and other figures are based on publicly available information and internal Mercury data as of the dates indicated. Such figures are provided for context only and may change over time.
7. References to third-party companies, customers, publications, logos, or trademarks are for identification and informational purposes only and do not imply endorsement. All trademarks are the property of their respective owners.
8. Copyright © 2025 Mercury Technologies, Inc. All rights reserved. Mercury, Mercury Treasury, and related marks are trademarks of Mercury Technologies, Inc. This page is a recreated marketing layout for visual reference.