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Codestin Search AppThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.

Radically different banking

Apply online in 10 minutes to experience banking unlike anything that’s come before.

Mercury will occasionally send you emails with offers, news, and promotions. Check this box if you do not want to receive them.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Everything you do with money.

All in one place.

Apply for free checking and savings accounts with zero minimums, earn up to 3.71% yield with Treasury by Mercury Advisory, and access loans to help you grow.

Earn 1.5% cashback on credit card spend, and control team expenses with cards, reimbursements, limits, and approvals all in one place.

Send money around the world and pay bills with no fees on USD payments, create free invoices, and get paid directly into your Mercury account.

Sync with Quickbooks, Xero or NetSuite, and save hours with AI-powered automations to close your books faster.
Launch Demo

Loved by 300K+ of the most ambitious entrepreneurs on the planet

Portrait of a man sitting indoors next to a testimonial about Mercury’s speed and ease of use.
Portrait of a man sitting indoors next to a testimonial about Mercury’s speed and ease of use.
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.

Animation that rotates through multiple credit cards stacking.

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.
Illustration of the Invoicing flow with the date, payment terms, and repeat settings.

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 has completely changed my expectations of what banking should do. The vision and craft is so far beyond what traditional banking can provide.

Paul Copplestone

Founder and CEO, Supabase

Get started fast. And never stop moving.

Free checking and savings accounts — no in-person visits or paperwork.
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Access business credit cards as soon as day one — no minimums, credit checks, or personal guarantees.Explore Credit Cards
Close-up, stylized image of the corner of a Mercury card.

Find any transaction, vendor, or card, or jump straight to creating payments, transfers, and more — all from one universal search bar.

Stop losing money to fees. Start using it to fuel your growth.

$0 USD wires and $0 maintenance fees can save you thousands of dollars per year.

Unlimited cashback automatically deposited into your account — no manual redemption or confusing points.Explore Credit Cards
Illustration of a credit card with points creating a ripple effect above and below, suggesting automatic cash back.

Access high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley.Explore Treasury
Stylized graph with an upward trajectory, suggesting growth over time.

Run your business like a seasoned pro

Abstract illustration of overlapping circles, suggesting a unified view of incoming and outgoing funds.

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.
Abstract illustration with three dots at the center, suggesting conversation, guidance, and support.

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.

Illustration of a bar graph demonstrating how much more FDIC coverage Mercury offers compared to traditional banks.

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.
Illustration of three toggle switches, symbolizing controls for permissions, approvals, and access to funds.

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

Fortune logo

$650M in annual revenue and profitable

Wall Street Journal logo

Mercury lands $300M Series C

Fast Company logo

Fast Company’s Most Innovative

Banking – redesigned from the ground up.

Open Account
Contact Sales

Mercury for business

For $0/month, get started with business banking that helps you accomplish everything you want to do with your money.

Explore Demo

Mercury for personal

Level up your personal finances with 3.25% APY on your savings account, joint accounts, unlimited free USD wires, and more.

Learn More

Disclaimers 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.