Loved by 300K+ of the most ambitious entrepreneurs on the planet
Everything you do with money.All in one place.
Business banking
Open free checking and savings accounts with zero minimums.
Payments
Send money and pay bills with no fees on USD payments.
Invoicing
Receive customer payments right into your account.
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.
Get started fast. And never stop moving.
Free checking and savings accounts — no in-person visits or paperwork.
Access business credit cards as soon as day one — no minimums, credit checks, or personal guarantees.Explore Credit Cards
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.
Unlimited cashback automatically deposited into your account — no manual redemption or confusing points.Explore Credit Cards
Access high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley.Explore 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.
Standard protection stops short. Mercury goes further.
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.
Whatever you’re building, you’re in the right place.
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