Pricing that fits your business
Banking services and essential tools are always $0/mo — with more plans available as your business grows.
Jump to section:
- Banking
- Sending and receiving money
- Access to Treasury*
- Company cards
- Expense management
- Invoicing
- Bill pay
- Accounting
- Taxes
*Treasury is unlocked with $250K Mercury balance
$0/mo. For businesses that need more efficiencies and streamlined invoicing.
Everything you get with a Mercury account, plus:
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Multiple GL codes for bill payments
- Reimburse up to 20 users/month
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
$29.90/mo. For businesses with complex operations that need a relationship manager.
Everything you get with Plus, and more:
- Relationship manager
- Invoice with ACH debit ($0/transaction)
- Invoicing API (unlimited invoices created/mo)
- NetSuite categorizations
- Reimburse up to 250 active users
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Compare our plans
| Plan | Mercury | Mercury Plus | Mercury Pro |
|---|---|---|---|
| Banking | Included | Included | Included |
| Sending and receiving money | Included | Included | Included |
| Treasury | Included | Included | Included |
| Company cards | Included | Included | Included |
| Expense management | Included | Included | Included |
| Invoicing | Included | Included | Included |
| Bill Pay | Included | Included | Included |
| Accounting | Included | Included | Included |
| Taxes | Included | Included | Included |
Pricing FAQ
What does it cost to use Mercury for businesses?
Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. Advanced features may incur fees, including making mass payments on our API, accessing Mercury Treasury account management, and sending USD internationally with optional premium processing.
How does Mercury make money?
Even though opening a Mercury account is free, we earn money in several ways including earning interest on deposits, fees from foreign exchange processing and interchange fees from transaction services.
How do you price currency exchange?
There is a 1% conversion fee for non-USD international wires. This helps cover the cost associated with sending money internationally through the SWIFT network.
Is wiring USD internationally really free?
As a Mercury customer, you can send USD international wires for free. However, intermediary bank fees may apply.
Does it cost money to use Mercury debit or IO credit cards?
All USD transactions on Mercury debit cards are free; however, non-USD transactions incur a fee.
What does it cost to use Mercury Invoicing?
Customers can create, send, track, and receive payments on as many invoices as they’d like in the free version of Mercury. Advanced invoicing capabilities are available as part of paid plans.
What does it cost to use Mercury's accounting automations?
QuickBooks and Xero enriched automations are free; additional features are available in paid plans.
Is there a minimum balance requirement for Mercury Treasury?
Mercury Treasury is available to users with account balances over $250,000 across all Mercury accounts.