Radically different banking

Apply online in 10 minutes to experience banking 1 unlike anything that’s come before.

Business banking & more

Apply for free checking and savings accounts with zero minimums, earn up to 3.66% yield with Treasury by Mercury Advisory, 2 and access loans 3 to help you grow.

Cards & expense management

Earn 1.5% cashback on credit card spend, 4 and control team expenses with cards, reimbursements, limits, and approvals all in one place.

Payments & invoicing

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.

Accounting

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

Unlike most financial institutions, Mercury is built on software. Everything can be done within the app in 1-2 minutes.

Karri Saarinen
Founder, Linear

Building an ecommerce brand with millions of customers means constant change. Mercury is the one part of our finance stack that always keeps pace.

Eric Wu and Jahaan Ansari
Co-Founders, Gainful

We love Mercury’s interface. Built-in permissions means our accountant can easily make payments — literally one click and it’s done.

Karen Halstead
Founder, Ways & Means

Apply online in 10 minutes

Free checking and savings accounts — no in-person visits or paperwork.

Get a credit card instantly [4](/content/

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Access business credit cards as soon as day one — no minimums, credit checks, or personal guarantees. Explore credit cards

Tackle banking tasks in seconds

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

Send no-fee USD payments around the globe

$0 USD wires and $0 maintenance fees can save you thousands of dollars per year. 5

Earn 1.5% cashback on credit spend

Unlimited cashback automatically deposited into your account — no manual redemption or confusing points. Explore credit cards

Earn up to 3.66% yield with Mercury Treasury 2

Access high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley. Explore Treasury

You’re creating something to stand the test of time. So are we.

300K+

Entrepreneurs love us
1 in 3

Startups choose Mercury 7
$20B+

Monthly transaction volume
4.9

Apple App Store rating

20x the usual coverage

Get up to $5M FDIC insurance through our partner banks and their sweep networks 1 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.

Banking – redesigned from the ground up.

For $0/month, get started with business banking 1 that helps you accomplish everything you want to do with your money.