Mercury logoThe 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.
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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 3.91% 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.
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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
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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 to send money in USD via wire, ACH, check, and real-time payment.Explore payments

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 Morgan Stanley Investment Management and State Street Investment Management.Explore Treasury
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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.
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Next-level account security

Know your account is safe with tech-forward fraud and phishing protection, passkeys, 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

CNBC logo

Mercury hits $5.2B valuation

Fortune logo

$650M in annual revenue and profitable

Wall Street Journal logo

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.

Explore demo

Mercury for personal

Level up your personal finances with 3.50% 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.

  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. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more here.

  2. Mercury Treasury earns up to 3.91% yield annually, based on the 30-day Effective Yield for MCRYX as of 09/18/2026, and assumes total Mercury deposits of $20M+. Treasury accounts carry an annual fee of 0.15%–0.60% based on total Mercury balances.

    The 30-Day Effective Yield is an annualized net yield assuming dividends are reinvested at the average 30-Day rate for a full year. The 30-Day Effective Yield differs from the 30-Day SEC yield. The 30-Day Effective Yield for MCRYX is net of fees and reflects fee waivers from Morgan Stanley Investment Management. Fee waivers may be reduced or discontinued. Absent fee waivers, yields would have been lower. MCRYX has a floating NAV, is not a money market fund, and carries principal risk. Yields fluctuate, can decline, and are not guaranteed. Past performance is not indicative of future results. 

    Mercury Treasury is offered by Mercury Advisory, LLC, an SEC-registered investment adviser ("Mercury Advisory"). This communication does not constitute an offer to sell or the solicitation of an offer to buy any security. All Brokerage and Clearing services are provided by, and securities are offered through Apex Clearing Corporation, a wholly owned subsidiary of Apex Fintech Solutions Inc., an SEC registered broker dealer, member of FINRA and SIPC, licensed in 53 states and territories. FINRA BrokerCheck reports for Apex Clearing Corporation are available at: http://www.finra.org/brokercheck. Treasury accounts are not FDIC insured, are not bank deposits, and are not guaranteed by Choice Financial Group or Column N.A., and may lose value. Please review Mercury Advisory's ADV Wrap Fee Brochure and full disclosures for more detail. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies, Inc.

  3. Mercury’s Venture Debt and Working Capital loans are originated by Mercury Lending, LLC (NMLS: 2606284) and serviced by Mercury Servicing, LLC (NMLS: 2606285). Mercury Lending and Mercury Servicing are wholly-owned, separately managed subsidiaries of Mercury Technologies, Inc. At this time, we are unable to offer working capital or venture debt loans to businesses operating in California.

  4. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Eligible customers can access the IO card on day one of opening a Mercury account, limitations applyOpens in new tab.  Cashback is automatically credited to your linked checking account when your monthly repayment is processed. If you make an early payment (full or partial), you’ll receive cashback proportional to the amount paid. Your Mercury accounts must be open and in good standing to receive cashback. Cashback rewards may be forfeited if your account is closed or pending closure based on a violation of any applicable terms. Mercury may modify or terminate the cashback program at any time, and any promotional offers or other changes will be communicated by email or on our website. If you have questions about your cashback, please contact Mercury at help@mercury.comOpens in new tab.

  5. Real-Time Payments (RTP) are available only to Mercury customers whose accounts are provided through Column, N.A., Member FDIC. Third-party fees may apply. See hereOpens in new tab for additional details on RTP.

  6. Relationship Managers are available to Pro subscribers and for business accounts with $10M+ balance.

  7. Calculation based on US-based companies that received an angel, pre-seed, seed, or Series A investment reported on Crunchbase in the most recent year.

  8. Annual Percentage Yield (APY) is accurate as of 09/21/2026. This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice. Fees may reduce earnings.