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.
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Powerful banking. Simplified finances.

Apply in 10 minutes for online business banking that transforms how you operate.
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Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Let banking power your financial operations

Banking should do more for your business. Now, it can.

Explore Demo
Figure A, MercuryFigure AMercury01Banking02Treasury03Cards and expense management04Bill pay05Invoicing06Accounting automations07Startup-friendly capital

Speed without compromise

Efficiently manage your banking and financial operations from a single dashboard.

Complete any banking task in just a few clicks

An operator’s dream. Mercury combines the speed, simplicity, and smarts that I need to get back to running my business. Search for data or actions, all at your fingertips.

Lindsay Liu

CEO & co-founder, Super

Illustration of interface displaying a payment transfer form with fields for amount, account, sending date, and a toggle to repeat the payment

Send and receive payments seamlessly

Set auto-transfer rules and send free USD wires.

Checking & Savings
Image showing a real credit card alongside several illustrated credit card designs.

Unlock credit cards earlier with industry-low deposit minimums

Unlimited 1.5% cashback on all spend.

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Bank with complete confidence

Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Get up to 20× the industry standard in FDIC insurance through our partner banks and sweep networks.

How Mercury Works

All your financial workflows. Zero complexity.

With a Mercury account powering your banking and finances, you’re already in the flow.

Handle all your bills with precision

Explore Bill Pay
  • Hold your money for longer by eliminating third-party processing
  • Harness AI to populate bill details for you
  • Set multi-layered approvals and approve payments instantly via Slack
  • Never overpay with duplicate bill detection

Seamless invoicing for you and your customers

Explore Invoicing
  • Generate polished invoices in minutes
  • Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit for subscribers
  • Easily send recurring invoices and payment reminders
  • Simplify reconciliation with automatically matched payments and invoices

Control spend effortlessly at any size

Manage Expenses
  • Issue corporate cards and reimburse expenses
  • Tailor permissions to each team member
  • Lock cards to specific merchants
  • Easily spot duplicate subscriptions
  • Set company-wide spend policies in minutes

Close the books quickly and accurately

Explore Accounting Automations
  • Sync transactions to QuickBooks, NetSuite, or Xero
  • Let AI automatically code your transactions and expenses
  • See all your bills, cards, employee expenses, and incoming transactions in one place
  • Easily review transactions with in-line receipts and notes

Your gateway to a longer runway

Accelerate your growth with Mercury Treasury and financing options integrated directly with your account.
Representative Treasury portfolio allocation

Earn up to 4.09% yield on your idle cash with portfolios powered by J.P. Morgan Asset Management and Morgan Stanley

Start Earning with Treasury
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Fuel your growth with startup-friendly Venture Debt

Grow with Venture Debt
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Speed up your fundraise with free SAFEs

Create a SAFE

Mercury enables over 200K startups of all sizes to operate at their highest level.

Open Account

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.