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Mercury pricing, price hikes and cheaper alternatives

Mercury (mercury.com) is a business bank account. Core business banking is free; Plus and Pro subscriptions add invoicing, accounting automation and reimbursement capacity for a flat monthly fee.. Free plan: Mercury: $0/mo business checking and savings, free domestic ACH and wires, free USD international wires, no minimum balance.

What Mercury costs

  • 1 person: free (Free plan: $0 fee, ACH in/out free, debit card free, no minimum balance)
  • 5 users: free (Free plan: users and debit cards at no charge, approval rules listed as a core feature, ACH free)
  • $10k abroad: $100/mo (Free plan: international wires $0, non-USD wires carry a 1% FX fee: 1% x $10,000 = $100)

Plan compared: Mercury (free). Prices are the monthly plan or account fee plus the transfer fees each scenario runs up, in USD on monthly billing (annual-only plans divided by 12, local-currency prices converted at the current rate, before VAT). Interest earned, one-off setup fees and ATM, cash and card-replacement fees are left out; exchange-rate costs count only in the international-payments scenario.

What Mercury does

Core: Business bank account, Company cards, Interest & treasury (partly).

Important: Users, roles & approvals, Extended deposit protection, Bills & accounts payable (partly), Invoices & online payment (partly), Accounting software sync, Expense reimbursement, Credit cards & financing (partly), Banking API, Card limits & budgets (partly), Card cashback & rewards (partly).

Also has: Sub-accounts & pockets (partly), International vendor payments (partly), Card payment acceptance (partly), Simple bookkeeping & tax (partly), Cash & check deposits (partly), AI finance features (partly), Non-resident & multi-country onboarding (partly), Multiple legal entities (partly), Receipt capture & OCR (partly), Approval chains & rules (partly), Mileage tracking (partly), AI transaction coding (partly), HRIS & chat integrations (partly).

Mercury price hikes

No price hikes on record for Mercury.

Alternatives to Mercury

Mercury is the cheapest business bank account we track at a one-person business. The others:

Mercury alternatives: 2 business bank accounts compared, at every size.

Other kinds of products that cover part of Mercury

  • Brex (Expenses & spend): covers 82% of Mercury; missing or partial: Invoices & online payment, Banking API (partly), Card payment acceptance, Cash & check deposits, Non-resident & multi-country onboarding
  • Ramp (Expenses & spend): covers 76% of Mercury; missing or partial: Extended deposit protection, Invoices & online payment, Banking API (partly), Sub-accounts & pockets, Card payment acceptance
  • Shopify (E-commerce platforms): covers 65% of Mercury; missing or partial: Company cards (partly), Users, roles & approvals (partly), Extended deposit protection (partly), Bills & accounts payable, Accounting software sync (partly)
  • Square (Payments & merchant of record): covers 61% of Mercury; missing or partial: Business bank account (partly), Company cards (partly), Users, roles & approvals (partly), Extended deposit protection (partly), Bills & accounts payable
  • QuickBooks Online (Accounting): covers 59% of Mercury; missing or partial: Company cards (partly), Interest & treasury, Extended deposit protection, Accounting software sync (partly), Expense reimbursement (partly)
  • BILL Accounts Payable (Expenses & spend): covers 32% of Mercury; missing or partial: Business bank account (partly), Company cards, Interest & treasury, Users, roles & approvals, Extended deposit protection

Sources

Pricing page: mercury.com/pricing. Prices last checked Oct 16, 2026. Prices from mercury.com/pricing (default view is annual, 15% off; page metadata and FAQ give monthly $35 Plus and $350 Pro). PricingSaaS logged only packaging tweaks in 2026 that the live page does not clearly confirm, so no hikes are recorded.