Online Business Banking For Startups, Small Businesses & Scaling Companies Products Business Banking Manage your business finances at every stage of growth. Try the demo Banking & More Apply for business accounts, earn yield, and access capital. Products Checking & Savings Working Capital Loans Venture Debt Treasury by Mercury Advisory Cards & Expense Management Issue cards instantly and control team and vendor spend. Products Business Credit Cards Expense Management Payments & Invoicing Send payments, create invoices, and sync your accounting tools. Products Payments Invoicing Accounting Automations Intelligence Leverage AI to understand and manage your finances. Products Command Insights API Personal Banking A smarter way to manage, move, and grow your personal finances. Solutions Tech Spend less time on money management and more time building. Ecommerce Get everything you need to grow your brand at every stage. Agencies, Consultants & Firms Simplify your finances across every client and project. VC Funds Manage investments in all your portfolio companies in one place. Crypto Run everything from a fast, compliant hub built for the speed of crypto. Accounting Firms Bring clarity to your clients and efficiency to your firm. & More LLCs Life Science Climate Real Estate & Construction Healthcare Services Resources Blog Practical resources, insights, and inspiration. Jump to Starting A Business Scaling & Growing Stories Company News Perks Deals on the top software picks for growing businesses. Jump to Startup Bundle Growth Bundle Ecommerce Bundle Tools Free calculators, templates, and databases. Jump to Investor Database SAFE Generator Burn Rate Calculator Product Releases About Our Story The vision behind Mercury and the people helping to shape the future of banking. Connect Events Partnerships Careers Support Help Center Opens in new tab FAQs Switch to Mercury Contact us Pricing Dashboard Dashboard Log in Log in Open account Dashboard Dashboard Log in Log in Open account Open Menu Products Solutions Resources About Pricing Dashboard Dashboard Log in Log in Open account Radically different banking Apply online in 10 minutes to experience banking unlike anything that’s come before. Enter your email Open account Open account Launch demo Mercury will occasionally send you emails with offers, news, and promotions. Check this box if you do not want to receive them. Opt out 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. Business banking & more Apply for free checking and savings accounts with zero minimums, earn up to 3.80 % yield with Treasury by Mercury Advisory, and access loans to help you grow. Cards & expense management Earn 1.5% cashback on credit card spend, 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. Launch demo Loved by 300K + of the most ambitious entrepreneurs on the planet 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 Ecommerce 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 Agency 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 Banking’s been a headache. Now, it’s a head start. 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. 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. Apply online in 10 minutes Free checking and savings accounts — no in-person visits or paperwork. Get a credit card instantly 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. Stop losing money to fees. Start using it to fuel your growth. Send no-fee USD payments around the globe $0 USD wires and $0 maintenance fees can save you thousands of dollars per year. 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 3.80 % yield with Mercury Treasury Access high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley. Explore Treasury Run your business like a seasoned pro 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. 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. 20x the usual coverage Get up to $5M FDIC insurance through our partner banks and their sweep networks 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. Mercury in the spotlight Mercury hits $5.2B valuation $650M in annual revenue and profitable Mercury lands $300M Series C Banking – redesigned from the ground up. Open account Contact sales 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 3.25 % APY on your savings account, joint accounts, unlimited free USD wires, and more. 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