Mercury Reviews 2,489

I opened a Mercury account on November 13, 2025, made an initial $100 deposit, and clearly stated that I planned to use the account for e-commerce (Amazon business). My account was successfully approved after their review.

However, the very next day (November 14), I received an email saying my account would be closed after an additional review “due to the nature of my activity.” There was no actual activity beyond the initial deposit.

No clear explanation was provided, and the decision was stated as final with no option to appeal or clarify anything.

They then mailed me a check to return my $100 — which adds unnecessary delay and inconvenience, especially for international users.

Key issues:
• Account approved, then shut down within 24 hours
• No transparency about what triggered the decision
• No opportunity to resolve or provide additional information
• Refund forced via physical check only

I understand compliance requirements, but closing a newly approved account with zero activity — especially after disclosing the intended use — feels arbitrary and poorly handled.

Very disappointing onboarding experience.

I had a great experience with this company. The entire process was smooth and hassle-free. The service was quick, and everything was handled professionally. I really appreciate the timely communication and the way my request was managed without any delays.

Expensive fees for international payments.

Great support and also a very modern banking experience.

Easy to use and structured

Great UX and UI on app. Wish they would do scheduled payments.

Mercury has allowed me to focus on growth by creating multiple checking accounts. I have my two business and my personal banking all connected right in one place. I can categorize and match receipts and integrate with Xero. It is now an essential part of my business model because trucking is loaded with expenses and overhead. I have a great system, and I am excited to look at my finances every time. Also, the graphs are fun to look, and it really is awesome to see my progress in such a short amount of time. I have so much more to learn with automizing payments and setting up team members.

very slow support. mercury to other banks takes about a week. not recommended

Couldn’t pay with debit at the merchant store

A real self service bank, high control and easy dashboard to manage your business.

My experience has been excellent because the information is presented in a simple, easy-to-understand way. This helps you analyze the business more effectively.

One of the best Online Banking experiences I had. Its easy to do anything with almost 2 - 3 steps, either from web app or mobile app

The service is perfect

I wish i came up with the company myself.

Not beginner friendly, asks for a significant deposit to provide any credit products for the business. Does not even provide credit equal to the deposit.

I really love the online business banking and free wires. I would love to be able to get in touch with someone by phone when needed and email support is too slow. lol. I will continue to use Mercury! It's super handy to use the app as well.

- John 3:17

We don't get answers to our questions, and our problems are not being resolved. Your response time is long for highly critical issues and you cause high disruption to our operations.