It is a wonderful banking app with awesome features and that too without any extra cost, you can order physical cards at your address fro free, you hav invoicing solutions inside with very easy inte... See more
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Review summary
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What people talk about most
Reviews shaping this summary
Mercury is a very user friendly platform. It makes complex banking stuff seem simple. Whatever one would need is readily accessible without the need to go to a bank office or fill in tons of papers in... See more
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I have been associated with Mercury since 2021 when I opened my US entity as the CEO of Penthara Technologies. They have been constantly adding new features and giving great support over the email as... See more
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Love the versatile of Mercury! They offer a ton of awesome perks with other great businesses as well. You can customize how many debit cards you need as well as accounts. Also, easy to set up rules to... See more
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Company details
About Mercury
Written by the company
Mercury is the fintech that brings all the ways people and businesses use money into a single product that feels extraordinary to use. With banking*, credit cards, and software, Mercury helps more than 200K ambitious companies and entrepreneurs make better decisions and build their businesses. To learn more, visit Mercury.com.
- Used by founders, finance leads, and operators at startups and SMBs
- Common use cases: paying vendors and contractors, managing team spend, and reconciliation
- Suitable for multi-entity structures that need shared controls and permissions
- Supports companies seeking operational efficiency without expanding headcount
- Up to $5M in FDIC insurance* on deposits through our partner banks’ sweep networks
Mercury combines checking & savings accounts with payments, spend control, and finance ops automation in one place.
- Business checking and savings with digital onboarding and a streamlined web/mobile interface
- ACH, free domestic and international USD wires from Mercury, low-fee non-USD transfers, and mailed checks
- Debit and credit cards** with customizable limits, merchant/category controls, real-time visibility, and cashback
- Automated tools for billing, invoicing, and approvals with accounting integrations
- Cash management options, including venture debt
Mercury addresses the inefficiencies of legacy banking and the fragmentation of multiple finance tools by centralizing workflows and reducing payment friction.
- Automates manual tasks like bill pay, invoicing, approvals, and reconciliation to speed up month-end close
- Replaces branch visits and opaque fees with transparent, smooth money movement
- Compliant onboarding and monitoring designed to protect businesses and reduce surprises
- Fast, knowledgeable customer support across multiple channels
The data:
- Raised $500M in primary and secondary funding from top-tier venture capital firms and angel investors, athletes, entertainers, and 2,500 Mercury customers
- $3.5 billion valuation in March ’25
- 11 consecutive quarters of profitability based on both EBITDA and GAAP net income (as of April ’25)
- $500 million in revenue in 2024
- More than 200K customers
- 40% growth in customers in 2024
- $156 billion in annual transaction volume in 2024, up 64% year-over-year
- Customer NPS of 75*** (compared to banking industry average of 34)
- 1 in 3 startups use Mercury****
- More than 50% of YC cohorts choose Mercury
*Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.
**The Mercury Debit Cards are issued by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC, pursuant to licenses from Mastercard®. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.
***Net Promoter Score (NPS) information and ratings are available at https://customergauge.com/benchmarks/blog/financial-services-nps-benchmarks.
****Calculation based on US-based companies that received an angel, pre-seed, or Series A investment reported on Crunchbase in the most recent year.
Contact info
United States
- hello@mercury.com
- mercury.com
4.0
Great
2K reviews
Replied to 86% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
By far the best banking experience I've…
By far the best banking experience I've had.
27 February 2026
Reply from Mercury
Hi Alejandro, thank you so much for the 5-star review. I'm so glad we're delivering the best to you!
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.
Good but 3% card exchange fee is crazy
4 March 2025
Reply from Mercury
Thanks for sharing this feedback with our team Andres! Kindly note that on December 1st, 2024, Mercury began applying a currency conversion fee of 3% on all Mercury business debit and IO transactions made in currencies other than USD, including non-USD ATM withdrawals. Please be advised that we are charging an international transaction fee, intended to help offset the rising operational expenses of foreign currency processing. Our fee is competitive with what you’ll see from other providers in the banking industry.
Great solution
Great solution. I wish they had a more automated way for transfers, but aside of that, UX is good, all is simple amd clear. Love it
3 March 2026
Reply from Mercury
Thank you for sharing this feedback with our team Alain! We're constantly looking for ways to improve our product, and appreciate you taking the time to let us know about this feature request.
Unreliable, read my review in full to see why..
I just received an email that Mercury will no longer be offering services in select countries, including my country. I don't know exactly what the reason is for that, but I have been prompted by them to withdraw any remaining funds and close my account. I haven't even been working with Mercury for half a year, and then they spring this upon you? I mean, why not notify me in advance that my country is scheduled to be on the so-called blacklist or ineligibility list. This just reeks of unreliability and for that reason I wouldn't recommend them to anyone.
2 March 2026
Unprompted review
Reply from Mercury
Thanks for sharing this feedback with us. Mercury looks at a number of factors when evaluating risk, including whether we can continue to meet rigorous compliance requirements. This decision was made together with our partner banks.
We understand this impacts many legitimate businesses, and we’re sorry for the disruption.
If you're not with Mercury You're doing…
If you're not with Mercury You're doing it wrong!
2 March 2026
Reply from Mercury
Hi Lee, thank you so much for the awesome review. We appreciate you choosing Mercury!
I have been trying to open a business…
I have been trying to open a business account with them since 3-4 weeks now. They did not accept a scanned copy of my passport and asked to take a photo using phone which I did using my Samsung galaxy. They again came back saying that they cant accept this because passport color was altered and asked to take photo using an iPhone. I don't have an iPhone. I really don't get the problem they have accepting scanned copy, US government and everywhere a scanned copy is accepted. I am now not going with them and looking for other options.
2 March 2026
Unprompted review
Reply from Mercury
Hi Vatsala! Thank you for your feedback. Our team reviews every application by hand and has specific requirements for documentation uploads. If you have any questions, you can always reach us at help@mercury.com.
Rizwankhan
2 March 2026
Unprompted review
Reply from Mercury
Hi there, thanks for the 5-star review! We appreciate you taking the time to leave us feedback.
Great small business bank!
Great small business bank!
I've been banking with Mercury for the last 2 years and so far no complaints. Great app experience and no fees on most transactions.
1 March 2026
Reply from Mercury
Hi Abraham, thank you for the review. I'm so glad you've been with us the past 2 years!
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.
Reply from Mercury
Hi David, thank you for leaving us a 5-star review. We're thankful to have you as our customer and to be able to grow with you.
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners
Refuse on a cash a check from a reputable Bank.
My bank sent me a refund check for my escrow on the property that my company owns and you guys refuse to cash it and it's a big pain in my ass. I won't be using Mercury again in my next investment.
15 January 2026
Reply from Mercury
Thanks for your feedback, David. We’re sorry to hear that you didn’t have an exemplary customer experience with us regarding issues cashing a check. We’ve reached out privately to the email on your account for more information from you on your experience.
Always a great experience
Always a great experience, great technology and easy to use.
28 February 2026
Reply from Mercury
Thank you so much for the kind words! We’re thrilled to hear you’ve consistently had a great experience and that the technology feels intuitive and easy to use. We truly appreciate you taking the time to share this.
The best bank for my start-up!
Mercury has been the back of my startup since 2020. I couldn't grow without their help. Every year they offer great add-ons and keep making my life easier.
28 February 2026
Reply from Mercury
Thank you so much for the kind words — and for being with us since 2020! It means a lot to hear that Mercury has supported your startup’s growth over the years. We’re committed to building tools that make running your business easier, and we’re grateful to be part of your journey.
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.
Best option for start ups
Mercury is my business bank account from day one. They make everything super easy and this at lowest or zero fees. Okay, customers had to change bank accounts in 2025 which was a bit of a hassle, but Mercury supported the process as good as they could.
28 February 2026
Reply from Mercury
Thank you for being with Mercury from day one; that truly means a lot to us. We’re so glad to hear that managing your business finances has been easy and cost-effective. We also really appreciate your patience during the account transition in 2025. Changes like that aren’t always seamless, but we’re glad our team was able to support you through it. Thanks again for your trust and support!
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.
Reply from Mercury
Thank you so much! We’re glad to hear our team has been responsive and helpful; that’s exactly the experience we aim to deliver. We truly appreciate your support!
Exceptionally smart banking
Exceptionally smart banking. Other banks are in trouble. This is the future!
4 February 2026
Reply from Mercury
Thank you so much for the kind words! We’re building Mercury to be thoughtful, modern, and designed for the way businesses operate today so it means a lot to hear that it feels like the future to you. We truly appreciate your support!
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.
Great solution !
27 February 2026
Reply from Mercury
Thank you so much for this review, Theirry! We love hearing that you’re enjoying the platform!
Easy and great!
Platform works really well. Easy to manage everything. Never had any issues
27 February 2026
Reply from Mercury
Thank you for the great feedback! We’re so glad to hear the platform is working smoothly for you and that managing everything has been easy. It means a lot to know you’ve had a seamless experience.
Mercury makes business banking so easy!
Mercury makes business banking so easy!
I switched to Mercury several months ago and haven't looked back. I love how simple it was to transfer all my business accounts and link them together in one dashboard. Mercury turned bill paying from multiple hours per month into minutes! And I was even able to link my personal account so I can see everything at once. Sending wires, ACH transfers, and even checks is super simple, efficient, and cost-effective (i.e. FREE!). Even small things like being able to copy the routing and bank acct numbers with one click and being able to click a button to create a signed letter indicating I am an authorized signer on my account shows that Mercury is thinking about the little things that make businesses more efficient. And I'm definitely looking forward to using the 1099 reporting feature in 2026. I really can't say enough good things about having switched to Mercury!
27 February 2026
Reply from Mercury
Thank you so much for the incredibly thoughtful review! We’re thrilled to hear that switching to Mercury has made managing your business finances faster and more efficient. Helping founders save time, whether that’s through streamlined bill pay, simple transfers, or small details like one-click account info and signer letters, is exactly what we aim to do. We truly appreciate you taking the time to share your experience and are grateful to have you with us!
Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.
Reply from Mercury
Thanks so much! We’re thrilled the setup was easy and that our support and features are delivering for you. We appreciate you taking the time to share your experience!
An international wire was lost
An international wire was lost! Mercury customer service is completely useless. Needless to say, I closed the account, and I don't recommend the bank for any sort of transactions. Go the old-fashioned way with proven banks. Those VC-backed FintTechs are there for the VC money, not to help customers. They are clueless about what helping a customer means. After their immediate and careful "we will follow up in privately" - NO response for 3 weeks now...BE AWARE, STAY AWAY, SCAM!
26 February 2026
Unprompted review
Reply from Mercury
Thanks for your feedback, Silviya. We’re sorry to hear that you didn’t have an exemplary customer experience with us regarding your international wire. We'll follow up privately via email on your account for more information on your experience.
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