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
Created with AI, based on recent reviews
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
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Account closure frenzy
I had a very disappointing experience with Mercury. After going through the entire onboarding process and spending time setting up the account, it was suddenly closed with a generic message about the “nature of our activity,” without any meaningful explanation.
This is actually the second account of ours that Mercury has closed in a similar way. The process of opening the account required time and documentation, only for it to be shut down shortly after with no opportunity to clarify anything.
They also insist on sending the remaining balance via a physical check, which is highly impractical for international founders.
Overall, the experience felt like a waste of time and left a very poor impression. I would be cautious before relying on Mercury for your business banking.
13 March 2026
Unprompted review
Reply from Mercury
Hi Jako,
An action taken on your account violated our Terms of Use and/or your Deposit Account Agreement. Our records show we have sent private communications from our team regarding this. For our full Terms of Use, please visit https://mercury.com/legal/terms.
Best banking experience I’ve ever had
I don’t know what to say. They bring banking into the modern world. And they take care of their customers
12 March 2026
Reply from Mercury
Thanks for sharing, Abdallah. We’re glad the experience has felt modern and that you’ve felt supported by our team.
The IO card credit experience being…
The IO card credit experience being tied completely to the current balance is not convenient if we are running tight. It becomes a disincentive to use it.
12 March 2026
Reply from Mercury
Thanks for your feedback, Eric. We’re sorry to hear that you didn’t have an exemplary customer experience with in relation to our Mercury IO Credit Card. We’ve reached out privately to the email on your account for more information from you on your experience.
I absolutely hate this bank
I absolutely hate this bank! Website says one thing and I get told something completely different.
11 March 2026
Unprompted review
Reply from Mercury
Thank you for sharing your experience with us, KyeJuana. We’re sorry to hear it didn’t meet your expectations, and we’d like to look into this further. We reached out with a request for information but didn’t receive a response, so we weren’t able to locate your account and address this directly. If you’re open to it, please email us at help@mercury.com and we’ll be more than happy to assist you there.
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.
Mercury Closed My Account and Refused to Provide My Banking Details
My experience with Mercury has been extremely frustrating.
After using the platform for legitimate business purposes, receiving payouts from my Shopify stores and paying suppliers and employees, my account was suddenly closed and my dashboard access was revoked.
The main issue is that Mercury has refused to provide the routing and account numbers for all of my checking accounts and sub-accounts, even though I am the account holder requesting my own banking information.
This has created a serious operational problem for my business. Shopify requires me to confirm my previous bank account details before I can update my payout bank account. Since Mercury removed my access and will not provide these details, I am unable to update my banking information and properly manage my store payouts.
I contacted Mercury directly multiple times, but they did not address this specific issue in their responses. Instead, they repeated that the closure decision was final.
I am simply requesting my own banking details so I can update my payout settings and continue operating my business properly. I hope Mercury resolves this matter promptly.
6 March 2026
Unprompted review
Reply from Mercury
Thank you for sharing your experience with us, Gabriel. We’re sorry to hear it didn’t meet your expectations, and we’d like to look into this further. We reached out with a request for information but didn’t receive a response, so we weren’t able to locate your account and address this directly. If you’re open to it, please email us at help@mercury.com, and we’ll be more than happy to assist you there.
A perfect fit for my business
A perfect fit for my business. I use Profit First accounting and the ability to create multiple accounts fits perfectly with that. Transfers are free, quick and easy.
10 March 2026
Reply from Mercury
Thank you so much for this review, Terry — we love hearing that you’re enjoying the platform!
Mercury is the perfect business bank
Mercury is the perfect business bank. I highly recommend it.
9 March 2026
Reply from Mercury
Hi Jean-Jacques, thank you so much for taking the time to leave us a kind review! We're so happy to hear you'd recommend us to others. Thanks for including us in your business journey as well.
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.
It is a wonderful banking app with so many featues which are usually paid in anotehr bankings
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 interface.
i really love it, and i would definitey recommend, i would say its better than Revolut & wise. i used almost 4-5 banks and their features, but none better than mercury..really cooll!!
9 March 2026
Reply from Mercury
Hi Sajid, thank you so much for sharing a 5-star review with us. We love to hear that you're finding us easy and simple to use!
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.
Mercury superfan
The protection and service have been awesome. I opened a free personal account with Mercury (because I have a business account) and they paid for my coffee yesterday!! I have been with them for 2 years now and loved it.
6 March 2026
Reply from Mercury
Hi Marcus! I'm so glad you're a superfan of ours. Thank you for growing your business and opening a personal account with us! We're glad you've included us in your journey.
Reply from Mercury
Thank you so much for your feedback, Bhairavi! We appreciate your support, and glad you are enjoying your account.
Unprofessional sudden account closure
I am a U.S. citizen and founder of multiple U.S.-based LLCs. I recently opened an account and was prepared to deposit $250,000 this week.
Instead of a welcoming onboarding experience, I received a sudden, automated notice that my account would be closed due to my current physical residency in a "high-risk" country. When I contacted support to provide my updated U.S. State ID and proof of my move back to a U.S. residential address, I was met with a generic, robotic refusal. The team would not even review my U.S. documentation or allow a manual appeal.
Mercury appears to be performing a blanket purge of international founders and U.S. expats to satisfy their own regulatory shifts. They are no longer a "founder-friendly" institution; they are a rigid bureaucracy that will fire legitimate customers without a second thought.
I dodged a major bullet by not having my capital in their system when they pulled this. If you are an American founder living or working abroad, do not trust this bank with your capital. They offer zero stability and zero human oversight for compliance issues.
3 March 2026
Unprompted review
Reply from Mercury
Thank you for your feedback. Mercury is able to support companies that are not physically based in or operating out of the locations listed in our “Prohibited Countries” Help Center article. Any U.S. company operating from one of these locations is not eligible for Mercury accounts despite their beneficial owner’s citizenship status. We recommend checking back on the page linked above at a later date as our team works to update eligibility criteria when possible. If you have any additional questions regarding the status of your account, please feel free to reach out to our team at help@mercury.com.
An incredible bank
An incredible bank! I own an LLC and live overseas, it's been so easy with them.
Thanks for the great job Mercury team!
5 March 2026
Reply from Mercury
Thank you for the great feedback, Julian! We 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.
Tech forward & amazing functionality!
The bank is a very user friendly and tech forward. Love using this bank. The data analytics & filtering is just amazing!
5 March 2026
Reply from Mercury
Hi Janieka, thank you for the awesome review. I'm so glad you're enjoying our data presentation options.
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.
I love the API capabilities and being…
I love the API capabilities and being able to easily integrate payments and transaction history into a programmatic worflow.
4 March 2026
Reply from Mercury
Hi Patrick! Thank you so much for leaving us a kind review. We love to hear you're enjoying the API capabilities!
Check deposits is a nightmare
Check deposits is a nightmare. Most of your checks will be rejected. They also don't allow you to print your own checks to pay others.
18 February 2026
Reply from Mercury
Hi there. Thank you for taking the time to share this feedback with us.
Currently, check deposit requirements are informed by a variety of internal risk factors. We try to balance speed of service with security.
We’re always looking to improve, and we’ll be following up via email to gather more of your insights!
Tech is superior to other banks.
4 March 2026
Reply from Mercury
Hi Richard! Thank you so much for the 5-star review. We appreciate you taking the time to share your positive feedback.
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.
Revolutionary banking
Revolutionary banking! It is by far the easier banking service I have ever used
4 March 2026
Reply from Mercury
Thanks so much Omar! We’re building Mercury to feel modern, intuitive, and effortless, so it’s amazing to hear that reflected in your experience. Thanks for being part of the community!
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.
Mercury definitely makes my life easier.
4 March 2026
Reply from Mercury
Thank you so much Muthu! Making things simpler and more efficient for businesses is our goal. We appreciate you sharing your experience.
Reply from Mercury
Hi Abdul, thank you for sharing your positive feedback with us, and for growing with us these past 4 years. We're so glad you like Mercury!
Such an easy interface and I can do all…
Such an easy interface and I can do all the nuanced account work I need. So much easier than transitional banks
3 March 2026
Reply from Mercury
Hi Zach. I'm so glad you're finding Mercury easy to use! Thanks for including us in your financial 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.
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