Mercury 🧾 Service

What you get

Mercury gives your company business checking and savings, domestic and USD international wires, ACH, cards, bill pay and invoicing. The base plan is $0 a month. Mercury Plus costs $29.90 a month and adds invoicing features such as recurring invoices and ACH debit invoicing; Mercury Pro costs $299 a month and adds a relationship manager. Annual billing is 15% cheaper. Mercury Books (bookkeeping) is listed at $35 a month, with the fee waived until 31 December 2026.

Mercury is a fintech company, not a bank. Banking is provided by Choice Financial Group and Column N.A., and deposits are covered up to $5M through a partner-bank sweep network. Customers also get a perks catalogue (the perks page lists 273 partners, such as AWS credits and Notion discounts) but Mercury does not state a total value.

Who qualifies

Your company must be formed and registered in the US or a US territory, with existing or planned US operations. You do not need to be a US citizen or resident: founders abroad can apply unless they or a financial controller live in a country on Mercury's prohibited list. Money services businesses, adult entertainment, cannabis, internet gambling and trusts are not supported.

Good to know

• Your principal place of business can be a US or international address, but not a registered-agent address, PO box or UPS box.
• Non-USD international wires carry a 1% conversion fee; non-USD card spend carries 3%.
• Treasury needs a $250K balance.

Verdict

For a US-incorporated startup, especially one run from outside the US, Mercury is one of the easiest accounts to open and the free plan covers most early needs.

1. Form your US company (Delaware C-corp or LLC) and get your EIN.
2. Check that your country of residence is not on Mercury's prohibited list.
3. Apply online with your formation documents, EIN confirmation, operating address and ID for each beneficial owner.
4. Answer any follow-up questions; Mercury reviews the whole application before a decision.