Lili vs Mercury: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Lili and Mercury side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Lili leads on lower entry price. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Lili
Online banking and financial management designed for small businesses and freelancers.
Mercury
Business banking for startups. Open an account online in minutes
| At a Glance | Lili | Mercury |
|---|---|---|
Starts at | Free plan, paid from $15/mo flat, billed monthly Lili Pro plan | Free plan, paid from $35/mo flat, billed monthly Mercury Plus plan |
Category | Accounting Finance | Finance Expense Management |
Rating | n/a | 4.6/5 G2 4.4 · Capterra 4.8 182 reviews |
Free plan | Yes | Yes |
Watch out for | n/a | Non-USD international wires carry a 1% currency exchange fee and non-USD card transactions a 3% fee |
Choose Lili or Mercury?
Choose Lili if
- Budget matters ($15/mo flat, billed monthly vs $35/mo flat, billed monthly)
Choose Mercury if
- You need finance features specifically.
In-Depth Analysis
Lili
Online banking and financial management designed for small businesses and freelancers.
Lili offers a generous free tier, 'Lili Core', providing essential banking features, which is excellent for new freelancers or very small businesses.
Strengths
- Pro: No monthly fees for the Core bank account
- Pro: No minimum balance requirements
- Pro: High APY on savings account
- Pro: Comprehensive financial tools (banking, bookkeeping, invoicing, taxes) in one place
- Pro: Strong security features and FDIC insurance
Weaknesses
- Con: Business credit and expedited check deposits may have specific eligibility or fees not fully disclosed on the main page
Key features
Mercury
Business banking for startups. Open an account online in minutes
The free Mercury plan is exceptionally generous, with no monthly fees or minimum balances, and the paid plans (Mercury Plus at $35/month, or $29.90/month billed annually, and Mercury Pro at $299/month billed annually) add invoicing and accounting extras.
Watch out
Non-USD international wires carry a 1% currency exchange fee and non-USD card transactions a 3% fee
Strengths
- Pro: No fees
- Pro: Great UX
- Pro: API access
Weaknesses
- Con: Limited credit options
- Con: US only
Key features
Plans and prices: Lili vs Mercury
| Tool | Plans and prices | Source |
|---|---|---|
| Lili |
| lili.co/plans read Nov 7, 2026 |
| Mercury |
| mercury.com/pricing read Nov 5, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Lili pricing and Mercury pricing.
Key Takeaways
Lili
- Lower entry price: $15/mo flat, billed monthly vs $35/mo flat, billed monthly
Mercury
- Worth considering for finance
What the data shows
On the data below, Lili leads on lower entry price. We do not name an overall winner for this pair.
- Only Mercury has a published user rating (4.6/5 from 182 reviews); Lili has none we can show.
- Lili has the lower entry price: $15/mo flat, billed monthly (Lili Pro) against $35/mo flat, billed monthly (Mercury Plus) for Mercury.
- Both have a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Lili and Mercury compare in 2026?
On the data below, Lili leads on lower entry price. We do not name an overall winner for this pair. Only Mercury has a published user rating (4.6/5 from 182 reviews); Lili has none we can show. Lili has the lower entry price: $15/mo flat, billed monthly (Lili Pro) against $35/mo flat, billed monthly (Mercury Plus) for Mercury. Both have a free plan.
What are Lili and Mercury used for?
Lili: Online banking and financial management designed for small businesses and freelancers. Mercury: Business banking for startups. Open an account online in minutes.
What does Lili cost vs Mercury?
Lili's cheapest paid plan is Lili Pro at $15/mo flat, billed monthly; it also has a free plan. Mercury's cheapest paid plan is Mercury Plus at $35/mo flat, billed monthly; it also has a free plan. Prices read on the vendors' pricing pages, latest check Nov 7, 2026.
What's the main difference between Lili and Mercury?
Lili's main strength: no monthly fees for the Core bank account. Mercury's main strength: no fees.
Spotted an outdated price or a wrong fact? Suggest a correction: we check it against the vendor's own page. Work for one of these vendors? Claim your listing to update it yourself.