Mercury vs Oxygen: 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 Mercury and Oxygen side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Mercury leads on a free plan. 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:
Mercury
Business banking for startups. Open an account online in minutes
Best for you if:
- • You want a free tier before you commit
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
| At a Glance | Mercury | Oxygen |
|---|---|---|
Starts at | Free plan, paid from $35/mo flat, billed monthly Mercury Plus plan | Not published |
Category | Finance Expense Management | Finance Accounting |
Rating | 4.6/5 G2 4.4 · Capterra 4.8 182 reviews | 4.4/5 Capterra 4.5 · G2 4.3 102 reviews |
Free plan | Yes | No |
Watch out for | Non-USD international wires carry a 1% currency exchange fee and non-USD card transactions a 3% fee | n/a |
Choose Mercury or Oxygen?
Choose Mercury if
- You want a free tier before you commit
Choose Oxygen if
- You need finance features specifically.
In-Depth Analysis
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
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
Strengths
- Pro: Historically served a large user base (250K+ monthly active users)
- Pro: Supported significant card swipe revenue ($550k/month)
- Pro: Backed by a proven leadership team and significant investment ($20M round)
Weaknesses
- Con: Services are currently unavailable
- Con: Specific future initiatives are not yet detailed
Key features
Plans and prices: Mercury vs Oxygen
| Tool | Plans and prices | Source |
|---|---|---|
| Mercury |
| mercury.com/pricing read Nov 5, 2026 |
| Oxygen | No plan prices on file | oxygen.us |
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 Mercury pricing and Oxygen pricing.
Key Takeaways
Mercury
- Has a free plan
Oxygen
- Worth considering for finance
What the data shows
On the data below, Mercury leads on a free plan. We do not name an overall winner for this pair.
- User ratings are within 0.2 points (4.6/5 from 182 reviews for Mercury, 4.4/5 from 102 reviews for Oxygen).
- Mercury starts at $35/mo flat, billed monthly; Oxygen has no public paid plan price on file.
- Only Mercury has 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 Mercury and Oxygen compare in 2026?
On the data below, Mercury leads on a free plan. We do not name an overall winner for this pair. User ratings are within 0.2 points (4.6/5 from 182 reviews for Mercury, 4.4/5 from 102 reviews for Oxygen). Mercury starts at $35/mo flat, billed monthly; Oxygen has no public paid plan price on file. Only Mercury has a free plan.
What are Mercury and Oxygen used for?
Mercury: Business banking for startups. Open an account online in minutes. Oxygen: Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
What does Mercury cost vs Oxygen?
Mercury's cheapest paid plan is Mercury Plus at $35/mo flat, billed monthly; it also has a free plan. Oxygen has no public paid-plan price on file. Prices read on the vendors' pricing pages, latest check Nov 5, 2026.
What's the main difference between Mercury and Oxygen?
Mercury's main strength: no fees. Oxygen's main strength: historically served a large user base (250K+ monthly active users).
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.