Wise Business vs Mercury: Which Should You Choose in 2026?
Choosing between Wise Business and Mercury comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Wise Business
The only business account you need to go global, making international payments and finances easy.
Best for you if:
- • International business account for sending, receiving, and spending in multiple currencies.
- • Uses mid-market exchange rates and transparent fees for cost-effective global transactions.
Mercury
Banking for startups
Best for you if:
- • You want the higher-rated option (8.8/10 vs 7.7/10)
- • You need something completely free
- • Banking built for startups
- • No monthly fees or minimums
| At a Glance |  Wise Business |  Mercury |
|---|---|---|
Price | Free + Paid | Free |
Best For | Accounting | Accounting |
Rating | 77/100 | 88/100 |
| Feature | Wise Business | Mercury |
|---|---|---|
| Pricing Model | Freemium | Free |
| Editorial Score | 77 | 88 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 176 |
| Categories | AccountingExpense Management | AccountingExpense Management |
How Wise Business and Mercury Compare
Wise Business
The only business account you need to go global, making international payments and finances easy.
Free tier available · 77/100 score
Mercury
Banking for startups
Free · 88/100 score
Who Should Use What?
On a budget?
Mercury is free. Wise Business is freemium.
Go with: Mercury
Want the highest-rated option?
Wise Business: 77/100. Mercury: 88/100.
Go with: Mercury
Value user reviews?
Neither has user reviews yet.
Go with: Mercury
3 Questions to Help You Decide
What's your budget?
Wise Business is freemium. Mercury is free. Go with Mercury if free matters most.
What's your use case?
Both are accounting tools. Compare their specific features to decide.
How important are ratings?
Mercury scores higher: 88/100 vs 77/100.
Key Takeaways
Mercury
- Higher score: 88/100 vs 77
- More community upvotes (176)
- Completely free
- Our pick for this comparison
Wise Business
The Bottom Line
Mercury (88/100) is our pick.
Frequently Asked Questions
Is Wise Business or Mercury better?
Mercury scores 88/100 in our evaluation. Wise Business is freemium and Mercury is free.
What are Wise Business and Mercury used for?
Wise Business: The only business account you need to go global, making international payments and finances easy.. Mercury: Banking for startups.
What does Wise Business cost vs Mercury?
Wise Business is freemium (free tier + paid plans). Mercury is completely free. Visit their websites for detailed pricing.