Mercury starts at $20/month on the Personal plan.
Verified Sep 2026 from the official pricing page.
Is Mercury worth the price?
Mercury's Business Banking and Treasury tiers are exceptionally generous, offering core banking services and high-yield options for free.
The Personal tier at $240/year for 5% APY savings is competitive but less groundbreaking than their business offerings. This pricing is best for startups and growing businesses seeking cost-effective, high-value financial services.
Pricing Plans
Business Banking
Free
- No monthly fees
- No minimum balance
- Free domestic wires
- 1.5% cashback credit card
- Unlimited ATM refunds
Treasury
Free
- 4-4.5% yield on idle cash
- $500K minimum deposits
- Preserve liquidity
Personal
$240/year
- 5% APY savings
- Personal banking
- Premium features
Hidden Costs & Gotchas
Treasury requires $500K minimum deposits
Personal tier is annual-only billing
How Mercury compares
4 of 6 direct competitors offer a free plan.
Mercury Pricing FAQ
How much does Mercury cost?
Mercury starts at $20/month on the Personal plan. A free plan is also available.
Does Mercury have a free plan?
Yes. Mercury offers a free plan called "Business Banking". It includes: No monthly fees, No minimum balance, Free domestic wires.
What are alternatives to Mercury?
Alternatives to Mercury include Brex, Ramp, Novo, Bluevine. Brex starts at $12/user/month; Ramp starts at $15/user/month.
Mercury alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Mercury pricing: mercury.com/pricing (verified Sep 2026)
- Cite this data: Toolradar, Mercury pricing verified Sep 2026, toolradar.com/tools/mercury/pricing
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