{"name":"Mercury","slug":"mercury","pricingModel":"freemium","normalized":{"currency":"USD","entry":{"plan":"Mercury Plus","kind":"paid","priceText":null,"perMonth":35,"unit":"flat","unitNoun":null,"billing":"monthly","free":false,"contactSales":false},"entryStatus":"priced","entryNote":null,"plans":[{"plan":"Mercury","kind":"free","priceText":null,"perMonth":0,"unit":"unknown","unitNoun":null,"billing":"unknown","free":true,"contactSales":false},{"plan":"Mercury Plus","kind":"paid","priceText":null,"perMonth":35,"unit":"flat","unitNoun":null,"billing":"monthly","free":false,"contactSales":false},{"plan":"Mercury Pro","kind":"paid","priceText":null,"perMonth":299,"unit":"flat","unitNoun":null,"billing":"yearly","free":false,"contactSales":false}],"hasFreePlan":true,"hasFreeTrial":true,"contactSalesOnly":false},"pricingDetails":{"notes":"Treasury is not a separate plan: it is unlocked with a $250K Mercury balance (up to 4.25% yield). Mercury Personal is $240/year on its own and included free with any business plan. Add-ons: Mercury Books $35/month and Mercury Payroll $100/month + $50 per person paid, both waived until Dec 31, 2026.","tiers":[{"name":"Mercury","unit":"flat","price":"Free","features":["No monthly fees, overdraft penalties, or minimum balances","Business checking and savings","Free ACH, wires, real-time payments, and checks in USD","Corporate credit cards 1.5% cashback","Unlimited bill payments","Unlimited invoices"],"isPopular":false,"priceNote":"$0 a month","sourceUrl":"https://mercury.com/pricing","sourceQuote":"$0 per month Powerful banking and finance essentials included with every account.","priceMonthly":0,"sourceReadAt":"2026-11-05"},{"name":"Mercury Plus","unit":"flat","price":"$35/month","features":["Everything in Mercury","Invoice with ACH debit ($1/transaction)","Recurring invoices","Unlimited 1099 tax filings","Priority Support","6 months free Xero"],"isPopular":true,"priceNote":"$29.90/month billed annually (15% off). 30-day free trial","sourceUrl":"https://mercury.com/pricing","sourceQuote":"Customers have the option to select a paid plan (starting at $35/month) for access to advanced payment workflows","priceMonthly":35,"sourceReadAt":"2026-11-05"},{"name":"Mercury Pro","unit":"flat","price":"$299/month (billed annually)","features":["Everything in Mercury Plus","Relationship manager","Invoice with ACH debit ($0/transaction)","NetSuite categorizations","Unlimited 1099 tax filings","Priority Support"],"isPopular":false,"sourceUrl":"https://mercury.com/pricing","sourceQuote":"$299 per month For businesses with complex operations that need a relationship manager.","priceMonthly":299,"sourceReadAt":"2026-11-05"}],"currency":"USD","billingNote":"Mercury is free ($0 a month). Mercury Plus is $35/month, or $29.90/month on annual pricing (15% off). Mercury Pro is $299/month on annual pricing.","hasFreeTier":true,"hasFreeTrial":true,"freeTrialDays":30},"costFacts":null,"pricesByRegion":null,"verdict":"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. This pricing is best for startups and growing businesses seeking cost-effective, high-value financial services.","bestFor":"Early-stage startups seeking free banking | Businesses with significant idle cash | Founders needing integrated business/personal finance","hiddenCosts":["Non-USD international wires carry a 1% currency exchange fee and non-USD card transactions a 3% fee"],"recentChanges":[{"date":"2026-11-05","summary":"Business Banking, Treasury and Personal tiers replaced by Mercury (free), Mercury Plus ($35/month, $29.90 on annual pricing) and Mercury Pro ($299/month, annual pricing); Treasury is a $250K-balance feature and Personal ($240/year) a free extra with any business plan; listing set to freemium."}],"priceHistory":[{"date":"2026-11-01","entryPrice":35,"plans":[{"name":"Mercury","price":"Free"},{"name":"Mercury Plus","price":"$35/mo"},{"name":"Mercury Pro","price":"$350/mo"}],"source":"read","url":null},{"date":"2026-11-04","entryPrice":29.9,"plans":[{"name":"Mercury","price":"Free"},{"name":"Mercury Plus","price":"$29.90/mo"},{"name":"Mercury Pro","price":"$299/mo"}],"source":"read","url":null},{"date":"2026-11-12","entryPrice":35,"plans":[{"name":"Mercury","price":"$0/mo"},{"name":"Mercury Plus","price":"$35/mo"},{"name":"Mercury Pro","price":"$350/mo"}],"source":"read","url":null}],"partnerLink":false,"provenance":{"lastVerifiedAt":"2026-11-12","sourceUrl":"https://mercury.com/pricing","confidence":"high"},"source":"Toolradar","citation":"Toolradar, verified 2026-11-12, https://toolradar.com/tools/mercury/pricing","affiliateUrl":"https://toolradar.com/api/go/mercury?ref=mcp&key=json","toolradarUrl":"https://toolradar.com/tools/mercury/pricing"}