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Paid plans start at $23.95/mo. There's also a free plan.
According to the pricing details checked Nov. 6, 2026, Mercury’s core business plan costs $0 per month, with no monthly fees or minimum balances. Mercury Plus is $29.90 monthly or $23.95 per month billed annually; Pro is $299 monthly or $239.90 billed annually. The pricing page also lists a 30-day Plus trial. The free plan covers core banking, but workflow fees, international transactions and reliance on partner banks deserve a closer look before switching.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Mercury | $0 | $0 | Businesses needing core banking |
| Mercury Plus | $23.95 | $29.90 | Businesses needing more finance workflows |
| Mercury Pro | $239.90 | $299 | Businesses with complex operations |
| Custom | — | Quote | Businesses needing custom plan options |
Add-ons and overages
- Mercury Books: $35/month, waived until Dec 31, 2026
- Mercury Payroll: $100/month plus $50 per person paid per month, waived until Dec 31, 2026
- USD international wires: optional $15 flat fee for OUR processing
- Non-USD international wires: 1% currency exchange fee
- Non-USD card transactions: 3% currency exchange fee
02What the plan grid doesn't tell you
Monthly versus annual
Plus is $29.90 monthly or $23.95 per month billed annually. Pro is $299 monthly or $239.90 billed annually.
ACH debit invoicing
Plus charges $1 per ACH debit invoice transaction; Pro lists this at $0 per transaction.
International transactions
USD international wires can incur a $15 OUR processing fee. Non-USD wires have a 1% currency exchange fee; non-USD card transactions have a 3% fee.
Books and payroll add-ons
Mercury Books is $35/month. Payroll is $100/month plus $50 per person paid monthly. Both are listed as waived until Dec. 31, 2026.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses needing core banking | Mercury | Costs $0 per month and includes free ACH, domestic wires and real-time payments, with no monthly fees or minimum balances. |
| Teams needing more workflows | Mercury Plus | Adds priority support and unlimited 1099 filings; costs $23.95 monthly billed annually or $29.90 month to month. |
| Businesses with complex operations | Mercury Pro | Lists a relationship manager, NetSuite categorizations and $0 ACH debit invoicing; costs $239.90 monthly billed annually or $299 monthly. |
04Is Mercury worth the money?
Mercury’s free core plan is worth a look if you need business banking plus payments, cards and finance tools without a monthly plan fee. Plus and Pro add workflow features, with Pro listing $0 ACH debit invoicing and NetSuite categorizations. But Mercury is not itself a bank: banking services come through partner banks, and Custom pricing is unpublished. We’d weigh those trade-offs against your operating needs; the available details do not support a like-for-like price comparison with other providers.
Mercury pricing FAQ
Does the Mercury credit card have any fees?
The published pricing lists a 3% currency exchange fee on non-USD card transactions. It does not publish a general Mercury credit-card fee schedule, so annual fees, interest rates or other card charges cannot be confirmed from these details. Check the current card terms before applying.
What are the disadvantages of Mercury Bank?
One trade-off is that Mercury is a fintech platform, while banking services come through partner banks rather than Mercury itself. The published pricing also puts ACH debit invoicing at $1 per transaction on Plus, while Pro lists $0. International wires and non-USD transactions can add charges.
Does Mercury offer a high yield savings account?
Mercury says businesses can apply for savings accounts, but the published pricing details do not publish an APY or describe the account as high-yield. Check Mercury’s current account terms for rates and eligibility before deciding where to keep cash.
How profitable is Mercury?
Mercury’s profitability is not published on the vendor's site, so we can’t give a verified figure or margin. The listed plan prices and fees describe what customers pay, not the company’s revenue, costs or earnings. We would not infer profitability from its plan grid.