No minimum balances
Free bank accounts
Free domestic wires
Free USD international wires
1% fee on currency exchange
All the details
Our pricing works with your business, whether you’re bootstrapped or venture-backed.
General
Account opening
Free
Minimum deposit
$0
Monthly fees
None
Overdraft fees
None
Accounts
Checking account
Savings account
Physical and virtual debit cards
Mercury Treasury
Closed beta
Payments
Sending & receiving ACH
Free
Sending & receiving checks
Free
Sending domestic wires
Free
Receiving domestic wires
Free
Sending international wires
Free
Receiving international wires
Free
Currency exchange**
1%
Company Tools
Transactions API access
Payments API access
Team management
Bookkeeper access
Payment management
...And more
Third-party integrations
Partner perks and rewards
Celebrations
Pricing FAQ
So everything besides currency exchange is free?
Mercury doesn't charge fees for anything except for specific advanced features: mass payments on our API, treasury management, and non-USD currency exchange.
How does Mercury make money?
When you use your debit card, Visa and Mastercard charge a fee to the merchant. Mercury receives a percentage of this fee, known as interchange.Our partner bank also earns a small amount of interest on deposits, and Mercury receives a percentage of this amount.
How do you price currency exchange?
There is a conversion fee (1% on the USD amount). This helps us cover the cost associated with sending money internationally through the SWIFT network. If your company is exchanging >$200K, reach out to us to chat fees.
What are "celebrations"?
Glad you asked. Whether it's raising a round, launching a cool feature, going public, or hitting a milestone, we follow along with your wins and send you gifts throughout the year. Make sure you keep an eye out for Mercury emails.
Want to know more?
