MERCURY

Log In
Open Account

Get growing with
the IO credit card

Unlock unlimited cashback, higher credit limits, and spend management tools. Exclusively for Mercury account holders.

Contact Sales
Open Account
Contact Sales

Engineered for the startup journey

Explore Demo

1.5% cashback on all spend

Easy and straightforward rewards

Higher credit limits for startups

Harness more spending power

Low cash balance minimum

Qualify with a $25K balance

Instant virtual cards for your team

Start spending immediately

Spend management tools

Maintain control as you scale

Simplify your finances

Consolidated banking and cards

Scale confidently with powerful spend management tools

Cards for your team

Issue as many cards as you need to your team – individually or in bulk with our Google Workspaces integration.

How Mercury Works

Accelerate your growth with the IO Mastercard1

Increase cash flow with automatic cashback2

Unlimited 1.5% cashback on all spend

Automatically deposited into your account

No confusing points system

No manual redemption

Start spending at startup speed

Qualify for IO with an industry-low $25K cash balance minimum3

Get higher credit limits through our startup-friendly underwriting model

Start spending immediately with virtual cards

Get time back with built-in finance automations

  • Close the books faster with QuickBooks and Xero integrations
  • Ditch data entry with transaction categorization syncing
  • Generate NetSuite-friendly reports

There’s more to IO

See Pricing

Free checking and savings accounts

Zero monthly fees or overdraft fees

Free domestic and international (USD) wires

Free ACH transfers

Flat 1% currency exchange fee

1.5% cashback6 on all credit spend

DACAs & letters of credit

Just one part of Mercury’s full financial platform

Open Account
Contact Sales

Bank accounts4

Checking and savings accounts with up to $5M in FDIC insurance

Treasury6

Earn yield on idle cash right alongside your operating accounts.

SAFEs

Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.

Mercury Raise

Connect with investors, founders, and experts via our startup success platform.

Venture debt

Supercharge your growth and extend your runway with Mercury Venture Debt.

Startup perks

Get discounts on hundreds of popular tools, including AWS and Google Cloud.

If you have questions, we have answers

See all FAQs
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).
Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.
We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.
Mercury checking and savings deposits are FDIC-insured up to $5M3 through our partner banks and use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.
Mercury works with two FDIC-insured banks, Choice Financial Group and Evolve Bank & Trust. You can locate your Mercury account’s banking provider by logging in and viewing the banking partner listed on your Mercury statements.
Through each of our partner banks, Mercury customers get access to a sweep network of trusted banks. This sweep network provides up to $5M in FDIC insurance by automatically spreading your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.
Our Treasury* product is offered through an additional partner, Apex Clearing Corp, who is a FINRA-regulated broker-dealer. The mutual funds that you can invest in through Mercury Treasury are managed by Morgan Stanley and Vanguard.
Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address.
We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed here.
We’d love to support residents of more countries over time, so let us know at hello@mercury.com if you live in one of the above countries and we’ll let you know if anything changes.
Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing.
Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month. Learn more about pricing here. 
If your business doesn’t need access to these advanced financial workflows quite yet, don’t worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you’re ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

Ready, set, grow

Start spending – and growing – with credit cards available to Mercury account holders.

Open Account

Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.

  1. You must have an account with Mercury and meet deposit minimums to become eligible for IO.

  2. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard. To receive cash back, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. Learn more about cashback.

  3. Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

  4. Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 4.65% annually on your idle cash. Net yield numbers as of 11/25/2024, and assumes total Mercury deposits of $20M+.

Treasury accounts are advised by Mercury Advisory LLC, an SEC-registered investment adviser (“Mercury Advisory”), and are custodied by Apex Clearing Corporation, a registered broker dealer and member FINRA / SIPC. Treasury accounts are not FDIC insured. For additional information about advisory services provided by Mercury Advisory, please refer to its ADV Wrap Fee B#rochure.

The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.



Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.



This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.



Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.



Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.



Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group, Column N.A., or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group, Column N.A., or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.