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Alternatives · Spend & Bills

Mercury alternatives

As of Nov 13, 2026, the best Mercury alternative for most people is Ramp (3.6 GPA), first in our ranking of spend and bill pay tools. The best free one is Brex (3.6 GPA).

Mercury compared with 7 alternatives: Relay, Novo, Brex, Ramp, Rho and 2 more.

Mercury has a free plan. Paid plans start at $29.90 per month, billed annually. 5 of the 7 alternatives are free or have a free plan.

Listings checked up to Nov 13, 2026 · Where the facts come from

Black Friday: is there a Mercury sale?

At a glance

ToolPriceFree planRuns on
MercuryThis toolFree plan · from $29.90/moYesWeb, iOS
RelayFree plan · from $30/moYesWeb, iOS, Android
NovoFreeFreeWeb, iOS, Android
BrexFree plan · from $12/moYesWeb, iOS, Android
RampFree plan · from $15/moYesWeb, iOS, Android
RhoPaidNoiOS
StatrysFree planYesWeb, iOS, Android
Wise BusinessFrom $31 one-timeNoWeb, iOS, Android

Price against what you get

Mercury starts at $29.90 a month and scores 2.7 out of 4 on features, ease of use and platforms. 2 of the 4 alternatives on this chart score higher and start lower: Brex and Ramp.

Novo starts lower without scoring higher.

Features, ease of use and platforms, averaged

C2.0B3.0A4.0Free$2$5$10$20$50$100$200$500$1k$2kMore for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessMercuryRelayNovoBrexRamp

What paid plans start at, a month (each step along is roughly double) →

  • The best score at each price
  • Has a free plan
  • No free plan
The full chart of spend and bill pay tools, and the best at every price

How each one differs from Mercury

  1. Relay

    Online business banking with bill pay, cards and expenses

    • Relay starts at $30 per month.
    • Relay also lists an Android app.
    • Relay does not cover payroll, which Mercury does.

    Suits: Small businesses that want banking, cards and bill pay in one account

    Relay vs MercuryRelay pricing and details

  2. Novo

    Free business checking with invoicing, bill pay and debit cards

    • Novo is free.
    • Novo also lists an Android app.
    • Novo does not cover bookkeeping and payroll, which Mercury does.

    Suits: Freelancers and small businesses that want banking with no monthly fee

    Novo vs MercuryNovo pricing and details

  3. Brex

    Corporate cards, expenses, bill pay and travel for growing companies

    • Brex starts at $12 per user / month, billing term not stated.
    • Brex also lists an Android app.
    • Brex also covers reports.
    • Brex does not cover invoicing, bookkeeping and payroll, which Mercury does.

    Suits: Startups that want corporate cards and expenses at no software cost

    Brex vs MercuryBrex pricing and details

  4. Ramp

    Corporate cards, expenses, travel and bill pay, with a free plan

    • Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also lists an Android app.
    • Ramp also covers reports.
    • Ramp does not cover bookkeeping and payroll, which Mercury does.

    Suits: US companies that want cards, expenses and bill pay in one free tool

    Ramp vs MercuryRamp pricing and details

  5. Rho

    Business banking, corporate cards and expense tools in one app

    • Rho has no free plan, unlike Mercury.
    • Rho lists no web app, which Mercury has.
    • Rho does not cover invoicing, bookkeeping and payroll, which Mercury does.

    Suits: Companies that want banking, cards and expense tracking from one provider

    Rho vs MercuryRho pricing and details

  6. Statrys

    Multi-currency business account with accounting and company setup

    • Statrys starts at HKD 891 per month and up (Accounting).
    • Statrys also lists an Android app.
    • Statrys does not cover invoicing, payroll and bill pay, which Mercury does.

    Suits: Hong Kong and Asia-focused businesses that pay suppliers in several currencies

    Statrys vs MercuryStatrys pricing and details

  7. Wise Business

    Multi-currency business account for international payments

    • Wise Business starts at $31 one-time set-up fee, then per-transaction fees.
    • Wise Business has no free plan, unlike Mercury.
    • Wise Business also lists an Android app.
    • Wise Business does not cover invoicing, bookkeeping, expense tracking, payroll and bill pay, which Mercury does.

    Suits: Businesses that pay suppliers or contractors in other countries

    Wise Business vs MercuryWise Business pricing and details

Limits worth knowing in Mercury

  • Mercury is not an FDIC-insured bank; banking is provided through Choice Financial Group and Column N.A., Members FDIC.
  • Non-USD international wires carry a 1% currency exchange fee, and non-USD card transactions carry 3%.
  • Mercury Books is $35 a month and Mercury Payroll is $100 a month plus $50 per person paid, both waived until Dec 31, 2026.
  • Treasury, which pays up to 4.21% yield, is available only with a $250K Mercury balance, and Stripe fees apply to credit card invoice payments.
Mercury pricing and details

Common questions

What are the alternatives to Mercury?

The alternatives to Mercury in this directory are Relay, Novo, Brex, Ramp, Rho, Statrys and Wise Business. Each one has a side-by-side comparison with Mercury.

Is there a free alternative to Mercury?

Yes. Novo is free to use. Relay, Brex, Ramp and Statrys have a free plan alongside paid ones.

Which Mercury alternatives work on Android?

The Mercury listing does not include an Android app. Relay, Novo, Brex, Ramp, Statrys and Wise Business list one.

When were these prices checked?

Each listing shows its own date. On this page they run from Oct 18, 2026 to Nov 13, 2026. Vendors change prices without notice, so confirm on their site before you buy.