# Mercury review (2026): is the free plan enough?

> Business banking with cards, expenses, bill pay and invoicing

Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA.

Mercury is a fintech company that offers business checking and savings, company debit and credit cards, expense management, bill pay and invoicing from one dashboard. It is not an FDIC-insured bank; accounts are provided through partner banks Choice Financial Group and Column N.A. Paid plans add invoicing extras and support, and Books and Payroll are sold as add-ons.

- **Category:** Spend & Bill Pay
- **Made by:** Mercury
- **Website:** https://mercury.com
- **Runs on:** Web, iOS
- **Who should skip it:** Skip it if you use Android, as only web and iPhone are listed.
- **Facts last checked:** Nov 13, 2026

## Pricing

As of Nov 13, 2026, Mercury has a free plan, and paid plans start at $29.90 per month, billed annually.

- **Pricing model:** Free plan
- **Free plan:** The Mercury plan is $0 a month with checking and savings, cards, expense management, invoicing and bill pay.
- **Free trial:** 30-day free trial of Mercury Plus.

| Plan | Price | What you get |
| --- | --- | --- |
| Mercury | $0 | No monthly fees or minimum balance. Includes company cards, expense management, bill pay, invoicing and free USD ACH, wires and real-time payments. |
| Mercury Plus | $29.90 per month, billed annually | Adds recurring invoices, ACH debit invoicing at $1 per transaction, unlimited 1099 filings, priority support and 6 months of free Xero. |
| Mercury Pro | $299 per month, billed annually | Adds a relationship manager, ACH debit invoicing at $0 per transaction and NetSuite categorizations on top of what Plus has. |

Read from https://mercury.com/pricing on Nov 13, 2026. Prices change, so confirm with Mercury before buying.

## Ways to pay less

- **15% off with annual billing** (Annual discount): The pricing page toggle reads Annual Pricing (15% off), and was on by default when read. The monthly-billed price is not shown. Source: https://mercury.com/pricing

## Key features

- **Company cards:** Virtual and physical debit and credit cards, with custom spend limits, merchant-locked cards and duplicate subscription detection. Corporate credit cards earn 1.5% cashback.
- **Expense management:** Employee cards with limits, automatic receipt matching for card transactions, custom categories and reimbursements, including mileage.
- **Bill pay and payments:** Free domestic ACH, wires, real-time payments and checks in USD, plus payment by ACH debit or wire drawdown.
- **Invoicing:** Unlimited invoices that accept card, Apple Pay, Google Pay, wire and ACH, with recurring invoices on paid plans.
- **Accounting integrations:** Syncs with accounting tools such as QuickBooks, Xero and NetSuite.

## Good for

- Startups and small companies that want banking and spend controls in one account
- Teams that issue cards to employees and want receipts matched automatically
- Businesses that send many USD payments and want no per-payment fees

## Worth knowing

- 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.

## ToolGPA grades

**GPA: 3.0 out of 4**, graded Nov 13, 2026. Mercury is online business banking with checking, savings, company cards, expense management, bill pay and invoicing on a $0 plan. It isn't an FDIC-insured bank, and Plus at $29.90 and Pro at $299 add invoicing extras and support, while Books and Payroll cost extra.

- **Value for money: B.** The Mercury plan is $0, with Plus at $29.90 a month and Pro at $299 on yearly billing. The core is free, so the paid plans are optional.
- **Free plan and trial: A.** The $0 plan has no monthly fee or minimum balance, with cards, expense management, invoicing and bill pay. A 30-day free trial of Plus is offered.
- **Features: B.** Company cards, expense management, bill pay and payments, invoicing and accounting integrations on the free plan. Nothing in the listing shows a gap in the core work.
- **Ease of use: C.** No store rating on record. You open a business bank account, which takes setup and verification.
- **Platforms and integrations: B.** Web and iPhone, with QuickBooks, Xero and NetSuite. No Android or desktop app listed.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Mercury's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews.

## Where it stands among spend and bill pay tools

- Mercury's GPA of 3.0 is higher than 69 of the 76 other spend and bill pay tools we grade, and level with 4.
- It stands best on free plan and trial (A, above 71 of 76) and worst on ease of use (C, above 0).
- Its paid plans start at $29.90 a month, against a middle price of $12 for the category: 27 of the 36 others that charge start lower.
- On features, ease of use and platforms it scores 2.7 out of 4. 7 tools score higher and cost less.

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, or make your own?

**Keep it.** To replace Mercury you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. It is one of the better ones too: its GPA of 3.0 is higher than 69 of the 76 other spend and bill pay tools we grade. It costs $358.80 a year.

- You could make: Expense tracking and invoicing: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Money moved between bank accounts, which takes a licensed payments partner.
- You could not: Payroll taxes worked out and filed with the government for you.
- You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them.
- You could not: A real app for iOS. Something home-made would be a web page.
- You could not: The depth: we grade its features B, which means it covers the whole job.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.9 out of 5 from 13,837 ratings in the United States, read Nov 13, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1491984028

## Works with

QuickBooks, Xero, NetSuite

**Tags:** Expense tracking, Company cards, Bill pay, Invoicing, Payroll, Bookkeeping

## Alternatives

- [Relay](https://toolgpa.com/tools/relay): Online business banking with bill pay, cards and expenses. [Compare](https://toolgpa.com/compare/mercury-vs-relay)
- [Novo](https://toolgpa.com/tools/novo): Free business checking with invoicing, bill pay and debit cards. [Compare](https://toolgpa.com/compare/mercury-vs-novo)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-mercury)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/mercury-vs-ramp)
- [Rho](https://toolgpa.com/tools/rho): Business banking, corporate cards and expense tools in one app. [Compare](https://toolgpa.com/compare/mercury-vs-rho)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 13, 2026:

- https://mercury.com
- https://mercury.com/pricing

Page: https://toolgpa.com/tools/mercury
Listed by ToolGPA (toolgpa.com).