Mercury Pricing (2026)
Flat monthly fee per account tier rather than per-seat or usage-based — you're paying for a bundle of banking features and yield perks, not per-transaction or per-user access. The 10x jump from Plus to Pro ($29.9 to $299) signals this is really a two-tier system with a premium outlier, not a smooth ladder.
- Mercury
- $0/mo
- Mercury Plus
- $29/mo
- Mercury Pro
- $299/mo
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Mercury
- Banking
- Sending and receiving money
- Access to Treasury*
- Company cards
- Expense management
- Invoicing
- Bill pay
- Accounting
- Taxes
- Mercury Books
Mercury Plus
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero + $100 Amazon gift card
Mercury Pro
- Relationship manager
- Invoice with ACH debit ($0/transaction)
- NetSuite categorizations
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero + $100 Amazon gift card
Does Mercury have a free plan?
Yes: the Mercury plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $29/mo.
What the free plan includes
- Banking
- Sending and receiving money
- Access to Treasury*
- Company cards
- Expense management
- Invoicing
- Bill pay
- Accounting
- Taxes
- Mercury Books
AI Pricing Analysis
Pricing Model
Flat monthly fee per account tier rather than per-seat or usage-based — you're paying for a bundle of banking features and yield perks, not per-transaction or per-user access. The 10x jump from Plus to Pro ($29.9 to $299) signals this is really a two-tier system with a premium outlier, not a smooth ladder.
Tier Strategy
The free tier is the wedge — basic business banking to get startups in the door with zero commitment. Plus targets small teams wanting better FX rates and higher API/support limits, while Pro is aimed at scaling companies that need multiple sub-accounts, higher transaction limits, and dedicated support — the upgrade trigger is usually hitting a wall on limits or needing more sophisticated cash management, not seat count.
Competitive Positioning
Mercury undercuts traditional business banking (which often bundles fees invisibly) by being transparent and cheap at the low end, but Pro at $299/mo positions them as a serious mid-market play competing with treasury and finance-ops tools, not just checking accounts. They're clearly hunting VC-backed startups and scale-ups who'll eventually need Treasury's $250K-balance unlock, not mom-and-pop shops.
Growth Lever
The real expansion lever isn't the subscription tiers — it's balance-gated features like Treasury access at $250K, which pushes companies to consolidate more cash with Mercury rather than just pay more per month. Bundling Mercury Books free through 2026 is a classic land-grab tactic: get startups hooked on the accounting layer now, monetize later once they're dependent on it.
Want the strategist's read on the live page? Read the AI teardown of Mercury's pricing page →
Mercury Pricing FAQ
- How much does Mercury cost?
- Paid plans start at $29/mo, going up to $299/mo for larger teams. You can get started on the free plan before committing.
- Is there a free plan?
- Yes. The "Mercury" plan is free forever, not just a trial. You get banking, sending and receiving money, access to treasury* — plus 7 more features. It's enough to evaluate the product before upgrading.
- Can I try it before paying?
- There's no trial per se, but the free plan lets you use the product indefinitely with some limits.
- How does the pricing work?
- Flat monthly fee per account tier rather than per-seat or usage-based — you're paying for a bundle of banking features and yield perks, not per-transaction or per-user access. The 10x jump from Plus to Pro ($29.9 to $299) signals this is really a two-tier system with a premium outlier, not a smooth ladder.
- Is there a discount for annual billing?
- Annual Pricing (15% off).
- Which plan makes sense for me?
- The free tier is the wedge — basic business banking to get startups in the door with zero commitment. Plus targets small teams wanting better FX rates and higher API/support limits, while Pro is aimed at scaling companies that need multiple sub-accounts, higher transaction limits, and dedicated support — the upgrade trigger is usually hitting a wall on limits or needing more sophisticated cash management, not seat count.
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Comparing Mercury to something specific? Try Mercury vs Bill.com, Mercury vs Brex, or Mercury vs ChartMogul. Or see the best Mercury alternatives, ranked.
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