Mercury | Bank Differently
Business and personal accounts
How much does Mercury | Bank Differently cost?
Prices are current as of 10 Sept 2026.
Mercury | Bank Differently has no in-app products on record in the United States.
10+ alternatives to Mercury | Bank Differently
| Mercury | Bank Differently |   Payoneer - Business Payments |   Found: Business Banking |   Nav Business Funding Roadmap |   Novo - Small Business Checking |   Carta - Manage Your Equity |   Amex Business Blueprint™ |   Lili - Business Banking |   Bluevine |   Relay | Business Banking |   Origin: AI Budget and Track | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.9 | 4.6 | 4.8 | 4.9 | 4.8 | 4.8 | 4.8 | 4.6 | 4.7 | 4.8 | 4.6 |
| Reviews | 22K | 55K | 33K | 22K | 20K | 12K | 8.5K | 7K | 4.2K | 3.9K | 3.8K |
| Released | 2020 | 2013 | 2020 | 2016 | 2018 | 2016 | 2013 | 2019 | 2020 | 2020 | 2023 |
Mercury | Bank Differently reviews
4.9 out of 5, based on 21,946 reviews.
What people like
- Interface is simple and intuitive
- Great for early stage startups
- Easy to send invoices on the fly
- Good customer service response time
What they complain about
- Support never actually helps
- They close accounts without warning
- Transfers take way too long
- App freezes and won't log in
For every business out there
You need Mercury at every stage of business. In the startup phase up until you hit that billion dollar goal. Mercury at every step guiding your financial activities. Scales perfectly with your business needs
Account closed and can’t get my fund
⭐ 1-Star Review Non-US business owners should be extremely careful before relying on Mercury. My experience with Mercury has been extremely disappointing. My business account was approved and operated normally for around a year. I used the account for legitimate business purposes and did not knowingly engage in any prohibited or illegal activity. Then, unexpectedly, Mercury informed me that they were closing my account because of the “nature of the activity observed.” Despite asking for clarification and offering to provide invoices, business records, Shopify records, source-of-funds documentation, or anything else necessary to prove the legitimacy of my transactions, I was not given a meaningful explanation of what activity supposedly caused the closure. What made the situation significantly worse was the handling of my remaining balance. As a non-US resident business owner, I requested that my funds be transferred by wire to another account belonging to me. Mercury refused and informed me that the remaining balance could only be returned by check. For international founders, this can create a serious problem. A US company may have a registered business address associated with a registered agent, while the owner physically lives overseas. Receiving, processing, and depositing a US check internationally can therefore be considerably more difficult than simply receiving a wire transfer. I even offered alternative accounts in my name for the return of my funds, but my request was denied. Based on my experience, I would not feel comfortable keeping significant funds with Mercury or relying on Mercury as my company’s primary business account. Having an account work normally for months and then suddenly losing the banking relationship without being told specifically what activity caused the decision has seriously damaged my trust in the service. If you’re a non-US founder, I strongly recommend considering the potential consequences of an unexpected account closure and understanding exactly how your remaining funds would be returned before keeping substantial balances there. I personally regret relying so heavily on Mercury and would not recommend keeping even a small amount there based on what I experienced.
One nearly flawless year in
So simple. It is your money, and you can do what you want with it. It only lacks more dynamic and even more personalized rules on money hitting an amount to redistribute it to other accounts.
Too Slow for Modern Business
I’ve been disappointed with Mercury. The bank feels very slow overall. Transfers take too long, there’s no Zelle support, and the IO card takes a long time to reflect funds from my account. Overall, it feels like an outdated banking platform that hasn’t kept up with modern business banking needs.
Check deposits
Takes too long to process mobile deposits. I’m used to having my funds available the next business day with Wells Fargo. Considering switching back to Wells Fargo because of this
Game changer
Best banking and app - so easy and functional. I’m a huge fan.
Lost transaction
Just started banking with Mercury, the first international wire we were supposed to receive was lost, customer service has not yet found the transaction for over a month, even though it is registered as completed on the other bank. Nobody to talk to on customer service who can help. Very disappointing first experience.
I Love Mercury
Love banking with Mercury. I love being able to request money and create invoices on a fly.
New version
I cant open my account on the latest version
OWNER
It’s been amazing so far very easy. Thank you for doing business with us.
Biz Credit
This is the most archaic and senseless app I have ever seen. USELESS and terribly inconvenient.
Azikiwe Global logistics LLC
Great bank love the platform and user interface. Just can’t make the switch 100% due to lack of them not having Zelle yet . Car, Boat and Rv Transportation company and deal with lots of customers that pay thru Zelle at times . Can’t wait till that feature is added . Keep up the great work
Invoicing problem
Not bad, but they need to fix the invoicing problem.
Mercury Banking App
Really good app. Simple and intuitive both on mobile and desktop. Among the many features it allows to manage all the transfers inbound and outbound from the app without having to go to your other external account each time. Very convenient. Customer service is also quite fast and responsive and they have a great integrated AI assistant too.
Not what it used to be
I used to be very happy with Mercury, but unfortunately the experience has gone downhill. I’ve been dealing with an issue involving a discrepancy related to a money market fund conversion. Mercury has acknowledged that the problem is on their side, yet more than a week later, I’m still waiting for someone to properly investigate and resolve it. Every day I’ve been told that someone will look into it or get back to me, but nothing actually moves forward. At the time of writing, the issue remains unresolved. Banking is critical to any business, and when something goes wrong, you need to know your bank will take ownership and act quickly. That simply hasn’t been my experience here. I genuinely liked Mercury, which makes this particularly disappointing. At this point, I’m questioning whether choosing a startup bank for our business was the right decision.
Güzel fakat
Türkçe dil seçeneği de olsa süper olur.
Lacks basic of a modern bank
They call themselves fintech company but lack very basic functionalities 1. No instant deposits, it takes three business days. 2. The virtual debit card don’t get accepted by certain vendors. 3. Savings interest rate is a joke, less than a percent. You can’t slap pretty UI and not have basic things work.
Great way to do banking
Highly recommended for early digital entrepreneurs, congratulations team mercury keep improving and keep innovating.
Fix your app
“Something went wrong” every time I try to sign in with a passkey? And asking for a backup code instead of a normal 2fa code when I sign in with a password? I need to access my companies money I have people to pay!
User experience
I admit it’s to navigate
Forgot about iPad?
I am so sick of seeing apps that do so good on iPhone and advertise themselves as such an awesome app until you download an iPad app and all of a sudden you find out that the company was just shy of success because they don’t know how to create iPad apps. That’s the same reason I left cash app as well.
Best financial app
Easily best banking app I’ve ever used
Server error
Literally stopped working won’t log in customer care didn’t even reply. Super terrifying when you have money in this application.
Good
Nice
Wanted the Feature Set but found the no human pit-fall
I applied. Was denied. Not given a reason. Automated messaged a link to a page that says it would give reason for the denial. It didn’t. It’s just a link to the FAQ Replied from my personal email inquiring. Decided to give it one more shot as I really wanted the feature set. For business and personal a real all in one. Got to almost the end of the app then it looped me through, “Please review these sections 03/5”, as if they weren’t filled out? Or info was missing? I’m not sure. I filled it out the exact same way I did the first time. Saw I had an unread message thinking it was from support nope it was another automated message telling me they don’t recognize the email I reached out to them from. And it has several reasons as to how I could have gotten here. That was it. I realized then it’s not worth it. Even though I need feature set if the application process is like this. Then I can only imagine what resolving a problem would be like.
Need a PayPal type payment
As great as this bank has been , I would love an immediate payment method
Don’t . No human customer service .
If you have any problems you have to deal with an AI chat bot and then a human via chat . I am glad I did not put more money in , because if you have a problem there is no help
Cannot open since last update on ios 18.3
Used to work great but since the last update it stays on the mercury logo and freeze, no login appears. Please fix asap
Super Useful
Orders of magnitude better than anything I have ever used for banking both as an app and overall experience, from onboarding to day to day use.
Don’t bother
Recently opened an account as I’m creating a startup. I funded the startup account with my own money. The startup is legally registered as an LLC in Delaware. I started connecting the account to 3rd party platforms like WeFunder. And then suddenly, Mercury decided to close my account – with zero notice! They mailed a check with I have no way of depositing anywhere since *duh* my account was just closed. I wrote and provided all the legal documentation and paperwork proving my business is legitimate. No response.
App is great until you have a problem and you need support…
We had an important transaction to resolve. Opened 2 tickets in 4 days to get help. No response, no update. Would appreciate if someone got in touch with us.
Best banking app
By far the best banking app I have ever used
Fraudulent! Not trustworthy…
I have been experiencing attempted fraud since I opened my accounts. If it wasn’t for me locking the two cards I received and not putting any money into the accounts I would have lost money…They make it impossible to close the accounts, I’ve follow all the instructions and I still can’t close the for my own safety. I can’t get in touch with anyone. This is crazy. They ran all these ads in FB to be fraudulent and dangerous. Don’t do this … You will out your business at risk. I surely regret it.
Anticipation
I have had many bank accounts, and this is my first experience with a bank that anticipates my needs and set up a clear path and design for me to understand how the flow of my money is functioning. It also sets up automatic payments in certain way so that I can not be burdened with excessive administration and everything seems to be in the right place. I would also indicate that it occurs to me there's many more things that I can do with my relationship with Mercury that require me to be as smart as my bank and make use of them so I can learn
Was good up until ..
no issues whatsoever until they flat out rejected my 3rd entity (LLC) for an account, all paperwork was confirmed in order, no reason given, no recourse. Now what? Another bank, is what.
Mercury | Bank Differently FAQ
- Is Mercury | Bank Differently free?
- Yes. The app is free, in all 175 countries it sells in, and it sells nothing inside it.
- Does Mercury | Bank Differently have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to Mercury | Bank Differently?
- Payoneer - Business Payments (4.6 from 55,281 reviews), Found: Business Banking (4.8 from 33,307 reviews) and Nav Business Funding Roadmap (4.9 from 22,024 reviews).
Mercury | Bank Differently download
Last updated 28 days ago.
Mercury | Bank Differently sells in 175 countries. It was released 6 years and 4 months ago, on 13 May 2020. It holds a 4.9 rating from 21,946 reviews.
Supports 1 language: English.
How much does Mercury | Bank Differently make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.