Mercury Pricing 2026: Free vs Plus vs Pro Plans

Mercury costs $0 a month for business checking and savings, and most companies never need to pay more. Mercury Plus is $35 a month, or $29.90 a month billed yearly. Mercury Pro is $350 a month, or $299 billed yearly. ACH, domestic wires and USD international wires are free on all three, as listed on Mercury's pricing page on 17 October 2026.

The paid plans do not change the bank account. They sell invoicing and finance workflows: recurring invoices, ACH-debit collection, reimbursements for larger teams, unlimited 1099 filings and NetSuite coding. That means the upgrade question is about how you bill customers and close the books, not about banking fees.

Toolradar data: the finance ranking we maintain counted 1,111 finance tools as of 17 October 2026, and Mercury has its own directory page. For the full product write-up, read the Mercury review.

Mercury plans and prices at a glance

Plan	Monthly billing	Annual billing (per month)	What the plan adds
Mercury	Free	Free	Checking and savings, debit and IO credit cards, bill pay, unlimited invoices, bank feeds to QuickBooks, Xero and NetSuite
Mercury Plus	$35	$29.90	ACH-debit invoicing at $1 per pull, recurring invoices, unlimited 1099 filings, priority support, 6 months of Xero
Mercury Pro	$350	$299	Relationship manager, ACH-debit invoicing with no per-pull fee, NetSuite categorizations
Mercury Books	Free in 2026, then the same monthly price as Plus	n/a	Bookkeeping software sold separately from the plans
Mercury Personal	$240 a year	n/a	Personal checking and 3.50% APY savings; included with a business account
Mercury Treasury	No plan fee	Advisory fee of 0.15% to 0.6% a year	Money market and bond fund yields up to 4.05% net, from a $250K Mercury balance

Annual billing saves 15% on both paid plans, per the toggle on the pricing page. On Plus that is $358.80 a year instead of $420, and on Pro $3,588 instead of $4,200. Mercury also offers custom pricing for companies that contact its sales team.

What the free Mercury plan already covers

The free plan is a full operating account, not a trial. It has no monthly fee, no minimum balance and no overdraft penalty. Same-day and next-day ACH, domestic wires, real-time payments, mailed checks and USD international wires cost nothing to send or receive. Mercury also sends up to six complimentary checkbooks a year.

Cards are included too (what a corporate card is). Debit cards and the IO Mastercard, which pays 1.5% cash back on credit spend with no annual fee, come with the base account. That covers a founder and a small team without adding a card program on top.

On invoicing, the free plan lets you create and send unlimited invoices and accept card, Apple Pay, Google Pay, wire and ACH transfer. What it lacks is the pull: you cannot debit a customer's bank account through the invoice. Paying bills from the account needs no subscription either, per Mercury's FAQ.

For accounting, bank-feed imports reach QuickBooks Online, Xero and NetSuite on every plan, and automatic categorizations for QuickBooks and Xero are free. A small company that pays contractors and vendors, uses QuickBooks and invoices a handful of clients each month can stay on this plan indefinitely.

When Mercury Plus pays for itself

Plus is worth it when one of three habits shows up: recurring billing, bank-pull collection or a large 1099 run. Everything else on Plus is a convenience.

Recurring invoices are a Plus feature. If you bill retainers or subscriptions to more than a few clients, the time saved usually justifies the annual Plus price, because the free plan makes you rebuild each invoice by hand.

ACH-debit invoicing costs $1 per pull on Plus. Compare that with card acceptance, which Mercury describes as typically 2.9% plus $0.30 through Stripe. On a $2,000 invoice, a card payment costs about $58.30, while an ACH debit costs $1. Fifteen such invoices a month moved from card to bank pull would save far more than the plan.

1099 filings cost $5 each on the free plan for federal and state NEC and MISC forms. Plus makes them unlimited. The math is direct: Plus on annual billing costs $358.80 a year, so it breaks even on 1099s alone at 72 filings. A startup paying 20 contractors spends $100 on the free plan and should not upgrade for that reason.

Reimbursements are the fourth trigger. Mercury's FAQ says a paid plan is required to reimburse out-of-pocket expenses for more than five active users a month. A twelve-person team that submits receipts every month hits that limit quickly.

Plus also bundles six months of free Xero (three on the free plan), $50 off eligible LegalZoom compliance plans and priority support. These are perks, not reasons to pay.

Is Mercury Pro worth the price?

Pro is for companies on NetSuite, or companies that want a named person at Mercury. The extras over Plus are a dedicated relationship manager, ACH-debit invoicing with no per-pull fee and enriched NetSuite categorizations and rules. QuickBooks and Xero categorizations are already free.

The ACH-debit saving rarely covers the price by itself. Pro on annual billing costs $269.10 a month more than Plus. At $1 per pull on Plus, you would need about 270 ACH-debit collections a month before the waived fee pays for Pro. A business collecting that many bank pulls usually has a billing system already.

That leaves NetSuite. Mercury's FAQ says syncing IO card transactions to NetSuite with enriched automations requires a paid plan, and the comparison table puts NetSuite categorizations on Pro. If your controller spends hours coding Mercury transactions in NetSuite each close, $3,588 a year can be cheaper than the labor. If you use QuickBooks or Xero, Pro has little to offer.

Fees Mercury still charges on every plan

The fees that remain are tied to foreign currency, optional premium wires and Treasury. None of them changes with the plan.

Fee	Amount	When it applies
Non-USD international wire	1% currency exchange fee	Every plan; contact Mercury above $200K of exchange
OUR-coded USD international wire	$15 flat	Optional, so intermediary fees are charged to Mercury instead of the recipient
Non-USD card transaction	3% currency exchange fee	Debit and IO cards, every plan
Card payments on invoices	Typically 2.9% plus $0.30	Stripe processing fee
ACH-debit invoice pull	$1 on Plus, $0 on Pro	Not available on the free plan
1099 federal and state filing	$5 per filing on the free plan	Unlimited on Plus and Pro
Treasury advisory fee	0.15% to 0.6% a year	Already netted out of the published yields

The 3% card fee is the one most teams underestimate. A $1,000 monthly bill from a European software vendor, charged in euros on a Mercury card, costs $30 a month in exchange fees, or $360 a year. Paying that vendor by non-USD wire at 1% would cost $10 a month instead, so recurring foreign bills belong on wire where the vendor accepts it.

Mercury's FAQ says it does not take cash deposits at all, so the missing fee is really a missing service. Businesses that handle cash need a second account, such as Bluevine, which accepts cash through retail and ATM networks for a fee.

Treasury: how Mercury's yield is priced

Mercury pays no interest on business checking; its yield product is Treasury. Mercury Treasury, run by Mercury Advisory LLC, an SEC-registered adviser, opens at $250K across Mercury accounts. It invests in a government money market fund with same-day liquidity and an ultra-short bond fund with one to two days.

Yields below are net of the advisory fee, as of 9 October 2026:

Total Mercury deposits	Government money market	Ultra-short bonds
$250K to $2M	3.28%	3.60%
$2M to $5M	3.43%	3.75%
$5M to $10M	3.53%	3.85%
$10M to $20M	3.63%	3.95%
$20M to $50M	3.73%	4.05%
Above $50M	Contact Mercury	Contact Mercury

There is no fee to open Treasury or to move money in and out. The trade-off is that Treasury holds securities, so the money leaves FDIC-insured deposits and can lose value. LLCs taxed as sole proprietorships and nonprofits cannot open it.

How Mercury's price compares

On plan fees, Mercury's paid tiers sit at the same level as Relay and Bluevine, but they buy different things. Prices below were read on each vendor's pricing page on 17 October 2026.

Account	Free tier	First paid tier	Top tier	What the money buys
Mercury	Yes	Plus, see the plan table above	Pro, see the plan table above	Invoicing and accounting workflows
Relay	Starter, free	Grow, $30/mo	Scale, $90/mo (discounted from $120)	Savings APY of 1.19%, 1.87% or 3.21%, lower payment fees
Bluevine	Standard, free	Plus, $30/mo, waivable	Premier, $95/mo, waivable	Checking APY of 1.3%, 1.75% or 3.0%, discounts on payment fees

The difference is what you pay for. Relay and Bluevine charge per wire and use paid plans to raise interest and discount those fees. Mercury gives the payments away and charges for software. A company that sends ten domestic wires a month pays nothing at Mercury, while the same ten cost $150 a month on Bluevine Standard. A company holding $150,000 earns nothing on Mercury checking, while Bluevine Premier would pay 3.0% on it.

For the head-to-head details, read Mercury vs Relay and the Relay review, and for the wider shortlist see business bank accounts and free business checking accounts.

Which Mercury plan should you pick?

Stay on Mercury (free) if you pay vendors by ACH and wire, invoice a few clients a month by hand, file fewer than about 70 1099s a year and have five or fewer people submitting expenses. That describes most early-stage startups and agencies.

Move to Mercury Plus when you bill recurring retainers, want to pull customer payments by ACH instead of paying card fees, or reimburse more than five people a month. Pay yearly: the annual price is the same software for $61.20 less.

Move to Mercury Pro only if NetSuite coding or a relationship manager has a clear dollar value for your finance team. Companies on Xero or QuickBooks get most of the accounting automation for free. Non-US founders comparing options can also read the non-resident business account roundup.

How we checked these prices

We read Mercury's pricing, Treasury, Books, Personal and FAQ pages, plus Relay's and Bluevine's pricing pages, on 17 October 2026. Break-even figures are our own arithmetic on those published prices. We did not open an account.

Finpresso data: Beehiiv's export for this newsletter, refreshed October 18, 2026, counts 29,000+ active subscribers, with an average open rate of 33%.

FAQ

How much does Mercury cost in 2026?

Mercury's base business account has no monthly fee and no minimum balance. Mercury Plus costs $35 a month or $29.90 a month billed yearly, and Mercury Pro costs $350 a month or $299 a month billed yearly, as listed on Mercury's pricing page on 17 October 2026.

Is Mercury really free?

Yes, for banking. Business checking and savings have no monthly fee, and ACH, domestic wires, real-time payments, mailed checks and USD international wires are free to send and receive. You pay only for optional extras: a 1% fee on non-USD wires, 3% on non-USD card transactions, $15 for an OUR-coded wire and $5 per 1099 filing on the free plan.

What is the difference between Mercury Plus and Mercury Pro?

Plus adds recurring invoices, ACH-debit invoicing at $1 per pull, unlimited 1099 filings and priority support. Pro adds a relationship manager, NetSuite categorizations and ACH-debit invoicing with no per-pull fee. Pro costs roughly ten times as much, so it fits companies on NetSuite rather than small teams.

Does Mercury pay interest on checking?

No. Mercury pays no interest on business checking. Its yield product, Mercury Treasury, opens at a $250K balance across Mercury accounts and showed net yields from 3.28% to 4.05% depending on balance and fund, as of 9 October 2026. Treasury holds securities, not FDIC-insured deposits.

How much is Mercury Books?

Mercury Books costs $35 a month, and Mercury says it is free for all of 2026. It is a separate bookkeeping product, not part of the Plus or Pro plans.

Can I save money by paying Mercury yearly?

Yes. Annual billing takes 15% off both paid plans: Plus drops from $420 to $358.80 a year and Pro from $4,200 to $3,588 a year. The features are the same.

This page is general information, not personalized financial advice. Confirm current prices and terms with Mercury before you open or upgrade an account.

Cite this: Finpresso, "Mercury Pricing 2026: Free vs Plus vs Pro Plans", October 2026.

Finpresso publishes one daily brief on AI and finance. Join at finpresso.com.

Some offers on this page may be paid placements or contain affiliate links.