Business banking
Business banking built for startups
Designed for
US startups that want a fast, API-friendly bank account, including founders based outside the US.
Limitations
Only for US-registered companies, and not designed for building products on top of.
Invoices your customers pay by card or ACH debit, also available through the API.
medium confidence
Domestic ACH and wires, international wires, and API payments to saved recipients.
medium confidence
US dollar checking and savings with FDIC insurance through partner banks, plus Treasury for idle cash.
medium confidence
Debit cards and the IO corporate credit card with spend controls.
medium confidence
Not offered.
Mercury Treasury invests idle cash in government money market funds and, since August 2026, an ultra-short bond fund. It is not FDIC insured, may lose value, and carries a 0.15–0.60% fee.
Last rate we saw: Up to about 3.6% net, for the largest balances (May 2026)
Only for businesses in US.
medium confidence
What Mercury has announced or is testing. Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Mercury Bank, N.A.
The OCC gave preliminary conditional approval for Mercury’s own national bank. It still needs final OCC sign-off plus FDIC and Federal Reserve approvals. Until then, deposits stay with partner banks and existing accounts carry on unchanged.
No date given · Announced Apr 2026
Deeper review
What you can build on Mercury: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Mercury’s API manages your own accounts; there is no product for creating accounts for your users.
medium confidence
Not a payment processor.
API payments to saved recipients by ACH or wire. Fine for paying vendors, not built for paying a platform’s users at scale.
medium confidence
Embedded finance for your users
Give your users financial products under your brand.
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Mercury Personal is Mercury’s own consumer banking; you cannot build consumer products on it.
medium confidence
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
AI agents
Build with AI tools, and let AI agents shop and pay.
Hosted MCP server in beta: AI assistants can read balances, transactions, cards and recipients, with OAuth sign-in.
medium confidence
Does not process checkout payments, so there is nothing for an agent to check out with.
medium confidence
Available in 1 of the 170 countries we track.
Requires a US-registered company. Founders outside the US often qualify through a Delaware company. Deposits sit with partner banks; Mercury has conditional approval for its own national bank charter.
High confidence: matches the provider’s published country list. Spotted a wrong country? Report it on that country’s page.
North America · 1
Mercury onboards businesses registered in 1 of the 170 countries we track. Available: United States.
Countries where Mercury onboards businesses (fully or with limits), by region: North America 1 of 2, Latin America 0 of 26, Europe 0 of 43, Middle East 0 of 14, Africa 0 of 49, Asia-Pacific 0 of 36.
Accept payments: Invoices your customers pay by card or ACH debit, also available through the API. Pay people abroad: Domestic ACH and wires, international wires, and API payments to saved recipients. Multi-currency account: US dollar checking and savings with FDIC insurance through partner banks, plus Treasury for idle cash. Business cards: Debit cards and the IO corporate credit card with spend controls. Yield on idle cash: Mercury Treasury invests idle cash in government money market funds and, since August 2026, an ultra-short bond fund. It is not FDIC insured, may lose value, and carries a 0.15–0.60% fee.
No stablecoin products are listed for Mercury.
Sub-accounts for your users: No (Mercury’s API manages your own accounts; there is no product for creating accounts for your users). Split payments and platform fees: No (Not a payment processor). Embeddable UI: No (No embeddable components). Pay out to your users: Partly (API payments to saved recipients by ACH or wire. Fine for paying vendors, not built for paying a platform’s users at scale).