Business banking · Europe
Does Mercury work in Germany?
Mercury does not onboard businesses registered in Germany.
What a business in Germany can use
Mercury’s products, for a company incorporated in Germany.
Invoices your customers pay by card or ACH debit, also available through the API.
Domestic ACH and wires, international wires, and API payments to saved recipients.
US dollar checking and savings with FDIC insurance through partner banks, plus Treasury for idle cash.
Debit cards and the IO corporate credit card with spend controls.
Mercury does not offer this.
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.
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.
Onboarding confidence: high. Source: Mercury API products overview. Everything about Mercury
Alternatives in Germany
Other providers that serve businesses registered there.
Pay people abroad
Multi-currency account
Yield on idle cash
Selling to Germany
How people there prefer to pay online.
- 1PayPal
- 2Klarna / pay by invoice
- 3SEPA Direct Debit
- 4Visa / Mastercard
- 5Apple Pay / Google Pay
Stablecoin rules in Germany
A licensing regime for stablecoins is in force.
Common questions
Does Mercury work in Germany?
No. Mercury does not onboard businesses registered in Germany.
What are the alternatives to Mercury in Germany?
Providers that onboard businesses registered in Germany: Stripe, Adyen, Checkout.com, PayPal, Worldpay, Airwallex, Wise Business, Payoneer and 3 more. With limits: Bridge and Rain.
Mercury elsewhere in Europe
Other providers in Germany