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Mercury Reviews 2,325

TrustScore 4 out of 5

4.1

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers appreciate the user-friendly interface and streamlined processes, which make managing finances easier. People find the platform efficient, with features like easy expense categorization and report exporting simplifying financial management. Consumers also value the ability to customize debit cards and set up rules for dispersing money. The website is clean, intuitive, and easy to navigate, making day-to-day banking tasks straightforward. However, some reviewers report issues with payments, specifically regarding credit card options and transfer limits. Some consumers express frustration with the lack of immediate support, noting the absence of phone or chat options. A few reviewers mention account closures and frozen funds, along with difficulties in resolving these issues promptly.

Based on these reviews

Rated 4 out of 5 stars

Having a virtual card for each vendor is awesome. The $2,500 per day transfer in limit with a 3 business day waiting period keeps money tied up longer than I'd prefer. You start with virtual deb... See more

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Rated 4 out of 5 stars

Great, lot's of features, love the automations and bill pay.. and multiple users. Only ONE complaint... All our previous banks allowed me to put recipients of payments into groups, (vendors, subcon... See more

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Rated 5 out of 5 stars

Mercury has streamlined every financial operation in our backend and those of our clients. Managing AR/AP, direct wires & ACH payments all in one place has made our life so much easier. The interface... See more

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Rated 5 out of 5 stars

Love the versatile of Mercury! They offer a ton of awesome perks with other great businesses as well. You can customize how many debit cards you need as well as accounts. Also, easy to set up rules to... See more

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Rated 5 out of 5 stars

Application was processed within 10 minutes of submission and documents were reviewed and approved right away. Response time was impressive. The software is best-of-breed, second only to Brex. O... See more

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Rated 5 out of 5 stars

Mercury feels like the rare bank that actually gets what modern businesses need. The entire account‑opening process is smooth, intuitive, and refreshingly free of the usual friction you hit with tra... See more

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Rated 5 out of 5 stars

Everything about Mercury so far is extremely streamlined and organized. I love the category system that they have in place and other tools to make conducting business easy. There compliance team is al... See more

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Rated 1 out of 5 stars

Don't waste your time using Mercury, it was a horrible experience from the start. They do not want their customers buying crypto. At all. Very misleading. The credit card balance for their acco... See more

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Rated 5 out of 5 stars

It's the best bank I've ever used. Download all statements in 1 click, statements start and stop at the end of the month like sane people would do, properly names and dates statements, free wire or... See more

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Rated 5 out of 5 stars

I don't know if it's just me, but I automatically dislike banks. They are usually full of red tape and use antiquated tech. Luckily, Mercury is not a bank and it shows! My experience was the complete... See more

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Rated 1 out of 5 stars

In your reviews you asked me to follow-up through the help support email. I got a generic AI BS response...like legit i had a bit of hope but nvm... "Hello Ahmar, I'm Mercury's Supp... See more

Rated 5 out of 5 stars

I have been using Mercury for my own firm as well as for my clients. The experience is easy and seamless. The fees (or lack of them) are transparent. Support is swift. It makes my banking experience e... See more

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Rated 5 out of 5 stars

Honestly, Mercury is incredible. It's the first business bank that actually feels like a modern tech company. First off, they have zero annoying fees. No monthly fees, no minimums, and best of al... See more

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Rated 5 out of 5 stars

Mercury is hands-down our favorite online bank provider (and we've tried more than 4 others). Their product is beautiful. Communication and help are timely. Setting up an account is easy and we love s... See more

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Rated 1 out of 5 stars

Based in Mexico. Mercury handles wire transfers for Ruul. Two international wires were rejected (Dec 26 and Jan 13), with no clear explanation and no confirmed setup that works from Mexico.... See more

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Rated 5 out of 5 stars

I've used Mercury for two companies now and couldn't be happier with them. Their UI is amazing, and everything just works. Perfect for a digital-first company. We use the Profit First accounting syste... See more

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Rated 5 out of 5 stars

Everything a financial institution should be in this day and age. Their Product Managers are always one step ahead of anticipating what a user would want from their provider and have the features buil... See more

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Rated 5 out of 5 stars

I run my business on my own, and Mercury has made managing money so easy. Transferring funds to my personal account is super simple, and keeping my accounting up to date is no stress at all. I love... See more

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Rated 5 out of 5 stars

Overall, the onboarding experience was fantastic. Getting through the required documents and identity was really clean and straightforward. I guess my only little bit of feedback was that my in... See more

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Rated 5 out of 5 stars

I've had a very good experience with Mercury Bank. Mercury has a bunch of great feature for free. For instance free ACH transfers and the ability to create virtual cards with unique limits and vendor... See more

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Rated 1 out of 5 stars

Shocking company. Bullies and management focus on invoice and not the project it's self. No management provided just quote and chasing invoice.. Further more their follow up maintenance... See more

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Rated 1 out of 5 stars

Declined without reasons What fustrates me more is that when i ask for reasons they refuse to share. I followed up on reasons and what more i can provide to help revert the decision but they ref... See more

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Rated 1 out of 5 stars

Transfers typically takes more than the stated processing times. The tracking link they provide will be stuck in "Initiated" for days without being passed onto "Processing" This makes things harder... See more

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Rated 1 out of 5 stars

Absolutely horrible experience. From the first deposit - they told me could take 4-5 business days then when I opened a support ticket on the 4th day they said actually it may be cleared the 6th... See more

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Rated 5 out of 5 stars

I've been very pleased with Mercury for our banking. I was drawn to them from Carta because they're really friendly towards SaaS startups like us and provides all the online solutions we need. It's ke... See more

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Rated 1 out of 5 stars

It’s been 5 business days and my bank can’t release the funds until Mercury provides the IMAD, but they’ve stopped responding to my emails. Instead of helping, they accused me of defamation, blocked m... See more

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Rated 4 out of 5 stars

Great customers service so far, good detailed and relevant responses. Clearly provided by a thinking human, which is rare these days, so 5-stars for that. I knocked off one star because of the abse... See more

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Rated 5 out of 5 stars

They’ve been responsive, catered to needs and demands with amazingly their High Performance Customer Support Service, which is impeccable. Your Money, makes Money through their products they offer. Yo... See more

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Rated 1 out of 5 stars

This is a follow-up to my previous review. Mercury still hasn’t paid out my remaining balance. They claim I violated their terms of use—but apparently, violating their terms means they get to keep my... See more

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Rated 1 out of 5 stars

As a follow-up to my ongoing case, I’ve now provided Mercury with valid U.S. bank account details, as requested. Despite this, I’m still waiting for them to process the disbursal of my funds. I sincer... See more

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Rated 1 out of 5 stars

I lost access to my account and it seems to be nearly impossible to get any help restoring it. Since there is no way to call anyone and you can't even communicate unless you are logged in, it is diff... See more

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Rated 1 out of 5 stars

Support was disabled after reaching out. My account was closed back in October, no issues there. On November I got a refund sent to my Mercury card. Tried asking Mercury how to process that refund s... See more

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Rated 5 out of 5 stars

I’ve been using Mercury for a while now and the experience has been consistently great. Their support team is genuinely responsive and quick to resolve any issues whenever they come up, which makes a... See more

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Rated 5 out of 5 stars

The Best Partner for Startups Mercury has been the perfect partner for starting our new business in the U.S. Their service platform is simple and user-friendly, and their support team is alway... See more

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Rated 1 out of 5 stars

Mercury bank is a joke to say the least. A simple business account for checking is like pulling teeth with this company. What do they think you are going to do. I would not recommend this bank to anyo... See more

Rated 1 out of 5 stars

Account was shut down without any notice or reason, funds in the account are taking minimum 60 days to be released and are being sent by mail. High risk for someone to just snatch the money being se... See more

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Rated 4 out of 5 stars

UPDATE: They are working with me on additional documentation to increase the wire limits. I wish they had a phone number to call, but hopefully they will be able to adjust the limits. I only swi... See more

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Rated 4 out of 5 stars

Seriously, I wouldn't have done it any differently. This type of banking is built for startups. Creating accounts, adding employees, moving money, connecting to third party apps, being approved for... See more

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Rated 1 out of 5 stars

Wasted 30 minutes applying for an account was denied wo explanation. its a totally vanilla use case to make a pre ipo investment. Nothing that could be a red flag. Walked into Chase got it done in sa... See more

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Rated 2 out of 5 stars

its a crap shoot whether or not application will be accepted. first time i tried, something went wrong, but nobody could tell me what. i believe it had something to do with the one of the addresses,... See more

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Rated 5 out of 5 stars

Phenomenal. I'm starting a new venture, busy days - I applied for a Mercury business account in the middle of the night, did KYC with DL and selfie, SSN, added LinkedIn profile.  Account approved by... See more

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Rated 5 out of 5 stars

Bank changed my life, when First Republic and Silicon Valley bank went out of business the same week. Mercury had all my businesses up and runnng in 7 days. Plus their invoice and expense features... See more

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Rated 2 out of 5 stars

My account was suddenly banned, most likely due to a mistake from Sumsub (the KYC provider). They flagged my verification incorrectly, but I’ve already resolved the issue on their end. I’ve alw... See more

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Rated 1 out of 5 stars

Taking 5 days for bank deposits to hit, can't do line item details on invoices within the free version, the accountant's portal is not easily working with clients (have a meeting scheduled to review t... See more

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Rated 1 out of 5 stars

ABSOLUTELY HORRIBLE CUSTOMER SERVICE!! They have frozen my bank account and requested I submit documentation. I submitted that documentation immediately. But my accounts are still frozen. I have calle... See more

Rated 1 out of 5 stars

I opened a business account, and transferred money via wire from my old account. In my business I fund other businesses and certain types of real estate. I needed to wire money out for a transaction... See more

Company replied


Company details

  1. Bank
  2. Non-Bank Financial Service
  3. Software Company

About Mercury

Written by the company

Mercury is the fintech that brings all the ways people and businesses use money into a single product that feels extraordinary to use. With banking*, credit cards, and software, Mercury helps more than 200K ambitious companies and entrepreneurs make better decisions and build their businesses. To learn more, visit Mercury.com.

  • Used by founders, finance leads, and operators at startups and SMBs
  • Common use cases: paying vendors and contractors, managing team spend, and reconciliation
  • Suitable for multi-entity structures that need shared controls and permissions
  • Supports companies seeking operational efficiency without expanding headcount
  • Up to $5M in FDIC insurance* on deposits through our partner banks’ sweep networks

Mercury combines checking & savings accounts with payments, spend control, and finance ops automation in one place.

  • Business checking and savings with digital onboarding and a streamlined web/mobile interface
  • ACH, free domestic and international USD wires from Mercury, low-fee non-USD transfers, and mailed checks
  • Debit and credit cards** with customizable limits, merchant/category controls, real-time visibility, and cashback
  • Automated tools for billing, invoicing, and approvals with accounting integrations
  • Cash management options, including venture debt

Mercury addresses the inefficiencies of legacy banking and the fragmentation of multiple finance tools by centralizing workflows and reducing payment friction.

  • Automates manual tasks like bill pay, invoicing, approvals, and reconciliation to speed up month-end close
  • Replaces branch visits and opaque fees with transparent, smooth money movement
  • Compliant onboarding and monitoring designed to protect businesses and reduce surprises
  • Fast, knowledgeable customer support across multiple channels

The data:

  • Raised $500M in primary and secondary funding from top-tier venture capital firms and angel investors, athletes, entertainers, and 2,500 Mercury customers
  • $3.5 billion valuation in March ’25
  • 11 consecutive quarters of profitability based on both EBITDA and GAAP net income (as of April ’25)
  • $500 million in revenue in 2024
  • More than 200K customers
  • 40% growth in customers in 2024
  • $156 billion in annual transaction volume in 2024, up 64% year-over-year
  • Customer NPS of 75*** (compared to banking industry average of 34)
  • 1 in 3 startups use Mercury****
  • More than 50% of YC cohorts choose Mercury

*Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

**The Mercury Debit Cards are issued by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC, pursuant to licenses from Mastercard®. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.

***Net Promoter Score (NPS) information and ratings are available at https://customergauge.com/benchmarks/blog/financial-services-nps-benchmarks.

****Calculation based on US-based companies that received an angel, pre-seed, or Series A investment reported on Crunchbase in the most recent year.


Contact info

4.1

Great

TrustScore 4 out of 5

2K reviews

5-star
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1-star

Replied to 92% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

I’ve had a fantastic experience with…

I’ve had a fantastic experience with Mercury.

The UI/UX is honestly one of the best I’ve seen in any financial platform. Everything is intuitive, fast, and thoughtfully designed. You can tell they truly understand how founders and operators think — the dashboard is clean, transactions are easy to track, and core actions (wires, ACH, cards, user permissions) are seamless.

Customer support has also been outstanding. Responses are quick, clear, and genuinely helpful — not scripted or robotic. When I’ve had questions, they’ve been handled efficiently and with real attention to detail.

It’s rare to find a banking platform that combines strong functionality with such a polished experience. Highly recommended for startups and digital businesses.

11 February 2026
Mercury logo

Reply from Mercury

Thank you so much for your review, Juan! We’re thrilled the experience has felt intuitive and founder-friendly.

Rated 5 out of 5 stars

Righ the spot..team really help to…

Righ the spot..team really help to speed up application.

6 February 2026
Mercury logo

Reply from Mercury

Hi Pravin, I'm glad our team could support you with your application. We're thankful to be a part of your business journey!

Rated 5 out of 5 stars

Easy to set up

Easy to set up, highly capable. Frictionless in all regards.

15 January 2026
Mercury logo

Reply from Mercury

Hi Jason, thank you so much for the review! I'm glad you're finding Mercury easy to use.

Rated 5 out of 5 stars

Always one step ahead of my needs

Always one step ahead of my needs.
Modern, simple and quick.
Definitely the best bank for any LLC company.

9 February 2026
Mercury logo

Reply from Mercury

Thanks for the kind words! We're glad Mercury's been a great fit for your business and that you're enjoying the modern, simple experience.

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 1 out of 5 stars

Continues to be useless

In your reviews you asked me to follow-up through the help support email.

I got a generic AI BS response...like legit i had a bit of hope but nvm...

"Hello Ahmar,

I'm Mercury's Support Assistant, an AI-powered tool designed to help you with questions about Mercury's financial services and your Mercury account.

Our onboarding team reviews each application by hand, and takes a holistic view of your application and business information and makes their application decisions based on a variety of internal factors.

I know this may be frustrating, but we are unable to provide more detailed information as to the reason why your application was denied, and aren't able to reconsider.

I wish you the best of luck with your business.

Kindly,
Mercury Support Assistant · AI"

10 February 2026
Unprompted review
Rated 5 out of 5 stars

Mercury is easy to use and fast

Mercury is easy to use and fast, and its interface is very nice.

10 February 2026
Mercury logo

Reply from Mercury

Thanks for the feedback! We're glad you're finding Mercury fast and easy to use, and that you're enjoying the interface.

Rated 5 out of 5 stars

One of the finest bank to use

One of the finest bank to use. Very easy set up, amazing interface, so much better than other big banks. I highly recommend mercury

9 February 2026
Mercury logo

Reply from Mercury

Thanks for the recommendation! We're glad to hear the setup was easy and that you're enjoying the interface. We really appreciate you choosing Mercury!

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 5 out of 5 stars

Banking is easy with Mercury

Banking is easy with Mercury! real-time dashboards with no complexity are the best!

9 February 2026
Mercury logo

Reply from Mercury

Thanks for the feedback! We're glad you're enjoying the real-time dashboards and finding the platform simple and easy to use.

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 5 out of 5 stars

2 years with Mercury

2 years with Mercury
one of the best banking experiences i have now. I use them more than my own personal Canadian bank accounts. Can't recommend them enough

9 February 2025
Mercury logo

Reply from Mercury

Thanks so much for sharing! We're thrilled to hear Mercury has been such a great experience for you, and it means a lot that you'd recommend us. We really appreciate you being with us!

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 5 out of 5 stars

Reliable platform with excellent support

I’ve been using Mercury for a while now and the experience has been consistently great. Their support team is genuinely responsive and quick to resolve any issues whenever they come up, which makes a big difference. The interface is clean, intuitive, and easy to navigate, so day-to-day banking tasks are straightforward and hassle-free. Overall, it’s been a very reliable platform and I’m extremely satisfied with the service.

1 January 2026
Mercury logo

Reply from Mercury

Thanks for the kind words! We're glad to hear you've had a great experience with our support team and found the platform easy to use. We really appreciate you taking the time to share your feedback.

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 5 out of 5 stars

It’s the best

It’s great, no complaints and love the little surprises from Mercury like free tea. It suprised me one day and since then it’s just been a +1

7 February 2026
Mercury logo

Reply from Mercury

Thanks for the review, Brian! We're glad to hear that you enjoyed the tea surprise.

Rated 5 out of 5 stars

Mercury pClean, efficient banking platform for startupsrovides a clean and…

Mercury provides a clean and well-designed banking experience that works especially well for startups and small businesses.

Account setup was straightforward, the interface is intuitive, and core features like transfers, cards, and integrations are easy to manage. I particularly appreciate the transparency and the absence of unnecessary friction in day-to-day banking operations.

Overall, it’s a solid, modern business banking solution that focuses on usability and efficiency.

6 February 2026
Mercury logo

Reply from Mercury

Thanks for the review, Daniel! We’re glad the experience has been smooth and friction-free.

Rated 5 out of 5 stars

Smooth onboarding and fast human…

Smooth onboarding and fast human customer support that actually solves issues

6 February 2026
Unprompted review
Mercury logo

Reply from Mercury

Thanks for sharing, Anthony. We’re happy the onboarding was smooth and that our support team could help quickly.

Rated 5 out of 5 stars

Mirei the miracle of Mercusys!

Mirei was refreshingly bright and cheerful, and a delight to work with to solve my issues in connecting up a Mercusys/Halo internet signal Wifi booster matter.She is an asset to the company.
Note this review is about Mercusys, not Mercury.

3 February 2026
Unprompted review
Mercury logo

Reply from Mercury

Hi Blue, thanks for leaving your feedback. However, we don't see an account under this name with us. Perhaps this was meant for a different Mercury business? Please reach out to [email protected] if your account is under a different name or email address, and we'd be happy to help!

Rated 5 out of 5 stars

Very simple to open the account

Very simple to open the account, website and phone app very easy to navigate. My one and only question was quickly and efficiently dealt with.

5 February 2026
Mercury logo

Reply from Mercury

Thanks for sharing, Guy. We’re glad the setup was simple, the platform easy to use, and that your question was handled quickly.

Rated 5 out of 5 stars

Love the versatile of Mercury

Love the versatile of Mercury! They offer a ton of awesome perks with other great businesses as well. You can customize how many debit cards you need as well as accounts. Also, easy to set up rules to disperse money to accounts as well. Easy to control and setup spending for employees too. Great business banking institution!

5 February 2026
Mercury logo

Reply from Mercury

Hi Brian! Thank you so much for the review. I'm glad to hear you're loving Mercury's features and versatility.

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 5 out of 5 stars

Mercury has transformed my business in…

Mercury has transformed my business in how I bank, pay invoices, receive payments, and stay organized with finances. The speed at which I can move compared to a traditional bank is comical.

5 February 2026
Unprompted review
Mercury logo

Reply from Mercury

I'm so glad Mercury works well for your business, Sean! Thank you for the kind review and for including us in your journey.

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

Rated 5 out of 5 stars

Seamless international banking, powerful technology!

Mercury has been our startup banking solution since the very beginning and will continue to be so for the foreseeable future.

5 February 2026
Mercury logo

Reply from Mercury

Hi Bassem, thank you so much for the kind review. We're so glad you've chosen Mercury, and we're excited to grow with you.

Please note that Mercury is not a bank; we are a financial technology company that provides services through integrations with various FDIC-insured banking partners.

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