---
description: Discover the benefits and disadvantages of Mercury.  Learn the software price, see the description, and read the most helpful reviews for UK business users. 
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Mercury Pricing, Cost & Reviews - Capterra UK 2026
---

Breadcrumb: [Home](/) > [Financial Services Software](/directory/31123/financial-services/software) > [Mercury](/software/1084476/Mercury)

# Mercury

Canonical: https://www.capterra.co.uk/software/1084476/Mercury

Page: 1 / 4\
Next: [Next page](https://www.capterra.co.uk/software/1084476/Mercury?page=2)

> Mercury is a banking platform that gives entrepreneurs one product to accomplish everything they want with their money.
> 
> Verdict: Rated **4.9/5** by 56 users. Top-rated for **Likelihood to recommend**.

-----

## Overview

### Who Uses Mercury?

Mercury is used by startups, tech companies, ecommerce brands, agencies, consultants, firms, VC funds, crypto companies, and accounting firms.

## Quick Stats & Ratings

| Metric | Rating | Detail |
| **Overall** | **4.9/5** | 56 Reviews |
| Ease of Use | 5.0/5 | Based on overall reviews |
| Customer Support | 4.4/5 | Based on overall reviews |
| Value for Money | 4.8/5 | Based on overall reviews |
| Features | 4.8/5 | Based on overall reviews |
| Recommendation percentage | 90% | (9/10 Likelihood to recommend) |

## About the vendor

- **Company**: Mercury
- **Location**: San Francisco, US

## Commercial Context

- **Starting Price**: US$0.00
- **Pricing model**: Flat Rate (Free version available) (Free Trial)
- **Pricing Details**: At Mercury, banking\* services and essential tools are always $0/mo — with more plans available as your business grows. Mercury has 3 plans available:
1. Mercury (free): Comes with powerful banking and finance essentials included with every account.
2. Mercury Plus (starts at $29.90/month): For businesses that need more efficiencies and streamlined invoicing.
3. Mercury Pro (starts at $299/month): For businesses with complex operations that need a relationship manager.
\*Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.
- **Target Audience**: Self Employed, 2–10, 11–50, 51–200
- **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile)
- **Supported Languages**: English
- **Available Countries**: United States

## Features

- ACH Payment Processing
- Alerts/Escalation
- Approval Process Control
- Billing & Invoicing
- Categorisation/Grouping
- Corporate Card
- Credit Card Management
- Customer Statements
- Customisable Invoices
- Electronic Payments
- Electronic Statements
- Expense Tracking
- Financial Management
- Invoice Processing
- Mobile Payments
- Mobile Receipt Upload
- Payment Processing
- Receipt Management
- Reporting & Statistics
- Reporting/Analytics
- Retail Banking
- Single Sign On
- Transaction Monitoring
- Workflow Management

## Support Options

- Email/Help Desk
- FAQs/Forum
- Chat

## Category

- [Financial Services Software](https://www.capterra.co.uk/directory/31123/financial-services/software)

## Related Categories

- [Financial Services Software](https://www.capterra.co.uk/directory/31123/financial-services/software)
- [Billing and Invoicing Software](https://www.capterra.co.uk/directory/30015/billing-and-invoicing/software)
- [Accounts Payable Software](https://www.capterra.co.uk/directory/30520/accounts-payable/software)
- [Expense Report Software](https://www.capterra.co.uk/directory/30559/expense-report/software)
- [Accounts Receivable Software](https://www.capterra.co.uk/directory/30521/accounts-receivable/software)

## Alternatives

1. [Unity](https://www.capterra.co.uk/software/1036792/unity) — 5.0/5 (3 reviews)
2. [PayPal](https://www.capterra.co.uk/software/179251/paypal) — 4.6/5 (26301 reviews)
3. [Acuity Scheduling](https://www.capterra.co.uk/software/128285/acuity-scheduling) — 4.8/5 (5741 reviews)
4. [Google Pay](https://www.capterra.co.uk/software/212826/google-pay) — 4.6/5 (908 reviews)
5. [Sage Intacct](https://www.capterra.co.uk/software/76/intacct) — 4.3/5 (608 reviews)

## Reviews

### "a good neobank for startups" — 5.0/5

> **Ville** | *31 March 2026* | Research | Recommendation rating: 9.0/10
> 
> **Pros**: The app works well, and is free. the treasury rates are good so good place to park fundraising cash (esp for startups because unlocking good rates often requires high minimum balances and Mercury's limits worked for us). Onboarding via stripe atlas was smooth.
> 
> **Cons**: Lack of support for foreign currencies (GBP in particular for us as we do business in the UK) can make dealing with foreign payments challenging.
> 
> very good, not much to complain and it's a good banking service for startups in particular esp. if you don't deal with cash and like to use an app for banking

-----

### "Absolute Ease to use\!" — 4.0/5

> **Henri** | *30 March 2026* | Marketing & Advertising | Recommendation rating: 9.0/10
> 
> **Pros**: It's very easy to use, easy accessible and it all makes a lot of sense how to use. Also the 1099 filing was very easy.
> 
> **Cons**: I believe the accounting integration, as far as I know, is lacking a bit. We use Ramp for our credit card spend and it integrates very well with QBO.
> 
> Very good\! The UI is very self explanatory, I'm rather new to Mercury and the more I use it the more im liking it.

-----

### "Love Mercury\!" — 5.0/5

> **Imran** | *30 March 2026* | Restaurants | Recommendation rating: 10.0/10
> 
> **Pros**: Easy to keep track of ins and out of regular business transactions. Good support whenever we've needed it.
> 
> **Cons**: No cash deposits and a lack of Zelle make it not a one-stop solution for us. I think that's a limitation on Zelle's end unfortunately.

-----

### "Efficient, Practical, and Reliable Banking Solution" — 5.0/5

> **Danilo** | *31 March 2026* | Retail | Recommendation rating: 10.0/10
> 
> **Pros**: Mercury has been extremely helpful for our operations. The platform is very practical, intuitive, and easy to use on a daily basis. Transactions, expense tracking, and account management are straightforward and efficient. Additionally, customer support is outstanding, whenever I need assistance, the team responds quickly and resolves issues promptly.
> 
> **Cons**: So far, we have not experienced any significant issues. The platform meets our expectations very well. Minor improvements could be made in expanding integrations and additional reporting features, but nothing that impacts our daily operations.
> 
> Our overall experience with Mercury has been excellent. It has significantly improved the efficiency of our financial operations, especially for an international business structure. The platform is reliable, user-friendly, and well-suited for companies that need agility and simplicity in banking. The fast and responsive customer support is also a strong differentiator. Mercury has become an essential tool in our daily activities.

-----

### "Would definitely recommend Mercury to any small business owner." — 5.0/5

> **Sajid** | *30 March 2026* | Information Technology & Services | Recommendation rating: 10.0/10
> 
> **Pros**: I like the ease of use of the interface. It is simple, intuitive and gives me all the features I need as a small technology company owner to keep track of my finances. I can easily invoice my customers, manage payroll and make payments. 
The user management interface is especially useful to me as I can assign roles and manage role based access control to the account. As a CEO, this is very helpful to me as I can delegate financial responsibilities easily, make my employees accountable for their duties and also very importantly give my employees a simple user interface to perform their business banking related duties easily and effectively, thereby driving efficiency, job satisfaction and a work-life balance.
> 
> **Cons**: I think the minimum balance requirement for a business credit card is quite high. This not only discourages me to continue having a credit card but for a small business like mine, I have to keep a close eye on the cashflow to not default on the minimum balance. This additional pressure is not something that I need while trying to grow my business.
> 
> My overall experience has been excellent. I have been able to operate my bank account with ease while travelling abroad and my customers find it very easy to pay me through the simple invoicing and payment integration that Mercury bank provides. I am very happy that I chose Mercury for my banking needs.

-----

Page: 1 / 4\
Next: [Next page](https://www.capterra.co.uk/software/1084476/Mercury?page=2)

## Links

- [View on Capterra](https://www.capterra.co.uk/software/1084476/Mercury)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.capterra.com/p/10035709/Mercury/> |
| en-AE | <https://www.capterra.ae/software/1084476/Mercury> |
| en-AU | <https://www.capterra.com.au/software/1084476/Mercury> |
| en-CA | <https://www.capterra.ca/software/1084476/Mercury> |
| en-GB | <https://www.capterra.co.uk/software/1084476/Mercury> |
| en-IE | <https://www.capterra.ie/software/1084476/Mercury> |
| en-IL | <https://www.capterra.co.il/software/1084476/Mercury> |
| en-IN | <https://www.capterra.in/software/1084476/Mercury> |
| en-NZ | <https://www.capterra.co.nz/software/1084476/Mercury> |
| en-SG | <https://www.capterra.com.sg/software/1084476/Mercury> |
| en-ZA | <https://www.capterra.co.za/software/1084476/Mercury> |

-----

## Structured Data

<script type="application/ld+json">
  {"@context":"https://schema.org","@graph":[{"name":"Capterra UK","address":{"@type":"PostalAddress","addressLocality":"Egham","addressRegion":"ENG","postalCode":"TW20 9AH","streetAddress":"Tamesis, The Glanty, Staines-upon-Thames Egham TW20 9AH United Kingdom"},"description":"Capterra UK helps millions of people find the best business software. With software reviews, ratings, infographics, and the most comprehensive list of business software.","email":"info@capterra.co.uk","url":"https://www.capterra.co.uk/","logo":"https://dm-localsites-assets-prod.imgix.net/images/capterra/logo-a9b3b18653bd44e574e5108c22ab4d3c.svg","@type":"Organization","@id":"https://www.capterra.co.uk/#organization","parentOrganization":"Gartner, Inc.","sameAs":["https://twitter.com/Capterra","https://www.facebook.com/Capterra/","https://www.linkedin.com/company/capterra/","https://www.youtube.com/channel/UCEt7vQSPiPlPAblHdhJAqnA"]},{"name":"Mercury","description":"Mercury is an online banking¹ platform that helps startups and small to medium-sized businesses. It brings together banking, payments, cards, and financial workflows in one place.\n\nWith Mercury, teams can open checking and savings accounts online, pay vendors and contractors, send ACH and wires, issue debit and credit cards² with spend controls, and automate bill pay and invoicing. Built-in accounting integrations help simplify reconciliation and month-end close.\n\nMercury is used by founders and operators who want more visibility into their finances. It supports growing businesses with streamlined money movement so companies can operate more efficiently.\n\n\n¹Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.\n²The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductScreenshot/4a6d80c3-0d1b-4889-9783-a8d324502cf1.png","url":"https://www.capterra.co.uk/software/1084476/Mercury","@type":"SoftwareApplication","@id":"https://www.capterra.co.uk/software/1084476/Mercury#software","applicationCategory":"BusinessApplication","publisher":{"@id":"https://www.capterra.co.uk/#organization"},"aggregateRating":{"@type":"AggregateRating","ratingValue":4.9,"bestRating":5,"ratingCount":56},"offers":{"price":"0","@type":"Offer","priceCurrency":"USD"},"operatingSystem":"Cloud, Android, Platform ios"},{"@type":"FAQPage","@id":"https://www.capterra.co.uk/software/1084476/Mercury#faqs","mainEntity":[{"name":"What is Mercury?","@type":"Question","acceptedAnswer":{"text":"Mercury is an online banking¹ platform that helps startups and small to medium-sized businesses. It brings together banking, payments, cards, and financial workflows in one place.With Mercury, teams can open checking and savings accounts online, pay vendors and contractors, send ACH and wires, issue debit and credit cards² with spend controls, and automate bill pay and invoicing. Built-in accounting integrations help simplify reconciliation and month-end close.Mercury is used by founders and operators who want more visibility into their finances. It supports growing businesses with streamlined money movement so companies can operate more efficiently.¹Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.²The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.","@type":"Answer"}},{"name":"Who Uses Mercury?","@type":"Question","acceptedAnswer":{"text":"Mercury is used by startups, tech companies, ecommerce brands, agencies, consultants, firms, VC funds, crypto companies, and accounting firms.","@type":"Answer"}}]},{"@type":"BreadcrumbList","itemListElement":[{"name":"Home","position":1,"item":"/","@type":"ListItem"},{"name":"Financial Services Software","position":2,"item":"/directory/31123/financial-services/software","@type":"ListItem"},{"name":"Mercury","position":3,"item":"/software/1084476/Mercury","@type":"ListItem"}],"@id":"https://www.capterra.co.uk/software/1084476/Mercury#breadcrumblist"}]}
</script>