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Mercury | Bank Differently

Finally, financial control that amplifies ambition. This app delivers the tools to dominate your fiscal world.

Finance & Crypto ›

Key Figures

Downloads

250k+

User Rating

4.9/5

Total Ratings

11.0K

Publisher

Mercury Technologies, Inc.

An evaluation of key features impacting tech-savvy entrepreneurs and growth-oriented businesses.

Mercury | Bank Differently: Core Capabilities Analysis

Unified Business & Personal Financial Management

It allows users to manage both their business and personal finances within a single, integrated platform, streamlining financial oversight and enhancing convenience.

Automated Accounting & Expense Management

The app provides advanced tools for expense management and accounting automations, simplifying financial record-keeping, reducing manual effort, and improving accuracy.

Efficient Payment Processing & Unlimited USD Wires

This tool features free payment options and unlimited USD wires, facilitating seamless, cost-effective, and rapid financial transactions for businesses and individuals.

High-Yield Savings Accounts & Seamless Investing

It allows users to access high-interest savings accounts and features seamless investing options, optimizing their capital growth for both business reserves and personal wealth.

Access to Working Capital Loans

The app provides options for working capital loans, offering flexible financing solutions to support business growth, operational needs, and strategic expansion.

Enhanced FDIC Insurance Coverage

This tool features enhanced FDIC coverage of up to $5M through partner banks, providing significant security and peace of mind for large deposits held by businesses and high-net-worth individuals.

FAQ

Frequently Asked Questions

Everything you need to know about Mercury | Bank Differently

What is Mercury?

Mercury is a fintech company that offers business and personal banking services. It provides free payment options, credit cards, expense management, and investment features, all managed online.

Is Mercury an FDIC-insured bank?

No, Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.

How much does Mercury Personal cost?

Mercury Personal costs $240 per year for an annual subscription fee. This provides access to high-interest savings, unlimited USD wires, and investment features.

Can I manage both business and personal accounts with Mercury?

Yes, Mercury allows users to manage both business and personal accounts within a single app. Users can switch between accounts, apply for new ones, or link existing accounts.

What expense management features does Mercury offer for businesses?

Mercury for business allows users to snap photos to auto-match receipts to transactions, categorize expenses, add receipts, and jot down notes. It also supports creating team cards with spend controls.

Does Mercury offer high-interest savings accounts?

Yes, Mercury Personal offers high-interest savings accounts. These accounts automate savings and can earn up to 3.25% APY, with interest added monthly.

Can I set up notifications for my Mercury account activity?

Yes, Mercury allows users to set up push notifications for various account activities. These include incoming and outgoing transactions, failed transactions, and uncashed check payments.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Mercury | Bank Differently - The app provides a comprehensive overview, displaying the user's total "Mercury balance" and highlighting actionable items in the "Tasks section" for immediate attention. — The app provides a comprehensive overview, displaying the user's total "Mercury balance" and highlighting actionable items in the "Tasks section" for immediate attention.
Financial Dashboard Overview

Mercury | Bank Differently - This tool allows users to manage multiple financial entities, with easy "Business and Personal toggles" and a clear "Switch accounts" menu for efficient navigation between accounts. — This tool allows users to manage multiple financial entities, with easy "Business and Personal toggles" and a clear "Switch accounts" menu for efficient navigation between accounts.
Unified Account Management

Mercury | Bank Differently - Users can efficiently manage money movement through prominent "Send, Request, Deposit buttons" and track all transactions within organized "Payments categories (Inbox, Needs Approval)". — Users can efficiently manage money movement through prominent "Send, Request, Deposit buttons" and track all transactions within organized "Payments categories (Inbox, Needs Approval)".
Streamlined Payment Workflow

Mercury | Bank Differently - The app offers robust control over spending, featuring a clear "virtual card display" and a detailed "monthly limit tracker" to manage team expenses. — The app offers robust control over spending, featuring a clear "virtual card display" and a detailed "monthly limit tracker" to manage team expenses.
Smart Card Controls

Mercury | Bank Differently - This tool simplifies expense reporting by demonstrating the "Uploading Receipts status" and showcasing "scanned receipt previews" for quick transaction matching. — This tool simplifies expense reporting by demonstrating the "Uploading Receipts status" and showcasing "scanned receipt previews" for quick transaction matching.
Automated Receipt Matching

Mercury | Bank Differently - Users can maintain meticulous financial records, utilizing the "transaction detail (Tary Coffee)" interface to add information and the intuitive "category selection menu" for precise expense classification. — Users can maintain meticulous financial records, utilizing the "transaction detail (Tary Coffee)" interface to add information and the intuitive "category selection menu" for precise expense classification.
Detailed Expense Tracking

Mercury | Bank Differently - The app empowers users with proactive financial oversight, providing an "incoming transaction notification preview" and granular "transaction threshold toggles" for custom alerts. — The app empowers users with proactive financial oversight, providing an "incoming transaction notification preview" and granular "transaction threshold toggles" for custom alerts.
Customizable Notification Alerts

Mercury | Bank Differently - For personal finances, the app presents a clear "personal account balance" and a dynamic "monthly financial activity graph" to monitor individual wealth. — For personal finances, the app presents a clear "personal account balance" and a dynamic "monthly financial activity graph" to monitor individual wealth.
Personal Finance Hub

Mercury | Bank Differently - This tool facilitates wealth growth by clearly displaying the "account balance" with interest information and providing convenient "Transfer In/Out buttons" for managing savings. — This tool facilitates wealth growth by clearly displaying the "account balance" with interest information and providing convenient "Transfer In/Out buttons" for managing savings.
High-Yield Savings

Mercury | Bank Differently - Users can visualize their investment strategy with the "investment portfolio allocation chart" and clearly see the "asset class percentages" for informed decision-making. — Users can visualize their investment strategy with the "investment portfolio allocation chart" and clearly see the "asset class percentages" for informed decision-making.
Tailored Investment Portfolios

Description

Mercury offers radically different banking* designed to optimize your business and personal finances. Mercury business banking comes complete with free payment options, credit cards, expense management, invoicing, bill pay, accounting automations, working capital loans, and more. All in one place, all entirely online. Loved by over 300K entrepreneurs, Mercury for business enables companies to handle their financial work like seasoned pros, so they can be sure every dollar is doing exactly what it should. Plus, you can access up to $5M in FDIC coverage through our partner banks and their sweep networks.* Mercury Personal is designed to help ambitious people level up their personal finances with the same great UI and powerful features. It comes loaded with high-interest savings accounts, unlimited USD wires, a joint account, seamless investing, and more — all for one annual subscription fee of $240.*   *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more at mercury.com.