01
Streamline early-stage financial workflows
Founders can open accounts in minutes, manage team expenses with virtual cards, and automate accounting tasks, freeing up time for product development and growth.
$554 value
Mercury
Accounting
4.7 (3)
Verified Editor's pick ACCOUNTING
Mercury deal: Exclusive Mercury access
Banking platform built for startups and technology companies — business checking, savings, cards, bill pay, and treasury management with a modern API.
- Free banking with no minimum balance requirements — no monthly fees or transaction fees on basic operations
- Clean modern UI purpose-built for tech companies — account opening in under an hour for most applicants
- Treasury by Mercury earns yield on idle cash balances in government money market funds
- API access (Plus and above) enables automating banking workflows from your own product
Editor's pick
You save
Member-only
Verified weekly · No signup wall
Verified 2 weeks ago · live
Negotiated direct by saasTweaks
Founders
1,817+
claimed all-time
This week
362
new claims
Ends in
14d 06h
limited time
About Mercury
Mercury stands out as a top contender for business banking, specifically catering to startups and scaling tech companies. Its digital-first approach simplifies account opening and daily financial management, offering free checking and savings accounts without minimums or monthly fees.
The platform integrates essential financial tools beyond basic banking, including credit cards with cashback, streamlined expense management, and AI-powered bill pay. This consolidation reduces the need for multiple financial vendors, a common pain point for lean teams.
Founders also benefit from Mercury Treasury, which provides access to high-yield investment options for idle cash, a feature typically reserved for larger enterprises. The strong focus on automation for accounting and receipt reconciliation further reduces administrative overhead.
However, Mercury is not for every business. Companies requiring in-person branch services, international multi-currency accounts beyond USD, or those outside the US incorporation structure will find its offerings limited.
Capabilities
- • Business banking built for startups with FDIC insurance up to $5M via deposit sweep networks
- • No minimum balance, no monthly fees, and no transaction limits on the base account
- • Mercury Venture Debt and Treasury for cash management beyond checking and savings
- • Virtual and physical debit cards with per-card spend limits and instant freeze
- • Bill pay and check sending from the dashboard — no branch visit required
- • Team access with role-based permissions for founders, finance, and accounting staff
- • API access for automating payments, reconciliation, and financial data pipelines
- • Perks program: AWS, Stripe, Gusto, and 30+ partner credits for Mercury account holders
What's included
02
Optimize payment flows and expense tracking
Teams can issue unlimited virtual cards for specific vendors or ad spend, automate bill payments, and reconcile receipts, ensuring accurate financial reporting.
$555 value
03
Control client project spending
Agency owners can create dedicated virtual cards for each client project, set spending limits for team members, and track expenses with detailed visibility.
$556 value
04
Founder office hours
Quarterly access to product leadership.
$230 value
05
Stack credits
Bonus credits redeemable on partner tooling.
$231 value
06
Annual audit
We re-verify the offer every quarter so it never goes stale.
$232 value
How to claim
-
Click claim
Hit the button on this page — opens the partner site in a new tab.
-
Apply via your VC or accelerator
Check your investor or accelerator benefits portal for the Mercury partner code. Y Combinator, Sequoia, and most Tier 1 VCs have codes available.
-
Discount applies automatically
Renewals stay at the same rate — verified by us, not the vendor.
How Mercury stacks up
| Feature | Mercury |
|---|---|
| Free trial | 14 days |
| Cheapest paid plan | $0/mo |
| Annual discount | Up to 25% |
| Refund window | 30 days |
| Setup time | < 1 hour |
| Best for | Founders |
What members say
“Modern banking that VC-backed startups actually enjoy using”
“Mercury API enabled full banking automation in our product”
“Best free banking for startups — opened in 45 minutes, no fees ever”
Members also claimed
Quickbooks
Accounting
Free trial available
Free trial available
Ramp
Accounting
Verified offer
—
Dext
Accounting
Verified offer
—
Zoho Books
Accounting
Free plan + free trial available
Free plan + free trial available
Oracle EBS Financials
Accounting
Verified offer
—
Freshbooks
Accounting
Verified offer
—
Brex
Accounting
Verified offer
—
High Radius
Accounting
Verified offer
—
Frequently asked
What does Mercury cost for businesses?
Mercury offers free checking and savings accounts with no minimum balances or monthly maintenance fees. It also provides zero-fee USD wires. Some advanced features like Mercury Treasury or certain credit card benefits may have specific terms, but core banking services remain free.
How does Mercury compare to traditional banks?
Mercury differentiates itself with a digital-first experience, faster account opening, and integrated financial tools like expense management and high-yield treasury options. Traditional banks often require in-person visits, charge more fees, and lack the same level of integrated tech-focused features.
Can Mercury accounts be closed anytime?
Yes, businesses can typically close their Mercury accounts at any time without penalty. Mercury aims for flexibility, and its digital nature means there are no long-term contracts or commitments associated with its standard business banking services.
Does Mercury integrate with accounting software?
Yes, Mercury offers accounting automations and integrates with popular accounting software. Businesses can categorize transactions and sync data directly to QuickBooks, Xero, or NetSuite, simplifying reconciliation and financial reporting processes.