Mercury

Key Features

• Business bankingFree checking and savings accounts with zero minimums, yield via Treasury, and access to loans.
• Cards & expense managementEarn 1.5% cashback on credit card spend and control team expenses with cards, reimbursements, limits, and approvals.
• Payments & invoicingSend money globally and pay bills with no fees on USD payments, create free invoices, and get paid into your account.
• AccountingSync with Quickbooks, Xero, or NetSuite and use AI-powered automations to close books faster.
• Virtual cardsInstantly spin up as many virtual cards as you need for any purpose.
• AI bill payAI reads bills, populates details automatically, and remembers past recipients so you can approve and pay in seconds.
• Receipt reconciliationEmail or upload receipts and they auto-attach to the right card transaction.
• Universal searchFind any transaction, vendor, or card, or jump to creating payments and transfers from one search bar.
• Mercury TreasuryAccess high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley to earn up to 3.89% yield.
• FDIC insuranceGet up to $5M FDIC insurance through partner banks and their sweep networks.
• Account securityFraud and phishing protection, passkeys, dark web monitoring, and more.
• Team managementCard limits, spend controls, and granular user permissions with approval flows.