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Mercury | Bank Differently

Mercury | Bank Differently

Business and personal accounts

14K ratings
337 reviews
💼 Business
💰 Finance
Free

Details

Released
May 13, 2020
Updated
November 2, 2026

Features

Developer

Mercury Technologies, Inc.
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About

This app offers business and personal banking solutions designed for entrepreneurs and ambitious individuals. It provides features like payment options, credit cards, expense management, invoicing, and AI-powered financial assistance. Access high-yield savings and unlimited USD wires with an annual subscription.

✓Business and personal accounts
✓Free payment options
✓Credit cards
✓Expense management
✓Invoicing and bill pay
✓AI financial assistant
✓High-yield savings accounts
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What users say about Mercury | Bank Differently

Reviews of Mercury | Bank Differently are mixed: the Finance app is rated 4.9/5 from 14K App Store ratings. What users like most: robust platform for startups and small businesses, intuitive and user-friendly app. Top complaints: slow response times and delayed customer service, overly intensive security measures causing login difficulties. Summarized from real user reviews.

Positive things

  • 🚀Robust platform for startups and small businesses
  • 👍Intuitive and user-friendly app
  • 🔒Secure banking experience
  • 💡Unique features like virtual and physical debit cards
  • 🤝Responsive and helpful customer support

Negative things

  • 🕰️Slow response times and delayed customer service
  • 🔒Overly intensive security measures causing login difficulties
  • 🕰️Slow check deposit and fund availability
  • 🚫Lack of phone support and only email-based communication
  • 🤔Unclear account approval and rejection criteria
See all reviews
+1

What's New in Mercury | Bank Differently

6.18.0

November 2, 2026

→ Adds support for iPhone Duo → Bug fixes and improvements

Events

Read more about Mercury Spend
Event EndedMajor Update

Mercury Spend

Cards and budgets for your team and agents.

Aug 11, 2026 — Sep 11, 2026

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Best bank services

Mercury is the best bank ai ever had. Service, technology and costs are the best in the market
00000G

The Best!

Amazing APP and Bank👏
EMEdson Marion

Mercury is the best bank

I love this bank. Their systems are great. Support is fantastic and it’s the one app that always works. I have worked in banks and Mercury stands with its head above for functionality. Well done Mercury
Jjammicap

So much better!

Really love the online platform and experience Mercury provides. They are really thinking about the realities people face with online payments and the need to be able to pay through ACH. Been using it for 4 years now and love it.
JJ_Fritz

Feels like a geniune bank

And not a fintech
PPleaseFixMate
See 332 more reviews

User experience

🐞

Reported Bugs

4 issues

Debit cards randomly stop working

Bug

Verification process often fails without explanation

Bug

Funds get held up between linked accounts

Bug

Inability to link external bank accounts

Bug
✨

Requested Features

5 requests

Add phone support and live chat

Feature

Reduce check deposit time

Feature

Increase transfer limits

Feature

Implement dark mode and customizable themes

Feature

Provide more detailed account and transaction information

Feature

FAQ

Is Mercury secure for banking?

Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through partner banks, Choice Financial Group and Column N.A., Members FDIC, offering FDIC deposit insurance up to $5 million through their sweep networks. Certain conditions must be met for pass-through FDIC insurance to apply.

What are the costs associated with Mercury Personal?

Mercury Personal is available for an annual subscription fee of $240. This fee provides access to features like high-yield savings accounts, unlimited USD wires, and joint accounts.

Does Mercury have ads?

No, Mercury does not contain advertisements. The app is free to download and use, with additional features available through subscription.

What devices does Mercury support?

Mercury is currently supported on iPhone devices. Information regarding Android or other platform support is not provided.

How often is Mercury updated?

The latest version of Mercury is 6.18.0, updated on November 2, 2026. While specific update frequency is not detailed, this indicates ongoing development and maintenance.

What are common user complaints about Mercury?

User reviews indicate some users experience slow response times for customer service, overly strict security measures that can hinder login, and delays in check deposits and fund availability. Some also find account approval criteria unclear.

What do users like about Mercury?

Users frequently praise Mercury for its robust platform tailored for startups and small businesses, its intuitive and user-friendly interface, and its secure banking experience. Unique features like virtual and physical debit cards are also highlighted positively.

What are the transaction types supported by Mercury?

Mercury offers free payment options, credit cards, invoicing, and bill pay for business accounts. Personal accounts include unlimited USD wires and high-yield savings accounts.