# Mercury \| Bank Differently — Business and personal accounts

> Online business and personal banking with financial management tools. (iPhone/iPad app by Mercury Technologies, Inc..)

- Source: https://appshunter.io/ios/app/mercury-bank-differently/id1491984028 (this page in markdown: same URL + `.md`)
- Developer: [Mercury Technologies, Inc.](https://appshunter.io/developer/1491984027)
- Category: Finance, Business
- Price: Free
- Rating: 4.90/5 from 12,690 App Store ratings · 287 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 167 MB
- Languages: American English
- Released: 2020-05-13
- Data updated: 2026-08-29
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/mercury-bank-differently/id1491984028/reviews.md

## What is Mercury | Bank Differently?

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, and more. All in one place, all entirely online. Plus, Command – built-in Al that handles financial work for you.

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 Ul and powerful features. It comes loaded with high-yield savings accounts, unlimited USD wires, a joint account, 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. FDIC deposit insurance covers the failure of an insured bank. 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.

**The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.

## Key features

- Business banking
- Personal accounts
- Payment processing
- Expense management
- Invoicing
- Bill pay
- High-interest savings

## What do users think of Mercury | Bank Differently?

Overall sentiment: mixed

**Pros**

- 🚀 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

**Cons**

- 🕰️ 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

**Commonly reported bugs**

- Debit cards randomly stop working
- Verification process often fails without explanation
- Funds get held up between linked accounts
- Inability to link external bank accounts

**Most requested features**

- Add phone support and live chat
- Reduce check deposit time
- Increase transfer limits
- Implement dark mode and customizable themes
- Provide more detailed account and transaction information

## Recent user reviews (10 of 287)

All indexed reviews: https://appshunter.io/ios/app/mercury-bank-differently/id1491984028/reviews.md

### 5/5 — Absolutely Fantastic!!

*2026-08-22, version 6.15.3*

I love Mercury and the efficiency is amazing

### 1/5 — Biz Credit

*2026-08-14, version 6.15.2*

This is the most archaic and senseless app I have ever seen.  USELESS and terribly inconvenient.

### 1/5 — Not what it used to be

*2026-08-12, version 6.15.2*

I used to be very happy with Mercury, but unfortunately the experience has gone downhill.

I’ve been dealing with an issue involving a discrepancy related to a money market fund conversion. Mercury has acknowledged that the problem is on their side, yet more than a week later, I’m still waiting for someone to properly investigate and resolve it.

Every day I’ve been told that someone will look into it or get back to me, but nothing actually moves forward. At the time of writing, the issue remains unresolved.

Banking is critical to any business, and when something goes wrong, you need to know your bank will take ownership and act quickly. That simply hasn’t been my experience here.

I genuinely liked Mercury, which makes this particularly disappointing. At this point, I’m questioning whether choosing a startup bank for our business was the right decision.

### 1/5 — Fix your app

*2026-08-09, version 6.15.1*

“Something went wrong” every time I try to sign in with a passkey? And asking for a backup code instead of a normal 2fa code when I sign in with a password? I need to access my companies money I have people to pay!

### 5/5 — Best financial app

*2026-08-05, version 6.15.0*

Easily best banking app I’ve ever used

### 2/5 — Too Slow for Modern Business

*2026-08-01, version 6.14.1*

I’ve been disappointed with Mercury. The bank feels very slow overall. Transfers take too long, there’s no Zelle support, and the IO card takes a long time to reflect funds from my account. Overall, it feels like an outdated banking platform that hasn’t kept up with modern business banking needs.

### 5/5 — Need a PayPal type payment

*2026-07-31, version 6.14.1*

As great as this bank has been , I would love an immediate payment method

### 1/5 — Server error

*2026-07-31, version 6.14.1*

Literally stopped working won’t log in customer care didn’t even reply. Super terrifying when you have money in this application.

### 1/5 — slow and nonresponsive service

*2026-07-30, version 6.14.1*

non direct banking, slow, unresponsive service - avoid

### 1/5 — Don’t . No human customer service .

*2026-07-30, version 6.14.1*

If you have any problems you have to deal with an AI chat bot and then a human via chat . I am glad I did not put more money in , because if you have a problem there is no help

## Frequently asked questions about Mercury | Bank Differently

### What does Mercury | Bank Differently do?

This app offers online banking services for both businesses and individuals. For businesses, it includes features like payment options, credit cards, expense management, invoicing, and bill pay. For personal use, it provides high-interest savings accounts, investing, and joint accounts.

### What are the key features of Mercury | Bank Differently?

Key features include comprehensive business banking tools such as payment processing, expense management, and invoicing, alongside personal finance features like high-interest savings accounts and seamless investing. Both account types are managed entirely online.

### How much does Mercury | Bank Differently cost?

Business banking with Mercury comes with free payment options. Personal accounts are available for an annual subscription fee of $240. Specific details on loan availability and other services may vary.

### Is Mercury | Bank Differently available on all devices?

The description focuses on the online nature of the service and does not specify mobile app compatibility. However, it is designed to be accessible entirely online, suggesting broad accessibility.

### Who is the target audience for this app?

The app is designed for entrepreneurs and business owners who need robust financial management tools, as well as ambitious individuals looking to optimize their personal finances with advanced features and high-yield savings.

## Version history (last 5 releases)

### 6.15.4 — 2026-08-28

→ Bug fixes and improvements

### 6.15.3 — 2026-08-18

→ Bug fixes and improvements

### 6.15.2 — 2026-08-10

→ Minor improvements and bug fixes

### 6.15.1 — 2026-08-06

→ Bug fixes and improvements.

### 6.15.0 — 2026-08-03

→ Transfers from linked external or Mercury accounts display their corresponding logo.
→ Additional users can now be invited to Mercury Personal trust accounts.
→ Command supports more capabilities.
→ Several bug fixes and improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*