Mercury

Banking for startups

4.5•54 reviews•

732 followers

Banking for startups

4.5•54 reviews•

732 followers

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Online banking

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Startup financial planning

Confidently run all your financial operations with software built from a powerful banking core. Scale with business bank accounts & debit and credit cards.

Mercury Reviews

The community submitted 54 reviews to tell us what they like about Mercury, what Mercury can do better, and more.

4.5

Based on 54 reviews

Review Mercury?

Reviewers broadly like Mercury’s clean interface, easy setup, and startup-friendly tools, with several saying navigation is simple and features like virtual cards, integrations, wires, and cash tracking work well. But the strongest recurring criticism is reliability: multiple users describe sudden account restrictions or closures, weak explanations, and compliance actions that disrupted payments and operations. Support is another clear pain point, often described as email-only and slow when urgent issues arise. A founder from Gerri also says it was easy to set up early on, but founder feedback is otherwise sparse.

+51

Summarized with AI

Pros

startup-friendly features (15)

intuitive interface (13)

easy account setup (5)

responsive customer service (5)

integrations with business tools (4)

virtual cards (4)

seamless account management (3)

no fees (2)

support for startup community (2)

venture debt options (2)

Cons

slow support (6)

unreliable service (5)

account closure without warning (4)

compliance issues (2)

Pros

Cons

Reviews

All Reviews

Most Informative

•1 review

Somehow, they continuously find new ways to screw their customers. It's almost as if they try to think up ways to do the most damage. FOR INSTANCE- This past weekend they did "system maintenance" which CANCELLED EVERY COMPANY'S EXISTING DEBIT CARDS. Would never happen at a legit bank. We started our Monday with half of the company's operations down because of failed charges over the weekend. Thanks again Mercury! P.S. - This is only one example of how Mercury has gone to extreme lengths to screw their customers. I wish I was surprised by it but to be honest, I wasn't, it was just the latest of a saga of epic failures.

What needs improvement

unreliable service (5)

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12 views2yr ago

•10 reviews

Mercury Bank is the best banking app for startups. It's simple, fast, and easy to use. And it's packed with features that are perfect for startups, like free international transfers, multiple users, and integrations with popular business tools. I've used a lot of different banking apps for startups over the years. And Mercury is by far the best. It's the first banking app that was actually designed for startups. And it shows. Here are just a few of the things I love about Mercury: It's simple and easy to use. The interface is clean and intuitive. And it's easy to find everything you need, quickly and easily. It's fast. Mercury is one of the fastest banking apps I've ever used. Deposits and withdrawals are processed instantly. And transfers are usually completed within a few minutes. It's packed with features. Mercury has all the features you need to manage your startup's finances, including free international transfers, multiple users, and integrations with popular business tools. It's affordable. Mercury is one of the most affordable banking apps for startups. There are no monthly fees or hidden charges. If you're a startup founder, I highly recommend Mercury Bank. It's the best banking app for startups, hands down.

What's great

intuitive interface (13)startup-friendly features (15)no fees (2)integrations with business tools (4)free international transfers (1)

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3 views2yr ago

•1 review

Mercury has been the best of the banks our team has used so far. The customer service and attention to detail is paramount.

What's great

responsive customer service (5)

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2yr ago

•3 reviews

I really like the features of Mercury.

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1 view2yr ago

•1 review

This is the worst “bank” I’ve dealt with. I used it for client payments and one day with no notice my client told me they’re unable to pay because the account is closed. I log in and nothing from Mercury. Contacted their CS and they said “oh your account went into compliance review and is restricted. We need XYZ documents to verify.” What kind of legitimate business does notify customers when they restrict accounts?! Anyway it’s been days and they are still “reviewing.” They don’t answer my questions and just send some copy paste responses. Please save your time and energy and sign up for another bank!!

What needs improvement

slow support (6)unreliable service (5)account closure without warning (4)compliance issues (2)

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10 views4yr ago

•5 reviews

The website and overall functionality is great. Super simple to use. My only wish is that they had customer service to help or interact with you in real time. You have to send an email and wait to hear back from somebody in 3-5 days. This probably won't happen often, but it's super frustrating when you need it.

What's great

intuitive interface (13)

What needs improvement

slow support (6)

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5 views1yr ago

•7 reviews

Mercury – Solid Banking for Startups, But Support Could Be Quicker Mercury’s been a great option for startup banking... easy to set up, slick interface, and it integrates well with all the tools I need. I’ve been happy with the experience overall, especially since it’s built with startups in mind. Why It Works: - Simple Setup and Interface: Setting up an account is a breeze, and the dashboard is clean and intuitive. No fuss... just a straightforward experience. - Startup-Friendly Features: They’ve got all the basics plus perks like cash management and venture debt options that make sense for early-stage companies. Feels like it’s really built for us. Where It Could Improve: - Support Delays: Here’s the downside... support can be painfully slow. I had a case where I needed to increase my card limit to make a larger purchase, and it took several days to get a response and even longer to get it approved. For a company that’s raised capital, waiting that long just to make a necessary purchase isn’t ideal. It definitely slows things down. - Low Card Limits: The spending limits themselves are low, especially for businesses with decent funding. Having to go through hoops to raise limits each time is frustrating when you’re trying to move fast and get things done. Overall Thoughts Mercury is a solid choice if you’re looking for a startup-focused banking solution with a great interface and useful features. But... the slow support and low card limits make it tough when you’re running at startup speed. With quicker support and more flexible spending options, it could really be the perfect solution for growing companies.

What's great

intuitive interface (13)startup-friendly features (15)venture debt options (2)easy account setup (5)integrations with business tools (4)

What needs improvement

slow support (6)low card limits (1)

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83 views1yr ago

•1 review

I don't recommend Mercury as a bank. We were generally satisfied with the bank until it became clear that Mercury is quite unreliable. Our company, a Delaware C Corp, worked with Mercury for almost two years without any issues on our end. We have numerous clients in the US and Europe, as well as contractors, so we constantly received and made payments. The founders are residents of the US, UK, and Georgia. At one point, the bank requested proof of residency for our US-based founder. The very next day, without waiting for the ID upload, we were suddenly notified that our account would be closed, with no possibility to appeal. In one day, our account, which handled all our payments, invoices, and contractor fees, was abruptly shut down without explanation. Mercury also has other downsides, like slow support with responses taking 2-3 business days, which is unacceptable for a modern bank, as most offer live chat with an agent. But the biggest drawback is the bank’s unreliability. Even as an established business with a solid record, founders in the US, and reputable clients, your account can be closed without warning or reason. As a founder, I can’t recommend Mercury.

What needs improvement

slow support (6)unreliable service (5)account closure without warning (4)

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81 views1yr ago

Mattebox

•5 reviews

Never thought I could fall in love with a bank

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1yr ago

•1 review

These people have no respect for their clients. It is unfortunate that I have to leave this review, but it is merited. Mercury is a service not a bank. They partnered with Evolve Trust to provide an "easy banking" service for entrepreneurs and startups... and they are failing at this miserably. One of the most important things for a startup is to have funds available quickly. We've made small to large deposits into the account with Mercury and seven (7) days later, still waiting for the funds, and customer service is unresponsive. We have had to go out of our way to open bank accounts with another bank in order to pay contractors. Not sure how Mercury defines this as a great experience. It is pathetic to say the least. Save yourself the headache. Mercury is a joke.

What needs improvement

slow support (6)unreliable service (5)slow fund availability (1)

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12 views4yr ago

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