Mercury Pricing in 2026
Everything you need to know about Mercury plans, costs, and whether the free plan is enough for your needs.
Last updated: February 2026 · 3 plans compared
📝 Our Take on Mercury Pricing
Mercury is what a bank should look like in 2026. The UI is clean, the API is powerful, and the free tier is genuinely free — no hidden fees, no minimum balances. Their Treasury product offers 4%+ APY on idle cash. The $50 referral bonus for both parties makes it easy to recommend.
The Standard plan is 100% free — checking, savings, domestic wires, ACH, debit cards, all included. Plus ($35/mo) adds priority support and higher limits. For most solo devs and small startups, the free plan is more than sufficient.
Use Mercury pricing as the start of the decision
Pricing pages bring high intent. The next step is to compare free limits, alternatives, and total finance stack cost before the reader exits.
Read the Mercury reviewCheck strengths, risks, and operator fit.📋 Free Plan Details
Limits: Free checking and savings. Free domestic wires and ACH. Free virtual/physical debit cards. No minimum balance.
Users: Unlimited team members
All Mercury Plans
Free
Forever free
Unlimited team members
Standard
per user/month
Plus
per user/month
Pro
per user/month
💰 Real Cost by Team Size
Based on the entry-level paid plan. Annual estimates assume ~20% discount.
Frequently Asked Questions
How much does Mercury cost in 2026?
Mercury offers a free plan and paid plans starting at Free / $0/mo per user/month.
Does Mercury have a free plan?
Yes, Mercury offers a free plan. Free checking and savings. Free domestic wires and ACH. Free virtual/physical debit cards. No minimum balance. The free plan supports Unlimited team members.
What does Mercury cost for a team of 10?
Pricing varies by plan. Contact Mercury for team pricing or see the detailed breakdown above.
Not sure about Mercury?
Compare alternatives or read our in-depth review.