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.
📋 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.