Mercury

Banking for startups

4.5•53 reviews•

726 followers

Banking for startups

4.5•53 reviews•

726 followers

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Online banking

•

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 53 reviews to tell us what they like about Mercury, what Mercury can do better, and more.

4.5

Based on 53 reviews

Review Mercury?

Reviewers see Mercury as a mixed startup banking option: many praise the clean interface, easy onboarding, useful features like virtual cards, integrations, and smooth day-to-day navigation, with a few saying wires and larger payments worked well after review. But the sharpest theme is operational risk: several users report sudden compliance reviews or account closures with little warning, vague explanations, and slow, email-only support. Card limits and support delays also frustrate some teams, so confidence tends to hinge less on usability than on whether support and compliance hold up when problems hit.

+50

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

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Most Informative

Founder Reviews (39)

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Other Reviews (14)

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•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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74 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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74 views1yr ago

•1 review

Absolutely terrible experience with Mercury. Initially they opened an account to us without any problem. But in a half year they sent an email to us that they plan to block (close) our account because of some new compliance. They gave us 2 (!) weeks to sort the things out - can you imagine? Communication was absolutely terrible. Support team published one rules, PR team the other one, and the CEO said third things. Also the CEO said they don’t care about 1% of customers who were affected by new “compliance”. After that, the support team simply didn’t answer all our requests. Later they extended the closing period to one month. In this time we provided all requested documents which fully confirm by all rules (also mentioned on the site) to unblock our account. But they refused to do so and related to some “internal factors”. On the all asks to provide more details they answered with “chatgpt generated boolshit” and basically ignored all our requests. So my advice if you don’t want to lose your money stay away from this platform. They absolutely don’t care about customers and they don’t care about you personally, and your employees. They are not transparent in communication and they are not aligned inside a company. Yes, the interface is good but all other departments (support, CEO, compliance, etc) work really terribly. Do you really want trust money to such an organization? Think one hundred times.

•11 reviews

From effortless account setup to clean UX and powerful tools like virtual cards, cash flow tracking, and integrations with major platforms—everything just works. It feels like it was built with startups in mind, not retrofitted for them. Highly recommend for any founder looking for a modern, no-nonsense banking experience.

What's great

intuitive interface (13)virtual cards (4)startup-friendly features (15)easy account setup (5)integrations with business tools (4)

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5 views11mo 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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4 views1yr ago

•1 review

I've been a Mercury customer for around six months. I have seven accounts and find the navigation on the site super easy to use. In terms of customer service, the team is super friendly and knowledgeable. Their fees are totally reasonable and great for my growing business.

What's great

intuitive interface (13)responsive customer service (5)

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2 views3yr ago