Mercury — Free Service Overview
Mercury is a free Banking & Payments service. Browse features, available discounts, and alternatives below.
Updated: May 2026
About Mercury
Mercury
Mercury is a banking & payments product operated by Mercury Technologies, Inc. (banking via Choice Financial Group and Evolve Bank & Trust, FDIC members). This 2026 review covers operator background, the current tier ladder and the buying signals to weigh before subscribing. The service competes in the banking & payments category against regional and global alternatives, and the practical decision usually comes down to feature mix, regional availability and renewal economics rather than headline price alone.
Quick facts
- Operator: Mercury Technologies, Inc. (banking via Choice Financial Group and Evolve Bank & Trust, FDIC members)
- Headquarters: San Francisco, California, United States
- Public-market status: privately held; raised USD 120M Series C in 2024 at USD 3.5B valuation (Sequoia, Coatue)
- Founded: 2017 (founded by Immad Akhund)
- Category: banking & payments
- Current tiers: Mercury Business (free) / Mercury Plus / Mercury Pro / Mercury IO Card
- Anchor price (2026): Mercury Business free; Mercury Plus USD 35/month; Mercury Pro USD 350/month; IO Card 1.5% cashback
What is Mercury?
Mercury is a digital banking and payments product that combines mobile-first account access with money-movement tooling under a regulated operator. Its product surface covers mobile-first checking and savings dashboards alongside bill-pay and instant peer transfers, with the recurring subscription paid through the operator's direct billing or App Store / Google Play / partner-billing surfaces. Customers buy a tier matching their usage profile; the entry tier is suitable for testing the product and higher tiers add features such as card management and freeze/unfreeze controls.
Why choose Mercury
Operator and ecosystem context
Mercury is run by Mercury Technologies, Inc. (banking via Choice Financial Group and Evolve Bank & Trust, FDIC members) out of San Francisco, California, United States, established 2017 (founded by Immad Akhund). That matters because the banking & payments category is increasingly consolidated and the operator's ownership structure (public vs. private, parent group, regulatory footprint) shapes how aggressively the product is supported and how stable the subscription terms are over multi-year renewals.
Plan structure and pricing tiers
The tier ladder splits across Mercury Business (free) for testing the service, Mercury Plus for everyday use, and Mercury Pro for power users or households. Anchor pricing for 2026: Mercury Business free; Mercury Plus USD 35/month; Mercury Pro USD 350/month; IO Card 1.5% cashback. Consult Subger's true-price tracker for Mercury for all-in renewal costs after taxes and FX conversion.
Banking and payment features
Beyond the headline features, the 2025-2026 differentiator for Mercury is 2024-2025 expanded into consumer with Mercury Personal (April 2024); launched Mercury IO 1.5% cashback business credit card; subject to ongoing FDIC scrutiny of fintech-bank partnerships. That gives the subscription a credible roadmap for the year ahead and distinguishes it from operators that are running their banking & payments catalog on autopilot.
Mercury features that matter in 2026
Highlights of the current feature set:
- mobile-first checking and savings dashboards
- bill-pay and instant peer transfers
- card management and freeze/unfreeze controls
- savings goals and round-up features
- biometric login (Face ID, fingerprint) and device PIN
- depositor protection where the operator partners with a regulated bank
Buyers should treat this list as a baseline for Mercury in the banking & payments category — confirm specific feature availability for your region on the operator's site, since some features and tier names vary between countries.
Mercury pricing in 2026
Reference pricing for Mercury in 2026: Mercury Business free; Mercury Plus USD 35/month; Mercury Pro USD 350/month; IO Card 1.5% cashback. The tier ladder typically looks like:
| Tier | Best for | Reference price (2026) |
|---|---|---|
| Mercury Business (free) | Standard banking customers | Free or trial |
| Mercury Plus | Premium account holders | Mercury Business free |
| Mercury Pro | Business or family customers | See live pricing on the operator's site |
| Mercury IO Card | Power users | See live pricing on the operator's site |
Subger pairs the public price with the actual all-in cost (taxes, FX conversion, promotional first-period anchors that step up at renewal):
| Subger tool | What it shows |
|---|---|
| True-price tracker | List price changes plus historical promotional anchors |
| Deals page | Active discounts and limited-time offers |
| Promo codes | Stackable codes for new and existing subscribers |
| Cancel guide | Step-by-step termination by billing surface |
Mercury apps and platform support
| Surface | Status |
|---|---|
| iOS / Android | Yes |
| Web account portal | Yes |
| Email and SMS notifications | Yes |
| In-app chat or hotline | Yes |
| Apple Wallet / Google Wallet | Where applicable |
| Customer-support email | Yes |
Surface availability for Mercury can vary by region and tier — confirm current app availability and supported devices on the operator's site before subscribing.
Who Mercury fits
Mercury is most likely a good match for the following buyers:
- Customers who want everyday banking and payment workflows handled inside a single mobile app — the core target audience for the product.
- The category-focused subscriber who specifically wants mobile-first checking and savings dashboards from a banking & payments operator rather than a generalist platform.
- The household subscriber evaluating the tier ladder (Mercury Business (free) / Mercury Plus / Mercury Pro) and willing to pay up for bill-pay and instant peer transfers.
- The cross-device user who needs apps across the surfaces listed above plus a credible upgrade path as new devices are added.
- The price-sensitive shopper who wants to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.
Frequently asked questions
What is Mercury and who runs it?
Mercury is a banking & payments product operated by Mercury Technologies, Inc. (banking via Choice Financial Group and Evolve Bank & Trust, FDIC members) headquartered in San Francisco, California, United States, founded 2017 (founded by Immad Akhund). It is sold via direct subscription on the operator's website and apps, with payments processed through the operator's billing surfaces.
How much does Mercury cost in 2026?
Current tiers are Mercury Business (free), Mercury Plus, Mercury Pro, Mercury IO Card. Anchor reference pricing for 2026: Mercury Business free; Mercury Plus USD 35/month; Mercury Pro USD 350/month; IO Card 1.5% cashback. Confirm the live regional price on the operator's site before committing, since promotional cycles and FX conversion can shift the all-in renewal cost.
Is there a free tier or free trial for Mercury?
Yes — Mercury Business (free) is available without an immediate paid commitment.
Where is Mercury available?
Availability follows the operator's licensing and service footprint anchored on San Francisco, California, United States. Confirm regional availability on the official site before subscribing, especially for products that have country-specific catalog or pricing rules.
What 2025-2026 features set Mercury apart right now?
The current 2025-2026 differentiator is 2024-2025 expanded into consumer with Mercury Personal (April 2024); launched Mercury IO 1.5% cashback business credit card; subject to ongoing FDIC scrutiny of fintech-bank partnerships. Together with the headline features listed above, that gives buyers a concrete signal that the subscription is being actively developed rather than coasting on a legacy catalog.
Which devices and platforms does Mercury support?
Coverage spans the surfaces shown in the platform table above. The current mobile, web and (where applicable) Smart TV apps are the recommended way to consume the service; older devices may be deprecated in successive releases as the operator focuses engineering effort on supported platforms.
How do I cancel Mercury?
Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for Mercury walks through each route step-by-step.
Does Mercury offer a family or multi-user plan?
Family or multi-account structures depend on the tier. The Mercury IO Card tier commonly adds multi-profile or multi-device support; the entry Mercury Business (free) tier may restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing to annual billing.
Is Mercury worth it compared to banking & payments alternatives?
Value depends on three factors: the specific feature mix you'll use (see the features list above), the regional price after taxes (Subger's true-price tracker for Mercury reconciles the headline price with the actual all-in renewal cost), and the credibility of the operator's 2025-2026 roadmap. Buyers should weigh these together rather than relying on headline price alone.
How can I track price changes for Mercury?
Subger's renewal tracker for Mercury records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.
Get started with Mercury
Confirm the current regional price on the operator's site (Mercury Business free; Mercury Plus USD 35/month; Mercury Pro USD 350/month; IO Card 1.5% cashback), choose the tier that matches your usage (Mercury Business (free), Mercury Plus are the most common starting points), and check Subger's deals page for Mercury for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.
Related Subger guides
Pricing
| Regional pricing | Plus | Enterprise |
|---|---|---|
| 🇺🇸United StatesUSD | $35.00 | $0.00 |
| 🇦🇷ArgentinaARS | ARS 30,450.00 | ARS 0.00 |
| 🇦🇺AustraliaAUD | A$53.55≈ $38.77 | A$0.00≈ $0.00 |
| 🇧🇷BrazilBRL | R$173.95≈ $35.49 | R$0.00≈ $0.00 |
| 🇨🇦CanadaCAD | CA$47.60≈ $34.83 | CA$0.00≈ $0.00 |
| 🇨🇿Czech RepublicCZK | CZK 812.00≈ $39.26 | CZK 0.00≈ $0.00 |
| 🇩🇰DenmarkDKK | DKK 240.45≈ $37.86 | DKK 0.00≈ $0.00 |
| 🇫🇷FranceEUR | €32.20≈ $37.88 | €0.00≈ $0.00 |
| 🇩🇪GermanyEUR | €32.20≈ $37.88 | €0.00≈ $0.00 |
| 🇮🇳IndiaINR | ₹2,905.00≈ $30.48 | ₹0.00≈ $0.00 |
| 🇮🇱IsraelILS | ₪127.75≈ $43.94 | ₪0.00≈ $0.00 |
| 🇮🇹ItalyEUR | €32.20≈ $37.88 | €0.00≈ $0.00 |
| 🇯🇵JapanJPY | ¥5,232.00≈ $33.30 | ¥0.00≈ $0.00 |
| 🇲🇽MexicoMXN | MX$598.50≈ $34.76 | MX$0.00≈ $0.00 |
| 🇳🇱NetherlandsEUR | €32.20≈ $37.88 | €0.00≈ $0.00 |
| 🇳🇿New ZealandNZD | NZ$57.05≈ $33.92 | NZ$0.00≈ $0.00 |
| 🇳🇴NorwayNOK | NOK 367.50≈ $39.93 | NOK 0.00≈ $0.00 |
| 🇵🇱PolandPLN | PLN 140.00≈ $38.85 | PLN 0.00≈ $0.00 |
| 🇸🇬SingaporeSGD | SGD 46.90≈ $36.94 | SGD 0.00≈ $0.00 |
| 🇿🇦South AfricaZAR | ZAR 654.50≈ $39.80 | ZAR 0.00≈ $0.00 |
| 🇰🇷South KoreaKRW | ₩46,200.00≈ $31.37 | ₩0.00≈ $0.00 |
| 🇪🇸SpainEUR | €32.20≈ $37.88 | €0.00≈ $0.00 |
| 🇸🇪SwedenSEK | SEK 364.00≈ $39.37 | SEK 0.00≈ $0.00 |
| 🇨🇭SwitzerlandCHF | CHF 30.80≈ $39.55 | CHF 0.00≈ $0.00 |
| 🇦🇪United Arab EmiratesAED | AED 128.45 | AED 0.00 |
| 🇬🇧United KingdomGBP | £27.65≈ $37.61 | £0.00≈ $0.00 |
Prices converted at current exchange rate
Available Guides
Sources
Subger is not affiliated with, endorsed by, or connected to Mercury or its parent companies. All trademarks, service marks, and logos belong to their respective owners. Information on this page is provided for informational and comparison purposes only. Pricing and plan details are sourced from publicly available information and may not reflect current offerings — please verify with the official provider. If you are a representative of this service and believe any information is inaccurate, please contact us at info@subger.com.
Similar Services
Track all your subscriptions in one place
Subger helps you manage subscriptions, find deals, and get notified about price changes across 12,000+ services.
Try Subger FreeAdvertisement: Some links on this page may be affiliate links. If you make a purchase through these links, Subger may earn a small commission at no extra cost to you. This helps us keep the site free and continue providing accurate subscription information. We only recommend services we believe provide value.