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Mercury Review
Business checking for startups and growing companies
Reviews 522
Mercury
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Mercury
Mercury
Great
Reviews 522
Michael Graw
Nov. 15, 2022
2 min read
Michael Graw
Mercury summary
Mercury is an online bank that offers high-tech business checking and savings accounts for startups and growing companies. The bank charges zero account fees and doesn’t require a minimum deposit. You can request physical debit cards or create your own virtual cards for employees. Mercury also offers an API so you can integrate your bank account with the rest of your business software.
Pros
  • No account fees or minimum deposit
  • Virtual debit cards for online purchasing
  • API for custom software integrations
Cons
  • Customer support by email only
  • Only accepts incorporated businesses

Mercury at a glance

3.6
Editorial score

Fees?

No fees at all
5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Limited customer service
2.0

Online experience

User friendly site with full online banking capabilities
4.0

Mobile experience

App only available on iOS/only Android
2.0

Mercury Mercury Visit Mercury

Advantages Over Traditional Banks

Mercury does not charge any account fees or require a minimum deposit to open a business checking and savings account. There are also no fees for check or ACH transfers or for receiving a domestic or international wire.

Another advantage to Mercury is that it takes a software-first approach to banking. You get access to Mercury’s API, which enables you to build custom integrations to link your bank accounts to the rest of your business software. Mercury also supports premade integrations for Plaid, Stripe, Gusto, Quickbooks, and eCommerce payment processors like PayPal and Shopify.

Cutting-Edge Banking Services

Mercury has several high-tech features, including the ability to create virtual debit cards for your employees. These cards can easily be used for online purchases and are simple to activate and deactivate from your account dashboard. You also have tight control over users’ access to your online account, and can use Mercury’s API to write custom rules for how employees can use your virtual debit cards. 

Mercury also offers a feature known as Mercury Treasury, which enables you to invest money in your savings account in short-term bonds and government securities. You can customize your portfolio to suit your cash flow needs, and Mercury estimates that you can earn interest up to 0.14% APY. You can also set up custom rules to control how money flows between your Treasury portfolio, savings account, and checking account.

Traditional Banking Services 

Mercury does not offer any traditional banking services. The company does not have physical locations and does not offer a network of ATMs. Mercury also does not offer business credit cards at this time.

Interest Rates and Fees

Mercury doesn’t charge any account fees and doesn’t require a minimum deposit to open an account. The only fees you could pay with Mercury are a $5 fee for sending a domestic wire and a $20 fee for sending an international wire. These fees are waived if you have a Tea Room account, which requires a $250,000 minimum balance. The Tea Room account also gives you access to Mercury Treasury.


Minimum DepositAccount FeesTransaction FeesMercury Treasury
Standard$0None

$5 sending domestic wire

$20 sending international wire

No
Tea Room$250,000NoneNoneYes

Customer Service

Mercury offers support by email only. The company typically responds to messages within several hours during weekdays and within 24 hours on weekends.

Email: help@mercury.com

Mobile App

Mercury has a mobile app for iOS devices, but not for Android devices at this time. The app enables you to monitor your account balances, track and search your transactions, and create and manage virtual debit cards on the go. You can also deposit paper checks using the mobile app and transfer money between your checking and savings accounts.

Security

Mercury uses encryption on all web pages and stores your account password using the ultra-safe bcrypt algorithm. The company never stores your debit card number in your account dashboard and uses additional encryption for sensitive information like social security numbers. Mercury also requires that you use an authentication app for two-factor authentication instead of SMS, which could be compromised.

All funds you keep with Mercury are stored in FDIC-insured bank accounts.

Mercury Mercury Visit Mercury

Summary

Mercury offers high-tech business checking and savings accounts built with startups in mind. This online bank doesn’t require a minimum deposit to open an account and there are no account fees.  The bank doesn’t have physical locations or traditional banking services. However, Mercury makes it easy to manage your company’s spending with virtual debit cards, flexible user permissions, and an API for custom integrations. Companies with more than $250,000 in deposits also get access to Mercury Treasury, which offers interest up to 0.14% APY.

Methodology

This review was created based on Mercury’s website and an email to Mercury’s customer support team.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about Mercury
Mercury
Great
Reviews 522
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Excellent
68%
Great
5%
Average
2%
Poor
3%
Bad
22%
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johnny b.
2 days ago
Mercury Bank is a refreshing experience…
Mercury Bank is a refreshing experience of what modern banking should be. The onboarding was streamlined and the website/app are easy to use and offer many advanced features.
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jeff
2 days ago
The application process was… SIMPLE!
The application process was straight-forward and user-friendly. I'm brand new, but so far so good! The mobile app seems very easy to use. My only hiccup is, short of going into our current bank to do a wire transfer into our new Mercury savings account, I found the best way to move funds in bigger amounts is to write a check from the other account and do a mobile deposit through the app. It seems the max. is $5K per day, so I'll just keep doing $5K chunks each day until we get all the funds transferred. Thank you for making your processes simple.
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greytgoodman
3 days ago
Horrible banking experience
Horrible banking experience. I signed up for Mercury to help run my checking account for my new business. I had my first check to deposit and their system did not recognize the routing / account number. I proceeded to resubmit pictures of the check at least 8 times. I then went to their customer service and the best thing they will do is answer a chat within what they claim to be 2 hours. I tried for 2 days to get them to help me deposit one single check. There was no number to call, no actaul live chat, just a 2 hour response from one of their team members in which they provided zero helpful information. Running a new business is stressful and your bank should make it easier, not harder, to run your business. Worst banking experience I have ever had by a mile and expect to ever have. Other than that, there was a huge problem with connecting Mercury to my CC company as well. Would NOT recommend for anyone starting a business.
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shahar
4 days ago
very easy onboarding process
very easy onboarding process
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john
4 days ago
My deposit into Mercury left my bank on…
My deposit into Mercury left my bank on 1/27 and is still not acccessible in Mercury…
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zachary
4 days ago
While we loved our local bank
While we loved our local bank, they weren't tech enough for us. Everything had a fee associated with it. Why should I have to pay $9.95/month to let my bookkeeper in? With Mercury the UI is great. My bookkeeper can get access for free and we've already used the Slack perks.
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joel
7 days ago
Satisfying
Mercury has hit every box I was looking for in an online technology driven bank. Their CS has been quick and helping with accommodating responses to the questions asked. I’d like to see a quicker processing of ACH from linked accounts and a higher transfer rate from day 1.
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christine
7 days ago
It was super fast and so easy
It was super fast and so easy
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henry
9 days ago
Misclassified Our Corporate Structure, Cost Us $10k+, Offered No Restitution
Bank was completely unable to manage our company's conversion from an LLC to a C-Corp (which is embarrassing for a bank that was created to help startups). I attempted to handle this the moment we converted, and found out 2 months later that the rep that we had previously spoken to had done the wrong thing and had been let go for not following procedures (though, the fact that they did not go back and audit that rep's previous actions to make sure there weren't other mistakes is also a terrible sign). Because of this issue, I found out 2 months later that our account was ineligible for their interest-generating treasury product. At that time, I was told that in order to qualify for it, we had to create a new account and close our current one because they couldn't handle the conversion from an LLC to a C-Corp. Mind you, this was in the middle of our fundraise, when we had sent wire instructions to our investors, and Mercury was telling us they made a mistake and that we would have to change all our account info (that they said would take over a week). Then, last week I spoke to another rep who said that the previous TWO reps were incorrect, and that they can follow a different protocol to convert us in their system from an LLC to a C-Corp. Then, after the third rep told me that they were able to convert us and submit our application for the interest-product, I found our days later from a fourth rep that our application had been put "on-hold" because they were confused about the LLC to C-Corp conversion. Now they claim that the application has been submitted and that it will take another 2 weeks to review it. At a certain point, the lack of transparency, protocols, or even remote desire to take responsibility for the incompetency is indicative of a company who does not care about their customer experience. Because of all this, we have missed out on $10k+ in interest, which Mercury told me they have no responsibility for or intention of trying to make it right in any way. As of now, we are still not on their interest-generating product, and are switching to a new bank. When in doubt, go with the established banks who have tight protocols, experienced representatives, and actually care about customer retention. This was a huge time sink for me, and ultimately cost us a lot of money.
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jason
10 days ago
Slow bank transfer times compared to…
Slow bank transfer times compared to other banking solutions. Interest rate is much lower than Amex Banking. I do like the app and functionality.
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miriam
11 days ago
Very impressed with Mercury so far!
Very impressed with Mercury so far. I just started using it for my small business, and I love it's capabilities, ease of use, and intuitive user experience. It has great branding to boot.
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nathan
11 days ago
No way to connect a bank account other…
No way to connect a bank account other than Plaid, long wait times for check deposit, etc.
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bojan sekulovski
13 days ago
THEY ARE A COMPLETE SCAM!!!
When I started using them as a fintech solution they were very supportive and they gained my trust which was my grave mistake. After a while, when I began to have more business and my transactions increased, they started mailing me asking me things banks usually don't do, which is not their business. Anyway, I was collaborative with them all the way and provided them answers and documentation required when they suddenly decided to shut down my account without any warning and they stole my money. THEY ARE A COMPLETE SCAM. I really don't know how the THIEFS they called COMPLIANCE TEAM can sleep at night robbing people of their honestly earned money.
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tanvir nahid
13 days ago
I am using mercury’s business bank…
I am using mercury’s business bank which I got from stripe. Everything is fine but the card they promised to send me, never got into my hand.
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çağdaş acar
16 days ago
All dno customer support. no answer.ocuments belonging to my company…
All documents belonging to my company have been sent in America. mercury bank stated that it does not accept official documents. They said they will not activate my account. there is no interlocutor. What does the problem say? my company address. my company documents I sent a certificate. but they don't open. No explanation why.
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herson
17 days ago
Everything takes too long to process and there’s no feedback on what’s going on
Everything takes too long to process and there’s no feedback on what’s going on. It took several days to open up the account and then it’s taken 5 days and counting to move money
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asma mahmud ena
17 days ago
New Scammer Stay away!!
they will suspend your account and then will not return you , they are thief And a New Scammer . New Scammer Stay away!!
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kalie johnston
21 days ago
This was very difficult process to set…
This was very difficult process to set up account, took week to verify funds.
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r bhattacharya
24 days ago
This is worest bank ever/ never ever relay your business on them
This is worest bank ever. No customer care only mail support. Any time they can close your account without giving any notification. Other custome please aware. do not relay on this bank.
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jack
24 days ago
Dispute Requests will not be honored. Find another bank before it's too late.
We got scammed by a tax preparer and wanted to start a dispute on our credit card charges. When we reached out to Mercury, they declined to do it. We never had a dispute request in the past and they did not even start the process. We ended up losing ~$800.
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alexander
25 days ago
Innovative way of bussines accounts.
Until now it has been an innovative experiencie and I really liked the way to open a businnes account that is different form traditional banks, but that have almost the same characteristics but in a ligther way.
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denley macdonald
25 days ago
Difficulties for non-residents
Difficulties with opening accounts for non-residents.
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cv
a month ago
10/10
He tenido varias cuentas bancarias, pero admito que ésta ha sido la mejor por lejos. La interfaz de usuario es bien minimalista pero tiene todo lo que vas a necesitar usar, por ende vas a encuentrar todo rápido. Lo único que le mejoraría es que lo abran para el público en general, no solo LLCs. Es realmente genial, RECOMIENDO.
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karthik
a month ago
Physical cheque deposits made virtual
Getting my physical cheque deposited into my Mercury account was a breeze vs. the alternatives of either mailing the cheque or worse personally travelling to the US just for that! The dashboard is easy to use and follow - early days but I'm happy I found Mercury
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jacqueline
a month ago
So far so good but it would be better…
So far so good but it would be better if you provide us with a phone number to reach customer support.
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pdeadvertisements pdeadvertise
a month ago
Excellent support so far
Excellent support so far. I am a new client. Will get back again after some time.
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steven
2 months ago
New User Experience was great
- Wire transfers to and from are free!! - Wire transfers send and receive are lightning fast -And Wire transfers can be done on-line, very convenient - Account setup was quick and easy -the interface is very simply and user friendly - Confirmation emails for transactions are great - I can easily see growing my business here
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john
2 months ago
So far so good
So far, so good. The check clearing process takes longer than usual, but the only hang up for me at this point. Your customer service team responded in 24 hours to a request to raise the check deposit limit, which was helpful. I'm looking forward to using all of the features once the check clears into the account.
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can iynemli
2 months ago
worst online bank for US Entity
I been using Mercury bank almost 2 years, and im a international customer who has US Disregarded entity. This month i have placed 20 domain in godaddy, and was using different virtural credit card. After the i done the payment canceled the virtural card and deleted on my account. Godaddy inform me promotion only can use 1 time and they decided to refund all my money. So the money couldnt land to my credit card since virtural card already canceled by me, 2 days later mercury send me email and treating me to closure my account within few days. I have explain them to i did nothing wrong just basicly buying a domain. They decided to close my account. What a joke from Chinese company who is running in US.. Stay away from them...
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richard lanis
2 months ago
Easy to get started
Makes it easy to open and get started running your business
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mohamed shaker el-barone
2 months ago
Mercury just permanently closed my bank…
Mercury just permanently closed my bank account with almost 20k$ stuck and I dont know what will happen to them, also Im due to submit my Tax info to the IRS and almost my whole year transaction data is gone with my account being locked, this is truly unprofessional and very disturbing
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darshan joshi
13 days ago
i used Mercury.com for over a year
i used Mercury.com for over a year. Until they closed my account with $38000 funds in it. AVOID banking with this guys, they are not FDIC complaint. They don't reply and steal your money. There are a lot better alternatives for offshore Business banking. Stay away from Mercury scammers who don't respond to emails and phone calls and steal money. They had accepted stripe payouts even after closing account and doesn't returns it.
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eric
2 months ago
New Startup Might Have Found Gold
We (a small company) are a new user - so far things are running well - bank to bank transfers are somewhat slow - perhaps that is the system for all banks. Communication with Ryan (our guide) was fast, honest, accurate and frequent - awesome!. As business increases it will be interesting to see how Mercury handles transient or permanent increases in limits and so forth - but in a competitive market, Mercury, thus far, seems to be an A-lister.
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outlanders corp
2 months ago
Great! Until they close your account.
Mercury suddenly closed my account following a goof by PayPal wherein PayPal cancelled a transfer into my business checking. This is obviously not a very suspicious action (no money ever left PayPal nor Mercury), yet they closed my account anyway. Worse, they've reported the company's EIN to Chex so I am having troubles opening accounts elsewhere.
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jason alexander
2 months ago
Don't Bother with Mercury for Business Banking
NOT TRUSTWORTHY I have perfect credit and have many business accounts at Chase, Bank of America, Bluevine. I decided to try Mercury and I applied for a business checking account at Mercury and without any explanation they declined to open the account. I have read many others say the same thing. They take all your private info and won't open the account. This is the email they sent me: "We understand this might be frustrating and that you might be hoping for more detail on why we couldn't open the account, but we can't provide specific insight into our process. Our review process is detailed and considers a wide range of factors. We appreciate your patience and understanding."
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or hosting
2 months ago
AVOID AT ALL COSTS!!!
AVOID AT ALL COSTS!!! Non-US residents with an LLC registered in the US can open an account there according to their FAQ. We have provided every single document needed and still declined. Also, the email response is disappointing, and not having a phone or live chat ufff. Moving on.. my review stays
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javier dolcet
13 days ago
I make a wire transfer to a Citi bank…
I make a wire transfer to a Citi bank account that never arrived. When I call to Citi to understand they told me that the wire is frozen and they are waiting to receive information from Mercury. Apparently, Citi has contacted Mercury 6 times without any answer. Today is January 21th (already two months) and I still don't have any answer on the wire. It seems my money is lost!
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rely on ants
3 months ago
They refused open bank account due to…
They refused open bank account due to Ukrainian citizenship. I believe It was the main reason why they refused to create an account. Shame them!
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paypal sales
3 months ago
AVOID AVOID AT ALL COSTS!
AVOID AVOID AT ALL COSTS!, Absolutely garbage customer service they only be reached via email and after being with them for 3 years with a balance of 2.3 million dollars, they suddenly decided to shut down my account for undisclosed reasons
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gary rick
3 months ago
No customer response
Hi this is in regards to a stripe withdrawal in a closed mercury account, kindly reverse that transaction. Mercury closed my account on 30th August and took a withdrawal on 11th october for around $273k. When stripe tried to reverse the transaction mercury denied it. Kindly resolve this! i already complained to CFPB. it looks like they stole my money
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yasir çiçek
3 months ago
Poor Customer Service & Accounth Management
Due to a payment received in our account, some documents were requested and our account was suspended. Although we sent them all the necessary documents on the same day, they were never returned. Although we asked several times about the process and what the problem was, we did not get any response. We cannot use our cards and cannot access our account and transfer money.
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arnold touko
3 months ago
APPLICATION DECLINED
Good evening to all. This bank was recommended to me by TRUIC as the best online bank. Non-US residents with an LLC registered in the US can open an account there according to their FAQ. I have provided all the necessary documents, filled in all the required parameters. My country of origin is eligible, my documents valid, but despite all this and without any major reason I was rejected without explanation. I am forced to stop my project because this bank does not want me. I am very hurt and I have lost everything. Please support the entrepreneurs.
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kathyrnwa campbell
3 months ago
The most useless bank anyone could use
The most useless bank anyone could use. They close your account for the most stupid reasons. A certain Gordon is the grim reaper of this useless entity that parades itself as a bank. I had acquired a new e-commerce store and the payout came into my account. Despite providing the documentation Gordon requested, he shut my account down. On top of that, $395 of the funds remained in the account and they have refused to return it or release it to the account I provided. Gordon, who was always ready to respond, suddenly stopped replying my emails about the money. I will not recommend them. Stay away from them.
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yassine
3 months ago
Stay away guys don’t risk your money
Stay away guys from this little company. And don’t risk your money at least don’t risk using them for serious business cause they can close your account for no reason. I see people here talk about getting their account closed for disputing a fraudulent transaction. Mine too they didn’t give a reason why they closed my account. my business is 100% legit am still banking with real physical banks and never had any issues. One more time stay away from this little company.
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manuel moreira
3 months ago
Garbage Banking In A Nutshell
Garbage experience. Been a client for 2 years, yet as soon as I try to dispute three back-to-back payments from a fraudulent supplier I did not recognize not only was I not able to but also got my account closed for exercising my right to dispute. I'd give it negative stars with I could.
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procor b
3 months ago
excellent service from the entire team
excellent service from the entire team. They help you with the process, plus it is super fast and agile
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abhijit kumar sah
3 months ago
stay away from this company
stay away from this company they will close your account anytime when they want without any specific reason.
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panashe
3 months ago
5 Star Banking…
It's the easiest and fastest banking platform we have ever used. The dashboard is secure, looks good, and works reliably every time. We have never had issues sending or receiving bank transfers or transacting with debit cards. 5 Star Banking indeed.
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alex
3 months ago
One year with Mercury, everything is great
Last week was exactly one year since I started working with Mercury. I opened an account for my new US company. After I came to the USA, I opened a Bank of America account for my company. Now I can compare them. Mercury is in 2022 and Bank of America has stuck somewhere in the 90s. The only thing I was missing by Mercury was a credit card with a cashback. We spend a lot of money paying for our customers' and our own ad campaigns using credit cards. But Mercury has this new awesome IO card with a cashback! Support replies on the same business day. I hope one day they will also have 24/7 live chat support and I would call them perfect.
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marcin ziolkowski
3 months ago
Not the place for international business
Handling international payments is a joke. My client sent payments in EUR instead of USD and Mercury staff can't find the payment for 2 weeks. Their system does not have functionality to locate unmatched funds since all the international wires end up on a single corporate account to which they do not have access to. This whole set up is a farce not a real banking if the staff cannot work with it in order to resolve clients' issues and mistakes. Im out of 18k and can't pay my contractors in time. I do not recommend this company to do any international business.
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elle
3 months ago
There is no one at the end of a phone…
There is no one at the end of a phone and they only work Monday to Friday 9am to 5pm. If you have any urgent payment issues you have no chance of getting hold of an agent to help. They put a cap on my monthly and daily spending limit which I could not alter in my online banking. I urgently needed to make a large payment to a supplier and had no email response until the next day. Completely backwards for a company that is supposed to be leading the way forward in banking.
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ned
3 months ago
Dispute department is a disgrace
I loved Mercury bank for a long time, (and I still do) but the dispute department is a disgrace. A merchant charged me without my consent, for 2 months straight due to a bug on the merchant's end, the merchant's support could refund me for 1 month and asked me to dispute the second month (due to technical issues they cannot refund for older transactions easily). I disputed the charge in Mercury and attached a description and picture of the support rep asking me to dispute, and surprisingly - I received an email from a Mercury rep stating I am not entitled to open a dispute, without further explanation. After a long 8 days of back-and-forth communication with a rude rep - I was told a dispute won't be opened for me and it's final, without stating the exact reason for that. So far I was using Mercury's debit cards for over $10K/month charges for various transactions. This stops now, I will use their debit cards for nothing as they give me 0 legal coverage as their client.
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caleb sanchez
3 months ago
my friend has his company on the name…
my friend has his company on the name of Poteauentreprises. we are really unable to work Because we have been blocked since October 14th.we did nothing wrong. it's just transactions due to our work. or our services
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caleb sanchez
4 months ago
I don't know exactly what happened but
I don't know exactly what happened but, Mercury seems not to agree with transactions on other platforms like Western Union. Money gram etc... A friend's card was blocked Because he wanted to do a transaction with Western Union to send to someone else. If I could get an answer that would be fine with me.
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domenico crescenzo
4 months ago
35k disappeared for more than a month
I sent money to an Italian account. The money was never received because rejected by their partner bank JP. More than a month now and the money (35k) has not been returned yet. They simply say "there is no SLA to get your money back" and take no action. They told me to contact directly their partner JP and gave to name or email address. Terrible
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sean austin
4 months ago
Mercury is a phenomenal platform to use…
Mercury is a phenomenal platform to use on a daily basis. Between cost savings and headache reduction I HIGHLY recommend ditching whatever you use now and move to Mercury. I'm CEO of a growing tech startup (for important review context).
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c. ellentoft
4 months ago
Best banking platform for startups
Best banking platform for startups
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ismail sayeed
4 months ago
Versatile Banking Solution for SMEs
Amazing banking solution for online businesses and SME's. Great user experience and useful tools to facilitate direct ACH and international Wire transfers easily.
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max
4 months ago
Great service
Great service! I like it. Best bank ever.
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rex brown
4 months ago
Great Partner for Start Up Companies
For a start up company looking to establish a banking partner while dealing with investors and funding options Mercury Bank has been a excellent partner allowing us to grow into our services and add team members!
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james le compte
4 months ago
Great platform with excellent customer…
Great platform with excellent customer service and full banking functionality. Love the fact that we could open the account entirely online without the need to be residing in the USA. Five stars all around.
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alejandro
4 months ago
I Loved but I need Audible perks
I Loved but I need Audible perks! pls
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akshay
4 months ago
Great product
Great product. My first neo banking experience. Very satisfied. Just that Mercury needs to work on improving their mobile app more.
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omar iqbal
4 months ago
Very convenient and seamless banking…
Very convenient and seamless banking experience with Mercury. They cover all the necessary services you would require as a business and handling transactions are secure and smooth. The new features are also very useful. Totally recommend them over any other.
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jason merrick
4 months ago
Not Nearly Enough
To have seamless banking services is not enough anymore. Low fees and no wire fees are great, but not enough to keep us. You have no additional services for post product, pre revenue startups. Your additional services are for Seed level startups, same as SVB, Brex, etc. When we reach that stage, you have done nothing extra and nothing innovative to keep us. And don't worry, we won't go with SVB or Brex either. They are the same as you.
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gypsy soul
4 months ago
Mercury is the best Fintech for…
Mercury is the best Fintech for businesses that deal in only US$. It is the best Fintech one can have. Did I just say that already!
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wa'il ashshowwaf
4 months ago
love the platform.
love the platform. Only issue i have is if need to talk to customer service for urgent cases, like issues with wires, possible fraud, etc. I don't feel confident I can get connected to someone immediately, especially if its a holiday.
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allen
4 months ago
Very satisfied with the services
Very satisfied with the services that we have received from Mercury and would recommend it.
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almaw
4 months ago
Thank you for your continues help but I…
Thank you for your continues help but I ordered my debit physical card 5 month before- not received yet!
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andrew jernigan
4 months ago
Excellent service
Excellent service, easy to use and highly recommend
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justin
4 months ago
Best business bank by a country mile...
Been a mercury customer since the early days after trying out all the big business banks - Chase, Wells Fargo, Silicon Valley Bank, Capital One. Mercury has been the best experience by far. Easy (and free) ACH payments, ability to link multiple accounts even across different businesses entities, and amazing customer service. Don't bother looking anywhere else. Highly recommended!
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pz
4 months ago
Would be 5/5 if not receiving an…
Would be 5/5 if not receiving an international wire over 70 days. My business partner from India had a huge problem with processing payments via so many banks.
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florent pignaud
4 months ago
Great experience
Great experience, onboarding and customer service very convenient
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mark
4 months ago
No one else could help
No one else could directly address our banking needs since we have an international partnership, Mercury fixed all of our problems.
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selectum llc
4 months ago
Excellent online bank
I’m a owner of a US based company, I applied at Mercury Bank and was rejected, so I contacted Kemal Didič and explained my situation and eventually my account is opened. Glad to be on board with Mercury. Excellent expereince.
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varrick
4 months ago
Best Banking Service
Best Banking Service 100% Recommended!
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дмитрий доскевич
4 months ago
Very fast reaction
Very fast reaction, clearly answered all questions and helped with finding solutions! I am very satisfied with the customer service provided. Very friendly and pleasant! Thanks Fauzan Butt
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juan
4 months ago
Best App experience to open a account
Easy way to set up a new business focus in startup and small business. Best tools to easy open account in a few steps and process of verification. So happy with all the process and with the fees schedule.
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h. ali
5 months ago
I’m using it from last 1 year and found…
I’m using it from last 1 year and found it the best bank for small business honours. I don’t know how they are making profit but they charge nothing. Thanks Mercury!
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gabriel
5 months ago
Mercury has been excellent so far
Mercury has been excellent so far. I send international wires to vendors and manufacturers, and Mercury has made the process seamless. How payment information is processed and verified gives me peace of mind that money isn't being tossed to the wind. I love that I can integrate my account with my primary banking app, making it easy to see my total cash on hand across business and personal finances.
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obaid masih
5 months ago
Pretty good service so far
Good company
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jamil
5 months ago
I am really happy with mercury
I am really happy with mercury. Very easy to use. To open the account. I’m very happy :)
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md shahadad hossain
21 days ago
Worst service and rude
They are very rude and very disappointed their service. They blocked my account without reason and said potential frauds. I asked them to provide me what I done but they said they can't tell me. If someone wants to see I can send you their email. Overall a bad experience also ruined my entire business.
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sarah
6 months ago
Perfect for a new startup
Loving the app so far. The setup was easy, clean, and accessible. I appreciate having a real person following up and answering my concerns
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john
4 months ago
Bait and switch + poor customer service
Bait and switch. Was told I’d have access to the treasury program then after wiring initial funds they said they were no longer offering that program through my referral partner. Customer service didn’t offer to help at all - just told me I could close the account if I wasn’t happy.
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vanyali
6 months ago
They have real customer service!
I use Mercury to cash my paychecks from my consulting work. When I needed the limit raised how big a check I could deposit, I actually got to talk to a real person about it, and they made it happen. This is much better than the other online banks I have tried.
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matthew
6 months ago
Dead simple product experience
Dead simple product experience, no issues so far.
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sebastian
6 months ago
Definitely the best US bank for business
Definitely the best US bank for business
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indrek
6 months ago
Easy hassle-free process
Easy hassle-free process
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christopher
6 months ago
Mercury is what banks should be like
Mercury is what banks should be like. 100% online, seamless, clear UX, free wire transfers. I use them for our business after considering many options and I am glad we went with Mercury.
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leo
6 months ago
So basically I give this one star and…
So basically I give this one star and warn every business man/woman from using it. They are friendly and responsive at the beginning, out of the sudden they can close your account with no warning nor explanation and keep your money until further notice (They don´t tell you when). If you try to contact them they don´t reply. So after this happened to me I looked online and this has happened to a lot of leggit businesses, specially foreign ones. They have a credit and loan business which I can infere they use the blocked accounts money to sustain while they make money off interests, be very careful if you don´t want your money to get frozen out of the sudden just because they felt the need. Horrible business practices
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jack
6 months ago
Account close for no valid reason
This review comes from using Mercury for a year. Last week, they closed my account, claiming that it had been the subject of disputes and that they were closing it. When I emailed them, they never responded. After a week, they replied and asked for my other bank information so they could transfer money. Based on this experience, I can assure you that choosing Mercury or any other virtual bank is not a good idea. If you aren't processing a lot of money with them, they may close your account at any time.
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georgiev
6 months ago
Just opened an account with Mercury
Just opened an account with Mercury. Process was fast and straightforward. Looking forward to be working with them.
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recsmartt admin
6 months ago
Mercury is the Modern Bank for Entrepreneurs
My experience with Mercury has been truly amazing. My account manager Mr Fauzan Butt is extremely professional and knowledgeable. He is very patient and offers great solutions for any start up that needs modern and proper banking services. I commend him for his service and dedication.
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burak kocamış
6 months ago
Simple and smooth’
Great pre-application support by Kemal and very fast review process after completing the application. UI/UX is very simple and smooth. I didn’t think it was that simple yet secured. Thanks!
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lucas
6 months ago
Fast and simple onboarding
Fast and simple onboarding, beautiful user experience and real support. Coming from Bank of America, is like a 40 year jump into the future.
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mimi
7 months ago
Great company to work with
Great company to work with - gives everyone a chance. Staff is phenomenal and always very helpful.
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francishel polanco
7 months ago
THE BEST SERVICES …
ESTOY FASCINADA CON EL SOPORTE TÉCNICO DE MERCURY.. eSTOY APERTURANDO MI CUENTA DESDE ECUADOR Y HA SIDO MARAVILLOSA LA ATENCIÓN QUE ESTOY RECIBIENDO Y EL ASESORAMIENTO DE PARTE DE KAMIL... mUCHISIMAS GRACIAS POR EL APOYO... 100% RECOMENDADOS
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jeran
7 months ago
Fluid
Fluid. Clean. Simple.
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victor trac
7 months ago
Best business bank around
Best business bank around. Great, modern website, easy to use app, and easy wires. I also love that I can have an admin submit payments that I can go through to approve before they send.