Mercury

Mercury is an online business banking platform built for startups, small businesses, and scaling companies. It combines checking and savings accounts, credit cards, payments, and invoicing into a single dashboard — no physical branches or paperwork required. You can apply online in about 10 minutes and get access to free accounts with no minimums, earn up to 3.61% yield through Treasury by Mercury Advisory, and use business credit cards that offer 1.5% unlimited cashback. The platform also handles international payments with no fees on USD wires, so you can send money around the world without eating into your margins.

What makes Mercury different from traditional banks is how much of the work is automated. When you upload a bill, the system reads it with AI and populates the payment details automatically, remembering past recipients so you can approve and pay in seconds. The accounting side syncs with QuickBooks, Xero, or NetSuite, and uses AI-powered automations to close your books faster. You can spin up virtual cards instantly for specific purposes like ad spend or contractors, and emailing or uploading a receipt auto-attaches it to the right transaction. A universal search bar lets you find any transaction, vendor, or card in seconds.

Mercury is most useful for founders and small business owners who want to spend less time on financial administration. If you run a SaaS company, an ecommerce brand, or an agency, the platform gives you the same kind of speed and control you'd expect from modern software — not a legacy bank. Over 300,000 companies already use Mercury to manage their money, from early-stage startups to more established businesses. It's a straightforward alternative to the traditional banking setup, with the added convenience of AI handling the repetitive parts of bill pay and bookkeeping.