Mercury’s interface is excellent. The dashboard is clean, account management is simple, team cards are easy to manage, and everyday business banking is much more convenient than with many traditional banks. The product itself has generally been very easy to use. Review collected by and hosted on G2.com.

The dispute and fraud support process has been extremely poor. We had 20 unauthorized card transactions totaling $475.35, reported them immediately, and Mercury still concluded they were “authorized” without explaining what evidence supported that decision.

Over 34 days, we dealt with 3 support tickets, repeated email follow-ups, and multiple requests for help through X/Twitter. We were repeatedly told the case had been escalated, but substantive responses did not come.

What concerns me most is not simply that the dispute was denied. It is that Mercury would not answer basic questions about how the transactions were authenticated, such as whether the physical card, digital wallet, PIN, CVV, or 3-D Secure was used.

For a financial platform, the support experience when something actually goes wrong is extremely important, and this has been the weakest part of Mercury by far. Review collected by and hosted on G2.com.

Mercury provides a clean and modern interface for managing U.S. startup finances. The onboarding process is straightforward, and the product integrates well with many tools that early-stage companies use. Review collected by and hosted on G2.com.

Mercury may not be a good fit for founders who do any meaningful work internationally. My account was closed despite the company being a legitimate U.S. LLC with an EIN and a U.S. mailing address. The only unusual factor appeared to be that part of my work involves one international business address.

The closure happened quickly and without any opportunity to resolve the issue. For founders building global companies, that kind of uncertainty without opportunity for manual review makes financial planning extremely difficult.

Many startups today operate with distributed teams or founders who spend time abroad. Based on my experience, founders with any international operations should review Mercury’s policies carefully before relying on it as their primary banking platform. Review collected by and hosted on G2.com.

nothing really - because i can't use it after closing my account Review collected by and hosted on G2.com.

I'm really disappointed with Mercury. They closed my account even though my company has a legitimate US LLC with an EIN and a US mailing address. It's supposed to be a global bank, but they gave me just a week's notice to sort things out, which was super stressful as I had to notify all my customers. I've been a loyal customer with Mercury for five years and in business for ten years, and it feels unfair. I would not recommend them to others, especially global founders. Also, the initial setup was terrible, even if pretty straightforward for those who haven't faced account closures like I did. It's a no-brainer: don't hold funds and don't close an account of someone who's been with you for years. Review collected by and hosted on G2.com.

very bad experience with them and would not recommend to anyone Review collected by and hosted on G2.com.

My experience with @mercury: they closed my company’s account, held $42,979.58 for 60 days, then sent a U.S. check they know I cannot deposit as a non-U.S. resident. They refuse ACH or wire. International founders should be aware of this risk. Review collected by and hosted on G2.com.

I appreciate using Mercury as our main bank account for more than three years because it has been a blessing from day one. I love the simplicity and ease of use, especially being able to do anything from the app. The invoicing part of the platform is something we love, as it not only allows us to send invoices but also manage them, which is incredibly convenient. I can send an invoice quickly, in less than two minutes, and the process is even faster if the company also uses Mercury, making the ecosystem grow together. The initial setup was very easy, taking us less than 24 hours, which was impressive. I use Mercury daily for purchases and payments from Stripe, and for a small team of four people, it suits our needs perfectly. Review collected by and hosted on G2.com.

Sometimes the validation process is a little manual, so it would be nice to speed up the process. Review collected by and hosted on G2.com.

The interface and day-to-day experience are well designed: virtual cards, clean dashboard, easy wires Review collected by and hosted on G2.com.

Account stability. Mercury closed our Delaware LLC's account with a template notice referencing "associated addresses and/or frequent account activity" in prohibited countries — without naming a single specific trigger. We operate exclusively in the US market with zero restricted-jurisdiction transactions. Two appeals with full documentation offered; two copy-paste rejections; no individual review; no written explanation. There is no escalation path. If any founder on your team travels internationally or has any cross-border footprint, treat Mercury as a convenience layer, never as your primary bank. Review collected by and hosted on G2.com.

I appreciate Mercury for its low cost, which helps manage expenses efficiently for our main business bank account. The modern features of Mercury align well with our need for up-to-date technology, ensuring seamless banking experiences every time. I really value the continuous improvement of the platform, which consistently introduces enhancements that make these banking activities even more efficient. Mercury's process is very straightforward, and I found the initial setup to be really simple, without unnecessary complications. This ease of use is crucial for maintaining a smooth workflow in financial management. Overall, Mercury has simplified receiving wires and making payments to vendors, streamlining our financial operations. Review collected by and hosted on G2.com.

I dislike that Mercury charges fees for payments in other currencies. While I understand this is standard practice for banks, I was hoping Mercury could differentiate itself by not imposing these charges. Review collected by and hosted on G2.com.

I truly appreciate Mercury for being the most efficient bank I've ever experienced. The user-friendly and intuitive web platform makes everything so easy to navigate, even for someone who isn't a tech genius. Their customer service is outstanding, always available to assist you almost constantly, especially when issues arise with credit card charges. They provide comprehensive support throughout and ensure follow-ups, which makes for an amazing client experience. The initial setup for Mercury was surprisingly straightforward and effortless, resembling a walk in the park, underscoring how intuitive the entire system is without any hiccups. I’m so impressed that I wish I could rate it as a 20 on a scale from 1 to 10, but have to settle for a 10, which shows how much I am enthusiastic about recommending Mercury to others. Review collected by and hosted on G2.com.

I find the process of sending receipts to the Mercury system for accounting a bit problematic. The system struggles to easily open and read attached files, making it challenging to allocate the file to the expense. Especially if it is not in USD. This aspect could certainly be improved for a smoother experience. Review collected by and hosted on G2.com.

I really value Mercury's ability to easily handle my LLC banking needs, particularly for my software development. It's incredibly straightforward to send invoices and obtain custom links for regular payments via credit cards, which is a convenience I truly appreciate. I find Mercury's auto routing feature particularly beneficial because it allows me to manage funds within bank accounts seamlessly, setting aside money for specific goals like taxes. This functionality makes financial planning much easier for me. Additionally, I love that I can create as many digital cards as I need, which I utilize for managing and capping subscription payments effectively. This ability to cap subscriptions and prevent overspending is highly convenient, as I can swiftly establish new digital cards from my checking account with specific limits. Overall, these features collectively simplify my financial tasks and enhance my control over business expenses, which was more challenging with my personal Chase account. The transition to Mercury was significantly more efficient and straightforward, highlighting how user-friendly and adaptable the platform is for my business needs. Review collected by and hosted on G2.com.

I would love a full-blown accounting system integrated within Mercury that works more seamlessly with QuickBooks or connects directly with TurboTax. Currently, I have to upgrade my QuickBooks account, which is not ideal. Having a robust accounting feature or better integration would eliminate the need for using QuickBooks separately, as all my business expenses are through Mercury. This would be ideal since I prefer not to use QuickBooks. Review collected by and hosted on G2.com.

Beautiful metallic card and very sleek professional design. Review collected by and hosted on G2.com.

Their staff need retraining. A simple business address update request turned into a stream of emails back and forth to no avail. I was told for "compliance" reasons my business address couldn't be updated. A brick and mortar bank statement and utility bill were provided and they were ignored. Review collected by and hosted on G2.com.