Mercury (startup banking + Perks marketplace)

Fee-free startup business banking with a partner-perks marketplace.

MercuryUpdated monthly · checked 4 wk ago

Mercury (startup banking + Perks marketplace) is a banking and fintech perk from Mercury, offering $0/month business banking + partner perks marketplace, for startups in the US, no funding required.

Value: Free
Who qualifies: No funding needed
Benefit type: Free plan
Terms: Verified

Apply at Mercury

Get new Banking & Fintech programs by email

Get an email if Mercury (startup banking + Perks marketplace) closes, changes its offer or sets a deadline. Also every new Banking & Fintech program as it opens. Unsubscribe in one click.

While you apply

Also useful for banking and incorporation

Applying to Mercury takes a few minutes.

AirwallexGlobal accounts in 20+ currencies, multi-currency corporate cards and global transfersFree plan

NovoUS business checking with no monthly fee and no minimum balanceMore than $3,000 in partner perks

doolaUS LLC or C-Corp formation for founders in any country, no US residency or SSN needed30-day bookkeeping trial

What you get

Inside Mercury (startup banking + Perks marketplace)

Business banking with no monthly fee on the base Mercury plan (Mercury Plus at $35/month and Pro at $350/month are optional), no minimum balance, up to $5M in FDIC insurance through its partner banks' sweep networks, a 1.5% cashback IO card with no personal guarantee, and a perks marketplace of partner discounts on hundreds of tools, including AWS and Google Cloud.

Source: The provider's official program page (mercury.com/perks) · as of Oct 15, 2026

Eligibility

Who it's for

Any stage No funding needed US

Funding / backing: No funding needed
Geography: US
Recurring / expiry: Ongoing perks marketplace; individual partner offers have their own terms.
Other requirements: A US-registered company (LLC, corporation, partnership or non-profit) with an EIN; founders can live outside the US. Sole proprietorships and trusts are not supported. Perks are third-party partner offers.

How to claim

How to apply for Mercury (startup banking + Perks marketplace)

What to have ready

Your incorporation details (EIN or company registration)

Steps to apply

1Open a Mercury account (US entity required) and access perks from the dashboard.

Good to know: The perks page lists 272 partner perks and states no total dollar value (the earlier $175K+ headline is gone), and there is no public new-account bonus.

Apply at Mercury

Source: The provider's official program page (mercury.com/perks) · as of Oct 15, 2026

Value is the headline maximum Mercury advertises. What your company actually receives depends on your eligibility and how you use the program, and terms can change. A comparison, not endorsed by the programs listed. A program labeled Same owner comes from the company that runs StartupPerks. Confirm current terms on the provider's page.

If you don't qualify

Compare other banking & fintech programs

Mercury (startup banking + Perks marketplace) has eligibility restrictions. These alternatives have no accelerator or investor requirement. Check each provider’s current terms and availability.

Wise Business Account

Wise

See offer

Chimoney for Startups

Chimoney

Free for 6 months

Payoneer Business Account

Free · up to 10 users

Questions

Mercury (startup banking + Perks marketplace): common questions

What do you get with Mercury (startup banking + Perks marketplace)?

Mercury (startup banking + Perks marketplace) offers $0/month business banking + partner perks marketplace.

Who qualifies for Mercury (startup banking + Perks marketplace)?

Mercury (startup banking + Perks marketplace) is for startups in the US, no funding required. A US-registered company (LLC, corporation, partnership or non-profit) with an EIN; founders can live outside the US. Sole proprietorships and trusts are not supported. Perks are third-party partner offers.

Do I need to be VC-backed or in an accelerator to get Mercury (startup banking + Perks marketplace)?

No. Mercury (startup banking + Perks marketplace) is open to any startup that meets the stated criteria, no investor or accelerator backing required.

How do I apply for Mercury (startup banking + Perks marketplace)?

Open a Mercury account (US entity required) and access perks from the dashboard.

How long do I have to use Mercury (startup banking + Perks marketplace), and does it expire?

Ongoing perks marketplace; individual partner offers have their own terms.

Is Mercury (startup banking + Perks marketplace) available outside the US?

Mercury (startup banking + Perks marketplace) is available in the US.

Has Mercury (startup banking + Perks marketplace) changed its terms?

Not in our reads. We have read Mercury's page for it 2 times since October 3, 2026, most recently on October 15, 2026. None of them found a different figure or a change in whether it takes applications.

Terms history

Mercury (startup banking + Perks marketplace)'s terms over time

We have read Mercury's page for it (mercury.com/perks) twice since October 3, 2026, most recently on October 15, 2026. No read has found a different figure or a change in whether it takes applications.

Every startup program change we found this quarter

The full listMercury Perks: all 273 deals, compared with applying directlyEvery perk Mercury lists for its customers with its conditions, read from Mercury's own page on October 28, 2026.Free expense management, comparedMercury's free plan next to every other free expense platformWhat each expense platform gives you free today, its main limit and what the first paid plan costs, read from each provider's own page.