Mercury

Pros: Extremely clean and intuitive UI. Easy to navigate even for non-finance users Fast setup and onboarding compared to traditional banks Great for managing multiple accounts and basic cash flow visibility Smooth integrations with tools like Stripe and accounting platforms No hidden fees and transparent structure

Cons: Limited advanced financial features compared to traditional banks Reporting and analytics are basic, not ideal for deeper financial management Customer support is good but not always immediate for complex issues Not suitable for companies needing lending, credit lines, or more sophisticated treasury tools

Pros: Ease of use. Generally its all very intuitive and easy to setup and use. Its everything i was hoping it would be.

Cons: I did struggle trying to isolate a specific range of time while i was logged in on a mobile device, so there is that.

Pros: Works like a modern technology company, whereas most banks are difficult and unintuitive. It's also great that they don't have any hidden fees or transfer fees. It's super easy to give cards to new team members.

Cons: It would be nice if our checking account earned a modest interest rate instead of having to park cash in the treasury account.

Pros: Opening the account was incredibly easy and convenient. The technological edge is highly noticeable and saves our team a massive amount of manual work. It honestly feels like they anticipated every single banking feature we would need before we even realized we needed it.

Cons: I have not encountered any downsides so far. The platform has been completely frictionless for our daily operations.

Pros: Modern banking platform for Modern companies! - Ease of Use 10/10 , Straightforward Invoicing and integrations with accounting and expense management tools!. Never had a problem with customer service especially as a Non-resident founder.

Cons: Lack of phone support but email support gets response in a reasonable time frame. No other downsides really.

Pros: The ease of use of the platform, which is 100% self-managed, the clear way in which it displays information (texts and graphics) and the classification work that it saves me with the AI ​​tools.

Cons: The inability to have quick access to a human advisor and the app's outages during the period I've been using it.

Pros: Opening the account took a few hours and the whole process was almost fun. The app is genuinely good, not just functional. I have recommended it to a lot of founders and every single one has thanked me for it.

Cons: International payments are not that great. You end up using Wise on the side which adds a step. Small thing considering how well everything else works, but worth knowing.

Pros: Mercury makes business banking incredibly simple and intuitive. The interface is clean and modern, making it easy to manage accounts, send payments, and track transactions without any friction. Setting up the account was fast, and the overall user experience is far better than traditional banks. The integrations with accounting tools save a lot of time on bookkeeping.

Cons: There aren't many downsides. Occasionally, customer support response times could be a bit faster, but once you get a response, the team is helpful and knowledgeable. It would also be nice to see more advanced invoicing features in the future.

Pros: They are fast at getting back to you and attempting to resolve issues. They respond well although not enough clarity given.

Cons: They do not put enough pressure on other banks. I have fraud and they haven’t done enough to pressure the other bank

Pros: Ease of use is strong on Mercury. I can just get in and get out. I can focus on my business over how the financials are tracked.

Cons: Navigating to the invoices is always a bit unintuitive. I likely use this as the highest frequency feature and I would love to see it closer to the top or center of my screen.

Pros: Mercury has been extremely helpful for our operations. The platform is very practical, intuitive, and easy to use on a daily basis. Transactions, expense tracking, and account management are straightforward and efficient. Additionally, customer support is outstanding, whenever I need assistance, the team responds quickly and resolves issues promptly.

Cons: So far, we have not experienced any significant issues. The platform meets our expectations very well. Minor improvements could be made in expanding integrations and additional reporting features, but nothing that impacts our daily operations.

Pros: I truly have not found anything I don't like about Mercury. It has been a perfect fit for me and scaling my business. Specifically invoice management is smooth and effortless for my customers.

Cons: I have had no significant hang ups that cause me any frustration. Mercury as an app fits my needs and the UX is exceptional.

Pros: The best online bank there is, built for speed, great dashboard, great multiple account management and user management.

Cons: Dispute department used to be bad but now they're good. IO credit cards can't be charged from different accounts within Mercury which is frustrating. Also it misses a feature for an employee to create payment pending approval by a manager

Pros: Expenses are nearly instant, as soon as a transaction occurs it shows up on the account and a receipt can be uploaded

Cons: The only thing I don’t like about mercury is the transaction list is broken down by days. If you export it you can get a simpler list.

Pros: Mercury has by far the best user experience out of all the fintech and digital banking platforms I've tried before. I love it's ease of use, user interface, and navigation.

Cons: I am yet to encounter something that's considered a 'con' with Mercury. At this moment the only thing I wish can added is the ability to link debit or credit cards to specific checking or savings account.

Pros: The app works well, and is free. the treasury rates are good so good place to park fundraising cash (esp for startups because unlocking good rates often requires high minimum balances and Mercury's limits worked for us). Onboarding via stripe atlas was smooth.

Cons: Lack of support for foreign currencies (GBP in particular for us as we do business in the UK) can make dealing with foreign payments challenging.

Pros: I love the simplicity of the app and the overall service. I can have Multiple sub-accounts- business and personal. I get high Credit limits! The Expense Breakdown is brilliant, and the visualisation of the categories is also amazing.

Cons: The one thing I like the least is how confusing the IO credit limit is. I find it hard to understand how it works, but the auto-repaying makes it really easy to ensure I don't overpay on interest or miss a credit repayment date. The international fees can be really high for both sending money to international accounts and paying internationally also has high fees.

Pros: Using Mercury as your business bank comes with a clear advantage: it’s genuinely pleasant to use. The interface is clean, modern, and thoughtfully designed, making everyday financial tasks—like sending payments, issuing invoices, or tracking cash flow—feel intuitive instead of tedious. Compared to traditional banking platforms that often feel outdated or cluttered, Mercury prioritizes clarity and speed, which saves time and reduces friction in your workflow. For founders and small teams, this ease of use translates into better financial visibility and less mental overhead, allowing you to focus more on building your business rather than managing your bank.

Cons: One downside of using Mercury is that, while it excels in simplicity and design, it doesn’t always offer as many benefits or financial tools as some more traditional or full-service banks. Features like lending options, credit lines, cash deposits, and certain advanced treasury or investment products can be limited or unavailable, which may become a constraint as your business grows. Additionally, compared to competitors that bundle perks like rewards programs, higher-yield accounts, or integrated expense management, Mercury can feel relatively barebones. For startups with more complex financial needs or those looking to maximize financial upside through banking perks, this lack of depth can be a meaningful trade-off.

Pros: Is simple to open and account, and easy to manage all the products in the web. Have a really good customer service.

Cons: Don't offer credits to companies. Sometimes we have a delay in payments and even having a contract there is no way to have this money in front. Two times I asked for a physical card in my country, it never gets delivered.

Pros: Very user friendly and has made our startup banking incredibly easy. I have now opened 2 businesses on this and also referred others. The user interface is beyond easy.

Cons: I wish there was better tracking with invoices in the system and reconciling or received payments. This happens on quickbooks but Mercury's interface is much better

Pros: Easy to use, intuitive interface, smooth onboarding, seamless banking, and fast transactions and trustable.

Cons: Limited support for GTM collaboration and partnerships, would like more founder enablement here. It would be great if this were improved.

Pros: Free wire transfers, ACH. I'm not nickled and dimed on fees. Lots of helpful features like invoices, reimbursements, etc. The card cashback is nice.

Cons: There's no phone support for urgent issues. I've had situations where it would have been really helpful to speak with someone on the phone, but I had to send a message instead.