Mercury
Plus
Flat price, whole team$35.00
× 12 months$420.00
Per year
$3.50 per person / mo
$420
Mercury vs Brex
Compare with for .
Mercury
71%
match · $420/yr
Brex
47%
match · $1,440/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Smaller bill
Brex
Premium
$12.00 × 10 seats$120.00
× 12 months$1,440.00
Per year
$12.00 per person / mo
$1,440
Mercury
From $35Free plan
Incorporated US startups, including VC-backed teams and companies with non-US founders, that want free wires, high FDIC coverage and a clean banking dashboard without a monthly fee.
vs
Brex
From $12Free plan
Funded startups that want banking, corporate cards, expense management and bill pay from one vendor, and that meet Brex's eligibility rules.
Side by side
| Mercury | Brex | |
|---|---|---|
| Pricing | Free banking; optional Plus $35/month or Pro $350/month ($29.90 and $299/month billed annually) | Business account free; spend platform Essentials $0/user/month, Premium $12/user/month, Enterprise custom |
| G2 Rating | Not yet verified | Not yet verified |
| Best For | Incorporated US startups, including VC-backed teams and companies with non-US founders, that want free wires, high FDIC coverage and a clean banking dashboard without a monthly fee. | Funded startups that want banking, corporate cards, expense management and bill pay from one vendor, and that meet Brex's eligibility rules. |
Pros and cons
Mercury
Pros
- No monthly fee and no minimum balance on core banking
- Free domestic and USD international wires
- Up to $5M in FDIC coverage through sweep networks
- Accepts US-formed companies whose founders live in many countries
Cons
- No cash deposits
- Treasury yield only unlocks at $250,000 in Mercury balances
- 1% fee on non-USD wires and 3% on non-USD card spend
Brex
Pros
- $0 wires (domestic and international), ACH and checks
- Treasury yield from the first dollar, no minimum
- Corporate card with no personal guarantee
- Spend management plan free on Essentials
Cons
- Eligibility targets funded startups or companies above $500,000 revenue
- No cash deposits and no ATM access
- Checking alone is covered only to $250,000; higher coverage needs Vault
Related comparisons
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Emily RodriguezUpdated October 2026
Best Business Bank Accounts for Startups
Mercury is the best default business bank account for most US startups: no monthly fee, $0 domestic and USD international wires, and up to $5M in FDIC coverage through partner banks' sweep networks. Choose Brex if you are funded and want cards and spend management in the same product, or Chase if you handle cash.
+1
Emily RodriguezUpdated October 2026Accounting & FinanceEmily RodriguezUpdated October 2026
Mercury vs Brex
Choose Mercury if you want the best all-round business bank account with free wires and a simple 1.5% cashback card. Choose Brex if you need a corporate card with detailed spend controls, global coverage or treasury yield below $250,000.
+1
Emily RodriguezUpdated October 2026