Mercury
Plus
Flat price, whole team$35.00
× 12 months$420.00
Per year
$3.50 per person / mo
$420
Mercury vs Ramp
Compare with for .
Mercury
71%
match · $420/yr
Ramp
63%
match · $1,800/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
Ramp
Plus
$15.00 × 10 seats$150.00
× 12 months$1,800.00
Per year
$15.00 per person / mo
$1,800
Plus a base fee
Mercury
From $35Free plan
Startups and online businesses with a US-registered company that want free, full-featured business banking, a simple cashback card and bill pay in one place.
vs
Ramp
From $15Free plan
G2 4.8 · 2,546 reviewsFunded startups and mid-size companies that want strong card, expense and AP automation alongside an existing bank.
Side by side
| Mercury | Ramp | |
|---|---|---|
| Pricing | Free; Plus $35/month; Pro $350/month | Free; Plus $15/user/month + platform fee |
| G2 Rating | Not yet verified | 4.8 (2,546 reviews) |
| Best For | Startups and online businesses with a US-registered company that want free, full-featured business banking, a simple cashback card and bill pay in one place. | Funded startups and mid-size companies that want strong card, expense and AP automation alongside an existing bank. |
Pros and cons
Mercury
Pros
- Core banking is free, including domestic and USD international wires
- Up to $5M FDIC coverage via partner banks and sweep networks
- Flat 1.5% cashback on the IO card
- Open to US companies with founders living abroad
Cons
- Treasury needs $250,000 in balances and excludes some entity types
- 3% fee on non-USD card spend and 1% on non-USD wires
- Priority support and relationship manager only on paid plans
Ramp
Pros
- Strong expense and AP automation
- Interest-bearing checking with no minimum
- Free plan covers a lot
- Free wires through bill pay
Cons
- Requires $25,000 in cash to qualify
- Plus adds a platform fee on top of per-user pricing
- Sole proprietors not accepted
Emily Rodriguez