Mercury Free Plan 2026: What's Included & What's Not
Honest breakdown of the free tier limits and features
Mercury costs Free to $350 per month as of April 2026. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: No free tier available
Yes, Mercury offers a forever free plan as of April 2026. The free tier includes 6 features with limits on treasury. Paid plans start at $35/month (Mercury Plus). Pricing verified from 6 sources by CostBench.
Mercury's free plan is available indefinitely with no time limit.
What's Included in the Free Plan
- FDIC-insured business checking
- Unlimited physical and virtual corporate cards
- Free domestic and international USD wire transfers
- Mobile and web banking
- No account minimums or overdraft fees
- Access to Treasury with $250K balance
What's NOT Included (Paid Only)
- Everything in Mercury
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Multiple GL codes for bill payments
- Reimburse up to 20 users/month (+$5/additional)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Free Plan Limits
| Limit | Free Plan | Paid Plans |
|---|---|---|
| treasury | $250K Mercury balance required for Treasury access | Unlimited/Higher |
You'll Need to Upgrade When...
- You exceed the user limit
- You need features like Everything in Mercury or Invoice with ACH debit ($1/transaction)
- You require premium support or SLA guarantees
- You need to remove branding or watermarks
- You need advanced integrations or API access
Hidden Restrictions on Free Plan
- Mercury branding may appear on your content or communications
- Support is limited to community forums or email with longer response times
- Export options may be restricted or include watermarks
- API access is typically limited or not available
- Advanced reporting and analytics require paid plans
Free vs Paid: Which Do You Need?
Free Plan is Enough If...
- You're an individual or very small team
- You need only basic features
- You don't mind usage limits
- Branding on output is acceptable
- Community support is sufficient
You Need Paid If...
- Your team is growing beyond limits
- You need advanced features
- Professional branding is required
- You need priority support
- Integrations/API access is critical
Free vs Mercury Plus Plan Comparison
| Mercury $0 | Mercury Plus $35/month | |
|---|---|---|
| Features | 6 included | 9+ included |
| Support | Community/Email | Priority Support |
| Branding | Mercury branding | Your branding |
| Best For | Early-stage startups and small businesses | Growing businesses needing invoicing capabilities |
Frequently Asked Questions
01 Is Mercury free?
Yes, Mercury offers a forever free plan with 6 core features included. However, there are limits on treasury that may require upgrading.
02 What's included in Mercury's free plan?
Mercury's free plan includes: FDIC-insured business checking, Unlimited physical and virtual corporate cards, Free domestic and international USD wire transfers, Mobile and web banking, No account minimums or overdraft fees, and 1 more features. Key limits include treasury: $250K Mercury balance required for Treasury access.
03 What's NOT included in Mercury's free plan?
The free plan excludes: Everything in Mercury, Invoice with ACH debit ($1/transaction), Recurring invoices, Invoicing API (500 invoices created/month), Multiple GL codes for bill payments. You'll also have Mercury branding and limited support options.
04 When should I upgrade from Mercury's free plan?
Consider upgrading when: you hit user or storage limits, need features like Everything in Mercury or Invoice with ACH debit ($1/transaction), require premium support, or want to remove branding. The cheapest paid plan starts at $35/month.
05 Is Mercury's free plan really free forever?
Yes, Mercury's free plan is available indefinitely with no time limit. However, feature and usage limits may restrict what you can do without upgrading to a paid plan.