Mercury · Last verified September 8, 2026
Mercury
The best banking experience for a startup or digital business.
TRI Score
89.4
Excellent
#1 Best Business Banking
Overview
Our assessment
Mercury ranks first on the strength of no monthly fees, clean multi-account structure and treasury access. Businesses that need to deposit cash should look elsewhere.
Best for
- Startups and digital businesses
- Teams needing sub-accounts and controls
Not ideal for
- Cash-heavy retail businesses
Score breakdown
Why it scored 89.4
- Capability30%
- 90
- Value20%
- 95
- Ease of Use15%
- 92
- Reliability15%
- 88
- Professional Utility10%
- 88
- Momentum10%
- 84
How much the product can actually do, and how well it does the core job.
What you get for the price, including what the free plan really covers.
Time from signup to useful result, without training or a consultant.
Consistency, uptime, support responsiveness and predictable behaviour.
How well it fits real professional workflows, not demos.
Rate of meaningful improvement over the last two evaluation cycles.
Trade-offs
Strengths and weaknesses
- No monthly fees
- Excellent product design
- Treasury options
- No cash deposits
- Not a chartered bank itself
Score history
How the score moved
- Jan 202687.0
- Apr 202687.8
- Jun 202688.6
- Sep 202689.4Latest evaluation cycle.
Head-to-head
Compared with
Alternatives
Others in this category
- Relay85.1
- Chase Business Complete84.2
Evidence
Sources
- Public dataPublic pricing and documentation
Where a claim could not be verified, we label it rather than estimate it. Read the methodology.