I really love this app you can literally do almost everything on here. It’s the perfect banking app for businesses! I do have a few suggestions though that would make the mercury app even more appealing, I think that it would be really helpful if Mercury offered startup friendly loans, especially for new businesses with no revenue yet. You know, like a loan to help cover essential inventory and supplies. 2. It would be great if Mercury lowered the balance requirement for upgrading the IO cards to monthly payments (ex: 3-5k instead of the current high threshold) or added more achievable paths, like consistent deposits over time or referral milestones. More flexible options would make the card useable for startups without hurting Mercury, and would actually keep more businesses active on the platform. And 3. I recommend that Mercury should include in their app/system their very own accounting software and features (besides integration). If they had their own accounting resources they would be a definite one stop shop!! Please think about adding one or more of those features to the rest of Mercury amazing features and perks. But overall Mercury is my go to business banking app and since I’ve had it (which hasn’t been long, literally about a week) I’ve been sharing/inviting all my friends and family to the app and even a few of my coworkers (and we all are wishing for the above features and adjustments). Mercury, y’all did an absolute amazing job with this app!! 👏🏾

As an entrepreneur and startup founder, I cannot emphasize enough how much Mercury will be a game-changer for start-up and small business. Their comprehensive suite of financial products and services seem to make managing finances a breeze. I had zero problems with transferring initial balances and am especially impressed by how seamlessly Mercury integrates with Current and Choice Financial, providing us with a robust and efficient financial ecosystem.Mercury offers an intuitive product experience that can truly cater to the unique needs of a business. Opening an account was a hassle-free process, and the user-friendly interface make it easy to access banking, virtual debit cards, physical cards, financing, and more. The platform is flexible and designed to grow with your business, offering the confidence to focus on what truly matters - scaling and growing your business.The knowledgeable and responsive team at Mercury, Current, and Choice Financial has consistently provided me with timely and helpful assistance whenever I needed it. It is clear that they genuinely care about one’s personal and business success. I wholeheartedly recommend Mercury to any business, especially startups or business founders looking for a versatile and reliable financial partner.

Mercury for personal or business use is an entirely new level of experience compared to clunky traditional bank interfaces. It’s designed for responsible users, presenting no tedious barriers to wires and ACH transfers. And the underlying banks (Choice, Column, Evolve) do their part efficiently with very fast transfer speeds. There appears to be no limit to how long old statements are available for download and any transaction can have comments or attachments. No more useless “DEPOSIT” comment without check images or other useful information one must suffer on old bank interfaces and statements. There is no way the likes of BofA, Chase, etc. can compete with Mercury, like flip phones to an iPhone.

Great app, but lacking features in Personal Banking like managing subscriptions—or at least identifying them in a separate tab—tagging transactions, excluding particular transactions from analytics, and analytics based on a transaction type. If you get refunds for something, it messed with the in-out analytics, and those numbers eventually become skewed and unreliable. Revolut has gone long way with it, but they butchered UI and made it really cluttered and non-intuitive. I hope Mercury will always stick to its minimalism—it seems like the only digital banking like that in the States. I'd also like more options for investing. I would switch from Robinhood to Mercury if only the latter had more options, like VGT. Also, at the home page, "transactions" require users to scroll down to see them; the graph is unnecessarily big and could be moved to the right of the balance, giving the space for Transactions to be visible right away—it's easier and faster to actually track your spending. I hope Mercury listens, since I and other users are paying $240 for it yearly. Wish there was a dedicated form just for user suggestions so the team could prioritize things and move even faster. Good luck.