Comparison
Wise Business vs Mercury
Overview
Wise Business is an international business account for sending, receiving, and holding money in 40+ currencies at real exchange rates with transparent low fees.
Mercury is a fintech company offering FDIC-insured business bank accounts for startups and small businesses with no monthly fees, multi-user access, and a powerful API.
Features
- —Multi-currency accounts (40+ currencies)
- —International wire transfers
- —Batch payments
- —Business debit card
- —Bank integrations
- —Invoice payments
- —Payroll
- —QuickBooks and Xero sync
- —Business checking account
- —Business savings account
- —Corporate cards
- —Bill pay
- —Multi-user access
- —API access
- —Treasury (cash management)
- —Venture debt
Pricing
Wise Business
usage based
| Plan | Price | Notes |
|---|---|---|
| Business setup | $31/mo | One-time setup fee to unlock Wise Business features. |
| Transfers | Contact sales | Per-transfer and FX fees vary by currency route and amount. |
| Wise Platform | Contact sales | API/platform pricing for embedded finance and integrations. |
Mercury
freemiumFree plan available
| Plan | Price | Notes |
|---|---|---|
| Mercury | Free | Free business banking; no monthly fees, no minimums. |
| Mercury Plus | $35/mo | Higher yield savings, premium support, enhanced card limits. |
| Mercury Credit | Contact sales | Revenue-based credit line; interest only on what you use. |
Company Fit
Wise Business
StartupSMB
Mercury
StartupSMB
Stacks
Wise Business
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Alternatives
Mercury alternatives