Mercury Fee Calculator
Almost everything Mercury does is free, which makes the exceptions worth knowing precisely. Enter an amount and see which of the three charges applies, and what it comes to.
Mercury Fee Calculator
1%
Converted out of USD. Mercury publishes this as “Non-USD international wires: 1% currency exchange fee”.
Fee Breakdown
Mercury applies this rate identically on the free, Plus and Pro plans. No plan discounts it, so the subscription is about features rather than a cheaper transfer.
Where Mercury actually charges
Mercury is the opposite shape to most accounts on this site. There is no monthly fee, no minimum balance and no opening fee, and the rails a US business uses every day cost nothing: ACH, domestic wires, real-time payments and mailed checks are all $0. Even an international wire is free, as long as it leaves in dollars.
What Mercury charges for is currency. Converting out of USD on a wire costs 1%. Spending on a card in another currency costs up to 3%. Those two numbers are the account, and because neither is capped, they are the only lines that grow with your business.
The published rate card, in full
Every row Mercury prices in its comparison table. The three plan columns are not shown because they hold the same value in every row.
What the plans cost, and what they leave alone
Mercury's pricing page has a billing toggle, and it changes the headline. These are the per-month figures on each setting; Mercury advertises the annual column as 15% off.
Not a rate card row in sight. Every transfer and card fee on this page is the same on all three, which is the unusual thing about Mercury's plans: they sell features, not discounts. The one price that does move with the plan is the Invoice with ACH debit fee, charged when a customer pays an invoice you sent. It is $1.00 per transaction on Plus and $0.00 on Pro. A free Mercury account does not include the feature at all, so it has no rate rather than a free one.
One number on that page catches people out. Mercury Books is $35/mo, waived until Dec 31, 2026. It is bookkeeping software listed in its own line on the free plan card, not the entry price of a banking plan, and it is a coincidence that Plus billed monthly costs the same.
The $15 is a choice about who absorbs the intermediaries
A USD wire crossing borders passes through correspondent banks, and those banks take a cut. The question Mercury puts to you is who pays it.
The default, coded SHA, is free to you. Mercury covers its own outgoing fee, but the banks in the middle take theirs out of the wire, and Mercury's own worked example is blunt about the size of it: send $1,000 through $50 of intermediary charges and your recipient gets $950. The invoice you paid in full arrives short, and you find out when your supplier tells you. The alternative, coded OUR, costs a flat $15 and charges those fees back to Mercury instead.
The arithmetic is simple and it turns on size. Intermediary deductions commonly run in the tens of dollars, so on a $500 payment the $15 may cost more than it saves, while on a $50,000 payment it is 0.03% for a predictable arrival amount. Mercury does not publish what the intermediaries typically take, so this is a judgement rather than a calculation, and the calculator above prices the $15 rather than guessing the deduction it avoids.
Where Mercury is strong, and where it is quiet
What Mercury does not price in public
Mercury sells more than it prices. These are named rather than estimated, because an invented number is worse than an absent one when you are building a budget on it.
Assumptions and limits
Mercury fees: common questions
How much does Mercury charge?
On most things, nothing. ACH, domestic wires, real-time payments, mailed checks and USD international wires are all $0, on every plan. Mercury charges in three places: 1% to convert currency on a non-USD international wire, up to 3% on card spend in a currency other than USD, and an optional $15 if you want a USD wire processed so intermediary banks bill Mercury instead of your recipient. There is no monthly fee, no minimum balance and no account opening fee.
Does Mercury charge for wire transfers?
Not for domestic wires, and not for international wires sent in US dollars. Both are listed at $0 on all three plans, which is unusual, because outgoing wires are normally a charged item on a US business account. The exception is a wire that has to change currency, which carries a 1% conversion fee. So a $50,000 USD wire to a supplier abroad costs nothing, and the same $50,000 sent in euros costs $500.
What is Mercury’s international wire fee?
It depends on the currency, not the destination. A wire sent in USD is free wherever it goes. A wire that Mercury has to convert carries a 1% currency exchange fee, taken on the amount. Mercury also invites businesses exchanging more than $200,000 to talk about fees, so 1% is the published rate rather than a universal one. That is the whole published cost: there is no separate per-wire charge on top.
What does the $15 Mercury wire fee pay for?
Processing, not speed. A USD international wire can be coded two ways. SHA is the default, costs you nothing, and lets intermediary banks along the route deduct their own fees from the money in transit, so your recipient can end up short. OUR costs a flat $15 and sends those intermediary fees back to Mercury instead. One limit is worth knowing, and Mercury states it only in a support article rather than on the pricing page: the $15 "covers any fees that may occur while in transit between banks. Mercury does not reimburse fees charged by the receiving bank when accepting a wire." So it protects the money in transit, not against your recipient’s own bank. On a small payment the $15 can exceed what the intermediaries would have taken; on a large one Mercury itself recommends it.
Does Mercury have monthly fees?
The account does not. Mercury publishes no minimum balance, no overdraft fee, no required monthly fee and no account opening fee. It does sell two paid plans, and the price depends on how you pay for them: Mercury Plus is $35 a month billed monthly or $29.90 a month billed annually, and Mercury Pro is $350 or $299 on the same basis. Neither changes a single transfer price. Every fee row in Mercury’s own comparison table is identical across all three plans, so the subscription buys invoicing, accounting and tax features rather than cheaper payments.
Do Mercury’s paid plans start at $35 a month?
Billed monthly, yes: Mercury Plus is $35 a month, falling to $29.90 a month if you pay annually, which Mercury advertises as 15% off. The confusion is that $35 appears twice on the pricing page. Mercury Books, a separate bookkeeping product, is also $35 a month and is listed in its own line on the free plan card, where Mercury notes it is waived until 31 December 2026. The two are unrelated, and Books is not the entry price of a banking plan.
What is Mercury’s foreign transaction fee on cards?
Up to 3% on any non-USD transaction, on both the Mercury debit card and the IO credit card, identical on all three plans; Mercury’s disclosure gives it as a ceiling, and this page prices the full 3%. USD transactions on either card are free. That 3% sits at the high end for business cards, and it is charged on the transaction rather than capped, so it is the one Mercury fee that scales without limit. If you spend heavily abroad, it will be the largest line on your account.
Is Mercury a bank?
No. Mercury’s own disclosure reads: "Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC." Mercury also says it is "working toward becoming one". Deposit insurance therefore flows through those partner banks and their sweep networks rather than through Mercury itself, and Mercury advertises up to $5M of coverage that way.
Does Mercury Treasury charge a fee?
Yes, but not one that can be calculated from public information. Mercury describes it as "a small percentage of their total monthly Mercury Treasury positions at a rate determined by the total deposits held across all your Mercury accounts, ranging from 0.15% to 0.6%". The tier table behind that range is not published, so we show the range and decline to guess where a given balance falls. Treasury also requires a $250K balance across your Mercury accounts.
Comparing it with the rest
Mercury sits in the same category as Slash, which prices the opposite way round: Slash charges per domestic payment on its free plan and zeroes those rows for $25 a month, where Mercury gives the domestic rails away and charges on currency instead. Both sit on the fintech fees hub. If what you need priced is taking money from customers rather than moving your own, that is a payment processor question and starts here.
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Last Updated: Rates read from mercury.com/pricing on 2026-10-07. TransferFees is not affiliated with Mercury. Products without a published rate are named rather than estimated, and Mercury can change its pricing without notice.