Mercury vs Relay
Mercury charges nothing for US wires or same-day ACH and 1% on wires in another currency; Relay charges per wire on three plans and takes cash, free at AllPoint+ ATMs. Enter a month of your banking to see what each would cost.
Mercury vs Relay
Mercury: no monthly fee, US wires and ACH free, 1% on wires in another currency · Relay: three plans with per-wire fees
Every account, cheapest first
Each company's published fees. Mercury's paid plans change none of these fees, so Mercury is priced on its free plan; Relay Scale's price is its limited-time one. Card spending in other currencies is not in the calculator: Mercury lists 3% (up to 3% in its disclosure), and the fee Relay names is Visa's 1% to 2%.
Mercury and Relay fees, side by side
Relay's figures read Starter / Grow / Scale. On every fee for sending money that both companies publish, Mercury's is the same or lower; on a $10,000 payment in euros, Mercury charges $100.00 and Relay from $105.00 on Starter, from $103.00 on Grow, from $101.50 on Scale. Card spending abroad is where Relay's published figure is lower: Mercury lists 3%, while the fee Relay names is Visa's 1% to 2%.
Three businesses, priced
Plan price plus every payment fee, with Relay on its cheapest plan for each month and its conversion at the 1% floor. The cash business is the case Mercury cannot serve at all, because it does not take cash deposits.
What the fees leave out
Each account on its own
The Mercury fee calculator prices a single payment on any of Mercury's rails, and the Relay fee calculator finds the cheapest Relay plan for a month. To set Mercury against another US business account, see Mercury vs Bluevine, or against Wise Business, Mercury vs Wise. More business platforms are on the fintech calculators page.
Mercury vs Relay: common questions
Is Mercury or Relay cheaper?
On every fee for sending money that both publish, Mercury's is the same or lower. US wires and same-day ACH are free at Mercury; at Relay a US wire costs $8 on Starter, $5 on Grow and $5 on Scale. A wire in another currency costs 1% at Mercury, against Relay's flat wire fee plus a conversion fee of at least 1%. Four US wires and six same-day ACH payments cost $0.00 at Mercury and $38.00 on Relay Starter. What Relay offers that Mercury does not includes free cash deposits at AllPoint+ ATMs and interest on savings with no minimum balance.
What do Mercury and Relay charge for wires?
Mercury charges nothing to send a wire in the US or a USD wire abroad. Relay charges $8 on Starter, $5 on Grow and $5 on Scale for a US wire, and $25, $22 or $20 for a USD wire abroad on Starter, Grow and Scale. Both receive wires in dollars free.
Which is cheaper for international payments?
Mercury charges 1% to send a wire in another currency. Relay charges its wire fee, $5, $3 or $1.50 on its Local Network (EUR, GBP, CAD and AUD) or $25, $22 or $20 by Swift, plus conversion from 1%. On a $10,000 payment in euros that is $100.00 at Mercury against from $105.00 on Relay Starter, from $103.00 on Relay Grow, from $101.50 on Relay Scale.
Can you deposit cash with Mercury or Relay?
Not with Mercury, which does not accept cash deposits at all. Relay takes cash free at AllPoint+ ATMs, or through Green Dot for up to $4.95.
Do Mercury and Relay charge monthly fees?
Neither does on its basic plan. Mercury Plus costs $35 a month and Pro $350 ($29.90 and $299 a month billed yearly), but they change none of the payment fees above. Relay Grow costs $30 and Scale $90 (regularly $120, for a limited time), and they lower Relay's wire and ACH fees.
Which pays interest?
Relay pays interest on savings accounts: 1.19% APY on Starter, 1.87% APY on Grow, 3.21% APY on Scale, as of September 17, 2026 and variable. Mercury's yield comes through Mercury Treasury, which needs a $250,000 balance and takes a yearly fee of 0.15% to 0.6% of what is held in it, depending on your total deposits.
What do they charge for card spending in another currency?
Mercury lists a 3% currency exchange fee on non-USD card transactions (its disclosure says up to 3%). The fee Relay's help centre names is Visa's International Service Assessment of 1% to 2%, set by Visa rather than Relay.
Are the paid plans worth it?
Mercury's paid plans buy tools such as recurring invoices and priority support, not cheaper payments. Relay's do lower its fees: on US wires alone, Grow costs the same as Starter at 10 wires a month and less above that.
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Last Updated: Mercury's fees read from its pricing page and its help centre on October 18, 2026; Relay's from its pricing page and its help centre on October 18, 2026.