WhatsApp and Telegram +44 7563 115980
[email protected]
Mercury is a financial technology company whose accounts are held at Choice Financial Group and Column N.A., with up to $5 million of FDIC insurance through sweep networks.
Mercury scores 2.8 out of 5 (56 out of 100) in the Buckingham Intelligence Global Trade Banking Index 2026 and ranks 9 of 26. It is strongest for US-registered companies with founders abroad, and its best criterion is paying suppliers at 4 out of 5. Not published or not stated on the pages read: onboarding and FX cost.
Scores from the Global Trade Banking Index 2026.
No award in the Global Trade Banking Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 59 | 8 of 26 |
| For exporters | 51 | 12 of 26 |
| For wholesalers and distributors | 57 | 6 of 26 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US-registered companies with founders abroad.
What Mercury publishes on its own pages, read on 21 October 2026.
Mercury is a financial technology company whose accounts are held at Choice Financial Group and Column N.A., with up to $5 million of FDIC insurance through sweep networks. It accepts only US-formed companies but takes founders from most countries, charges nothing for ACH, domestic and USD international wires, and 1% on non-USD wires. It holds USD only.
| Fact | What the provider publishes |
|---|---|
| Account fee | $0; Plus $29.90; Pro $299 a month with a relationship manager |
| FX margin | 1% on non-USD international wires |
| Receiving | USD by ACH, wire and real-time payments, free; no EUR or GBP details |
| Paying suppliers | USD international wires $0 (SHA) or $15 guaranteed; 40+ currencies at 1% FX |
| Stablecoins | None; fiat only |
| Finance | IO corporate credit card with 1.5% cashback; venture debt |
| Onboarding | Formation documents, EIN, owner ID; time not published |
| Protection | Up to $5 million FDIC through partner banks |
| Date read | 21 October 2026 |
Who can open an account, by country of registration
| Country | Published position |
|---|---|
| United Kingdom | No, US entity needed |
| United States | Yes |
| Mexico | Founder yes, entity no |
| Brazil | Founder yes, entity no |
| Colombia | Founder yes, entity no |
| Hong Kong | Founder yes, entity no |
| China | Founder yes, entity no |
| Türkiye | Founder yes, entity no |
| UAE | Founder yes, entity no |
| Nigeria | No |
| Pakistan | No |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: mercury.com/pricing, support.mercury.com/hc/en-us/articles/…, support.mercury.com/hc/en-us/articles/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Global Trade Banking Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wise Business | 3.8 | 1 of 26 | Transparent FX and receiving in 22 currencies |
| WorldFirst | 3.5 | 2 of 26 | Importers paying Asian suppliers, no account fees |
| Airwallex | 3.5 | 3 of 26 | Free local supplier payments to 120+ countries |
| Statrys | 3.1 | 4 of 26 | Hong Kong, Singapore and BVI companies trading with Asia |
| XTransfer | 3.1 | 5 of 26 | Trade with China and emerging-market collection |
| Aspire | 3.0 | 6 of 26 | Singapore, Hong Kong and US-nexus companies trading in Asia |
| Currenxie | 3.0 | 7 of 26 | Asian and Mexican traders collecting in nine currencies |
| Payoneer | 3.0 | 8 of 26 | Marketplace sellers and exporters in 190+ countries |
| Ebury | 2.8 | 10 of 26 | Mid-size traders needing supplier finance with their FX |
| Verto | 2.7 | 11 of 26 | African exporters collecting in NGN, KES and ZAR |
| 3S Money | 2.7 | 12 of 26 | Non-resident companies from 190+ countries wanting UK and EU IBANs |
| Slash | 2.5 | 13 of 26 | Non-US wholesalers spending in dollars and receiving USDT |
| Revolut Business | 2.5 | 14 of 26 | UK, EEA and US companies wanting cards and FX allowances |
| Shield | 2.5 | 15 of 26 | Wholesalers in Latin America paid in USDT |
| OFX | 2.4 | 16 of 26 | FX-heavy traders wanting a dealer on the phone |
| Tazapay | 2.4 | 17 of 26 | Exporters collecting from buyers in 85+ markets |
| Wio Bank | 2.4 | 18 of 26 | UAE trade licence holders wanting a bank with lending |
| HSBC UK | 2.3 | 19 of 26 | UK traders needing letters of credit and trade finance |
| iBanFirst | 2.0 | 20 of 26 | EEA and UK companies exchanging €200,000 or more a year |
| Conduit | 1.9 | 21 of 26 | Companies in 100+ countries settling trade in stablecoins |
| Bitso Business | 1.8 | 22 of 26 | Latin American traders settling on Pix, SPEI and ACH |
| Flutterwave | 1.7 | 23 of 26 | African exporters receiving USD, GBP, EUR and AED |
| Equals Money | 1.7 | 24 of 26 | UK businesses wanting cards and 40 currencies in one account |
| Moneycorp | 1.7 | 25 of 26 | UK and Irish traders wanting dealer-led FX |
| Nium | 1.6 | 26 of 26 | Platforms and fintechs embedding payouts, not yet small traders |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Mercury is compared with its alternatives in the table above.
Tell us what you need and where you operate.