Snapshot
Mercury and Found compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Mercury figures as of 19 March 2026Found figures as of 19 March 2026Last reviewed 19 March 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Mercury and Found suit different businesses. Mercury is a business banking platform built for startups and growing companies that want banking, cards, and treasury tools, while Found is built for freelancers and single owner businesses, combining banking with bookkeeping, invoicing, and tax tools in one app. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 19 March 2026 for both providers.
Mercury vs Found at a glance
| Feature | Mercury | Found |
|---|---|---|
| Account type | Business banking platform with checking and savings. Mercury is a financial technology company and not a bank, and banking services are provided through partner banks that are members of the FDIC. | Business banking platform with built in bookkeeping and tax tools. Found is a financial technology company and not a bank, and banking services are provided through a partner bank. |
| Who it suits | Startups and growing United States companies, including those founded by people based abroad, that want online banking, cards, and treasury features. | Freelancers, sole proprietors, and single owner businesses in the United States who want banking, bookkeeping, and tax tools in one app. |
| Monthly fee | No monthly fee, no account minimums, and no opening fee on the standard account. A paid plan starting at 35 US dollars per month adds advanced payment workflows. As of 19 March 2026. | No fee on the core account. Found Plus is 35 US dollars per month or 315 US dollars per year, and Found Pro is 80 US dollars per month or 720 US dollars per year. As of 19 March 2026. |
| Transaction fees | Standard account avoids monthly and overdraft fees. Certain advanced features can carry charges, such as mass payments by API, non United States dollar card transactions, and some international United States dollar sends. As of 19 March 2026. | No monthly minimum or overdraft fee on the core account. Certain charges such as wires, instant transfers, and ATM use can apply. As of 19 March 2026. |
| FX fees | Mercury is built around United States dollar banking. Non United States dollar card transactions and currency exchange can carry fees, and international United States dollar sends may have optional premium processing. Verify with the provider, as of 19 March 2026. | Found is built around United States dollar banking and international features are limited. Verify any foreign exchange terms with the provider, as of 19 March 2026. |
| Minimum deposit | No account minimum and no minimum opening deposit on the standard account, as of 19 March 2026. | No minimum opening deposit, as of 19 March 2026. |
| Multi currency | Not a multi currency holding account. United States dollar focused, with fees on non United States dollar activity. As of 19 March 2026. | Not a multi currency account. United States dollar focused, as of 19 March 2026. |
| Integrations | Connects with accounting tools such as QuickBooks and Xero, plus an API for payments and automation. Confirm current integrations with the provider. | Built in bookkeeping, invoicing, and tax tools, with optional tax estimates and quarterly tax payments on paid plans. Confirm current integrations with the provider. |
| Eligibility | Open to companies formed and registered in the United States or a United States territory, with existing or planned United States operations and beneficial ownership details. Mercury supports United States companies founded by people across the globe, though it cannot support founders in certain countries and regions. As of 19 March 2026. | Aimed at self employed people and single owner businesses in the United States. No credit check to open the core account. As of 19 March 2026. |
| Broadly available in | United States and United States territories, for United States registered companies. | United States. |
Use the table to weigh the differences. Mercury and Found tend to differ most on who they are built for and on the bookkeeping and tax tooling, so match those to how your business operates, then confirm the latest fees and eligibility with each provider.
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Both providers accept business customers in the United States. Fees and eligibility shown as of 19 March 2026 for Mercury and 19 March 2026 for Found. Confirm current terms with the provider before applying.
Visit Mercury → Visit Found →Questions about Mercury and Found
Which is better for my business, Mercury or Found?
It depends on your needs. The table on this page compares Mercury and Found on account type, fees, currency support, eligibility and availability using each provider's published terms. Mercury is a business banking platform aimed at startups and growing companies, while Found is built for freelancers and single owner businesses with banking, bookkeeping, and tax tools in one app. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both Mercury and Found?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account, for example Found for self employed bookkeeping and tax tools and Mercury for company banking and treasury. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Mercury figures are shown as of 19 March 2026 and Found figures as of 19 March 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 19 March 2026. Confirm current terms with each provider before applying.