Mercury vs Wise Business (October 2026)
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Mercury
US business banking with no monthly fee on the base plan; popular with founders who form a US company remotely.
Visit MercuryWise Business
Multi-currency business account with local account details and mid-market exchange rates.
Visit Wise BusinessVerdict. They charge differently: Mercury starts at USD 29.90 per month, Wise Business at USD 31 one-time, so compare what each would cost you over the time you expect to use it. Mercury also has a free plan; Wise Business does not. Mercury confirms 2 of our 3 key features; Wise Business confirms 3.
Side by side
| Feature | Mercury | Wise Business |
|---|---|---|
| Cheapest paid plan | Plus: USD 29.90 per month | Account set-up: USD 31 one-time |
| Other plan or fee | Mercury: Free | USD wire or Swift payment: USD 6.11 per payment |
| Another plan or fee | Pro: USD 299 per month | — |
| Free plan | Yes | No |
| Free plan or trial | Yes | No |
| Local account details in several currencies | No | Yes |
| Debit or virtual cards | Yes | Yes |
| No monthly fee option | Yes | Yes |
| Number of plans listed | 3 | 2 |
| Our score | 75/100 (#3 of 6) | 65/100 (#5 of 6) |
| Best for | Best free starting point | Most complete feature set |
| A year on the cheapest paid plan | USD 359 | — |
| Notes | FAQ also says paid plans start at USD 35/month | Registering is free; the one-time USD 31 fee applies to get account details. Volume discount above USD 25,000 a month in conversions. |
Shaded cells mark the lower price. Sources: Mercury, Wise Business.
Which to choose
Choose Mercury if USD 29.90 per month suits how you will use it.
Choose Wise Business if USD 31 one-time works out cheaper for you.
See all options: best multi-currency business accounts.
More: Mercury pricing, Mercury alternatives, Mercury vs Airwallex, Mercury vs Revolut Business, Wise Business pricing, Wise Business alternatives, Wise Business vs Payoneer, Wise Business vs Revolut Business, Wise Business vs Airwallex.