Radically different banking
Apply online in 10 minutes to experience banking1 unlike anything that’s come before.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Everything you do
with money.
All in one place.
Apply for free checking and savings accounts with zero minimums, earn up to 3.88% yield with Treasury by Mercury Advisory,2 and access loans3 to help you grow.
Earn 1.5% cashback on credit card spend,4 and control team expenses with cards, reimbursements, limits, and approvals all in one place.
Send money around the world and pay bills with no fees on USD payments, create free invoices, and get paid directly into your Mercury account.
Sync with QuickBooks, Xero, or NetSuite, and save hours with AI-powered automations to close your books faster.
1InviteConversations
Live queueEverything You Need To Connect With Customers, In One Place.
Bring every conversation together, help your team reply faster, and use AI to turn each message into a better customer outcome.
Every Channel In One Inbox
Bring WhatsApp, Instagram, Messenger, Telegram, email, and web chat into one shared customer thread.
AI That Works With You, 24/7
Kai answers routine questions, captures customer details, suggests replies, and brings in your team when judgment matters.
Automate The Work. Keep Humans In Control.
Welcome, route, label, follow up, and hand off each conversation without repeating manual work.
Know Every Customer. Improve Every Outcome.
Keep history, interests, ownership, and conversation performance in one view so your team can serve better and spot what drives results.
Powerful tools for support teams
Smart conversation routing Route every message with channel, priority, and owner attached.
One customer context See channel, order, history, and owner in one live customer thread.
AI-assisted replies Draft faster with Kai, then let agents review and own every reply.
A smarter way to support
Three clear layers move the conversation from signal to resolution.
Summarize, draft, translate, prioritize, and assign from one review-ready workspace.
Move with confidence using Tolk
Give every customer conversation a clear next step.
Today 09:15 AM
Delivery address update
Kai prepared the conversation before the next reply:
- •Intent: update the delivery address before Friday.
- •Priority: high because the order ships tomorrow.
- •Next step: draft a reply and assign Support.
AI Assist
Summarize intent, urgency, history, and the next useful action before anyone replies.
Common questions