Mercury vs Brex
A no-monthly-fee business bank account against a spend-management platform with corporate cards.
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| Mercury | Brex | |
|---|---|---|
| Pricing | Core $0/month; Plus $29.90/month; Pro $299/month | Essentials $0/user; Premium $12/active user/month; Enterprise custom |
| Free option | No monthly fee | Free Essentials plan |
| Platforms | Web, mobile | Web, mobile |
| Best for | Startups and small businesses that want a no-monthly-fee account. | Startups and mid-market teams that want AI-assisted spend controls. |
| Pricing note | Prices from the official page (October 2026). Other fees apply to some transactions; see the official site. | Essentials includes AI-powered custom rules, cards, bill pay and reimbursements. |
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| Visit Mercury → | Visit Brex → |
The short version
Mercury is business banking first: Core is $0/month (Plus $29.90, Pro $299), with checking, savings, free USD ACH and wires and the IO charge card (1.5% cashback, limits depend on underwriting; 3% fee on non-USD card purchases). Brex is spend management first: Essentials is $0 with corporate cards, bill pay, reimbursements and AI-powered custom rules; Premium is $12 per active user per month and Enterprise is custom. Pick Mercury if you mainly need a bank account; pick Brex if you need cards, approvals and expense controls for a team.
Pricing checked October 15, 2026. Confirm on official sites.