Revolut Business vs Mercury
Choose Revolut Business if you need to hold and pay in multiple currencies; choose Mercury if your priority is a USD business account with no required monthly fee and free domestic ACH and wires. Both offer cards, expense tools, accounting integrations, and web and mobile access, but their account currencies and transfer pricing make them suited to different workflows.
Last updated October 24, 2026.
At a glance
| Dimension | Revolut Business | Mercury |
|---|---|---|
| Account currencies | Hold multiple currencies; send and receive 25+ | USD accounts only; incoming non-USD funds convert to USD |
| Starting price | Basic from $10/month | Mercury account $0/month |
| Paid plans | Grow from $40/month; Scale from $140/month; Enterprise custom | Plus $29.90/month; Pro $299/month with annual pricing |
| Domestic transfers | 10, 100, or 1,000 no-fee local transfers monthly by plan | Free domestic ACH and wires |
| International wires | 0, 5, or 25 no-fee transfers monthly by plan | USD wires $0; non-USD wires carry a 1% conversion fee |
| Currency exchange | $1,000, $20,000, or $80,000 monthly allowance by plan; fees apply beyond it | 1% conversion fee on non-USD international wires |
| Treasury access | Not published | Mercury Treasury access with over $250,000 across Mercury accounts |
| Invoicing | Create and send client invoices | Invoices included; recurring invoices on Plus and Pro |
| Cards and expenses | Physical and virtual cards; expenses; custom approvals on Grow+ | Company cards and expense management |
| Accounting integrations | QuickBooks, Xero, and NetSuite listed | QuickBooks Online, Xero, and NetSuite |
| Platforms and API | Web and mobile; Business API on Grow+ | Web, iOS, and Android; Mercury API |
| Support | 24/7 chat; account manager on Enterprise | Priority support on Plus and Pro; relationship manager on Pro |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Revolut Business if
- Businesses that need to hold balances in multiple currencies
- Teams paying suppliers from foreign-currency balances
- Companies seeking plan-based foreign exchange allowances
- Teams needing custom spend approvals on Grow or higher
Choose Mercury if
- Businesses seeking a USD account with no required monthly fee
- Teams making frequent domestic ACH payments and wires
- Companies that want invoicing with their business account
- Businesses eligible for Mercury Treasury access
The verdict
The deciding factor is whether you need foreign-currency balances or primarily move money in USD. Revolut Business is the better fit for companies that want to hold multiple currencies and use plan-based exchange and international transfer allowances. Mercury is the better fit for companies that want no required account subscription, free domestic transfers, and built-in invoicing. Compare the fees for your actual payment volume before choosing.
Revolut Business vs Mercury: common questions
- Which is better if my business needs to hold foreign currencies?
- Revolut Business is the better fit for holding foreign-currency balances. Mercury supports USD accounts only and converts incoming non-USD payments to USD before they reach the account.
- Can I use either product without a monthly account fee?
- Mercury has a $0-per-month business account. Revolut Business starts with its Basic plan at $10 per month.
- Which is better for frequent domestic ACH payments and wires?
- Mercury is the better fit if free domestic ACH payments and wires are the priority. Revolut Business includes a plan-dependent monthly allowance of no-fee local transfers and charges for additional transfers.
- How do international payment fees compare?
- Revolut Business includes zero no-fee international transfers on Basic, five per month on Grow, and 25 per month on Scale; fees apply beyond those allowances. Mercury lists USD international wires at $0 and a 1% conversion fee for non-USD international wires.
- Does Revolut Business charge for currency exchange?
- Revolut Business provides a monthly exchange allowance that varies by plan. Its published pricing lists a 0.6% fee beyond the allowance and a 1% fee for exchanges outside market hours.
- Can both products send invoices?
- Yes. Revolut Business publishes a workflow for creating and sending client invoices. Mercury includes invoicing with its account and offers recurring invoices on Plus and Pro.
- Which accounting software can I connect?
- Both vendors list QuickBooks, Xero, and NetSuite integrations. Revolut Business says integration availability may vary by plan and region; Mercury lists QuickBooks Online, Xero, and NetSuite as direct accounting integrations.
- Does Mercury Treasury require a minimum balance?
- Mercury says Treasury is currently available to users with more than $250,000 across their Mercury accounts. Treasury access is separate from Mercury's $0-per-month business account.