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Mercury vs Relay at a glance
| Mercury | Relay | |
|---|---|---|
| Best for | US startups and tech companies | US small businesses that budget with multiple accounts |
| Pricing model | Free plan | Free plan |
| Available in | US | US |
| Key features | Free core business account Virtual and physical cards Treasury and bill pay | Many checking accounts per business Cards for team members Accounting integrations |
| Website | Visit Mercury ↗ | Visit Relay ↗ |
Pricing
Both use the same pricing model: each has a free plan, with paid upgrades. We never publish exact prices because they change too often; check the current plans on each website.
Where they work
Both are available in US, so where you live will not decide it.
Which one should you choose?
- Choose Mercury: the better fit for US startups and tech companies.
- Choose Relay: the better fit for US small businesses that budget with multiple accounts.
Still unsure? Run through these before you sign up for either:
- Who holds the deposits and whether they are covered by a deposit guarantee scheme.
- Fees for international transfers and currency exchange.
- Integrations with your accounting tool.
- Whether your business type and country are accepted.
Frequently asked questions
What is the main difference between Mercury and Relay?
Mercury is built for US startups and tech companies. Relay is built for US small businesses that budget with multiple accounts. Both use the same pricing model: each has a free plan, with paid upgrades.
Is Mercury or Relay available in my country?
Both are available in US, so where you live will not decide it.
Is Mercury cheaper than Relay?
It depends on how you use it, and prices change often, so we only list the pricing model. Both use the same pricing model: each has a free plan, with paid upgrades. Compare the current plans on each website before you sign up.
Not sold on either?
There are 11 other business banking & neobanks tools in the directory. Compare them all →
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Information checked 26 October 2026. NxtGenFin is an independent directory, not affiliated with Mercury or Relay unless marked as featured, sponsored or affiliate link. Not financial advice.