Banking
Mercury account limits and tiers: what to expect by transaction volume
Mercury offers Mercury (free) and Mercury Plus paid tiers. Account limits scale with verification and transaction history.
Mercury free tier
Mercury free tier: no monthly fee, free domestic ACH transfers, free incoming wires, $5 outgoing wire fee. Most non-resident-owned LLCs operate on free tier successfully.
Account limits: standard limits apply initially; increases come with verified business activity. Annual transaction volume up to $10M+ accommodates most bootstrap operations.
Mercury Plus paid tier
Mercury Plus ($35/month): adds outgoing wire reimbursement (up to specific amount), priority support, advanced spend controls. Useful for LLCs with frequent international wires or larger team usage.
Most non-resident bootstrap LLCs do not need Plus; free tier covers needs.
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