Mercury Command
Mercury's AI agent for startup banking, on every plan
Overview
Mercury Command is the AI agent inside Mercury's US business-banking platform (partner banks Choice Financial Group and Column N.A.): ask about balances, runway and spend in plain language, and stage payments, card changes or invoices that execute only after you confirm. Included on the free plan; paid plans from $29.90 a month.
Pricing
Pricing shown for reference only. These figures reflect RECATOOLS research as of 1 Oct 2026 and may be out of date or incomplete. This is not financial or purchasing advice — always confirm the current price on the provider’s official website before making any decision.
- Checking and savings accounts
- Unlimited bill pay
- Basic invoicing
- QuickBooks/Xero sync
- ACH debit invoicing ($1/txn)
- Recurring invoices
- Invoicing API (500/mo)
- Reimbursements for up to 20 users
- Dedicated relationship manager
- Unlimited invoicing API access
- NetSuite categorization
- Reimbursements for up to 250 users
Use cases
What you can produce with Mercury Command
- Command: natural-language AI agent for banking questions and staged actions
- Explicit confirmation before any payment or account change executes
- Free business checking and savings via partner banks
- Unlimited bill pay and basic invoicing on the free tier
- Mercury MCP server and CLI
- Invoicing API (paid tiers) and QuickBooks/Xero sync
- NetSuite categorization (Pro tier)
Command, launched in June 2026, is Mercury's answer to agentic banking: a chat interface for checking cash position and spend, categorising transactions, freezing cards, adjusting limits and drafting payments without digging through the dashboard. The safety design is sound — Command stages each action and nothing moves until you confirm, existing approval rules still apply, and Mercury says card numbers and credentials never reach the AI model. It comes free with every Mercury account, which makes it an easy add rather than a reason to switch. The bigger caveat sits outside AI: Mercury serves US-registered companies through partner banks, so ASEAN operators need a US entity to use it at all, and its own bank charter is only conditionally approved. Strong for US-incorporated startups already banking with Mercury; not relevant to anyone without US banking needs.
What we found
This entry covers Mercury Command, the AI agent inside Mercury, the US business-banking platform; an earlier version of our listing gave it a product name Mercury never used. Command launched in June 2026 for every Mercury business and personal customer, free plan included. You ask in plain language — what is our runway, which vendors did we pay most last quarter — and it answers from your accounts; it can also prepare actions such as payments, card freezes, limit changes and new accounts. Mercury says Command stages each action and executes nothing without the customer's explicit confirmation, that existing permissions, dual approvals and limits still apply, and that card numbers, social security numbers and credentials are never passed to the underlying AI model. It can also hand a conversation to Mercury's round-the-clock human support.
Mercury itself is not yet a bank. Banking runs through partner banks Choice Financial Group and Column N.A.; Evolve Bank & Trust, named in older descriptions, is no longer listed. In April 2026 the US Office of the Comptroller of the Currency granted preliminary conditional approval for a national bank charter, with other regulatory steps still pending. Founded in 2017 by Immad Akhund, Jason Zhang and Max Tagher, Mercury raised a $200 million Series D at a $5.2 billion valuation in May 2026 and says it serves more than 300,000 customers and has been profitable for four years. Other AI features include Mercury Insights, an MCP server and command-line tool, and payroll from its acquisition of Central.
The core plan is free: checking and savings, domestic transfers, unlimited bill pay, basic invoicing, QuickBooks and Xero sync, and Command. Plus costs $35 a month, or $29.90 billed annually, adding recurring and direct-debit invoicing, an invoicing API and reimbursements for up to 20 people; Pro costs $350, or $299 annually, adding a relationship manager and NetSuite support. Mercury Books, an accounting add-on, is free until the end of 2026. Accounts require a US-registered company, though founders can live in most countries — so ASEAN founders need a US entity first.
Compiled by RECATOOLS from public sources: vendor documentation and pricing, code repositories and published reporting.
About this listing
This entry was compiled from publicly available data including Mercury Command's official website, press releases, documentation, and reputable third-party publications. RECATOOLS is not affiliated with Mercury Command unless explicitly stated.
Third-party AI tools update their pricing, features, availability, and policies frequently. Information here may be outdated by the time you read this — we make reasonable efforts to keep listings current, but cannot guarantee absolute accuracy.
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