Free Mercury alternatives: 6 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

6 of the 8 Mercury alternatives we track can be used for free (free, open source, or with a free plan). Brex, Wise and Ramp rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#	App	Pricing	Verified price	Open source	Platforms	Verified facts	Score
1	Brex	Free plan + paid	$12 per user/month (Premium)	No	Web, iOS, Android	6 of 6	52.6
2	Wise	Free	—	No	Web, iOS, Android	3 of 3	51.2
3	Ramp	Free plan + paid	$15 per user/month plus platform fee (Plus)	No	Web, iOS, Android	6 of 6	50.0
4	Rho	Free	—	No	Web, iOS, Android	5 of 5	42.3
5	Lili	Free plan + paid	$15/month (Lili Pro)	No	Web, iOS, Android	5 of 5	42.3
6	Bluevine	Free plan + paid	Plus $30/month, Premier $95/month	No	Web, iOS, Android	5 of 5	42.3

1. BrexTop pick
Best for: Startups and growing companies that want cards, banking and expenses in one place
Free plan + paidWeb, iOS, Android
52.6
score / 100
Why switch from Mercury
Corporate cards and spend management for funded startups, with business accounts alongside.
Pros
Free Essentials plan with cards and expense tools
Global card coverage for multi-country teams
Banking, bill pay and travel in the same account
Cons
Approval depends on underwriting
Advanced policies need the paid Premium plan
Ownership change may bring product changes
Visit Brex Details and reviews
How this score is calculated
Editorial fit ×0.346
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Brex a good Mercury alternative?
Verified facts
6 of 6 verified
Free plan
Yes, Essentials at $0 per user/month
Checked Nov 8, 2026brex.com(opens source in a new tab)
Premium plan
$12 per user/month
Checked Nov 8, 2026brex.com(opens source in a new tab)
Countries
120+
Checked Nov 8, 2026brex.com(opens source in a new tab)
Customers
35,000+ companies
Checked Nov 8, 2026brex.com(opens source in a new tab)
Owner
Capital One
Checked Nov 8, 2026brex.com(opens source in a new tab)
Starting price
$12 per user/month (Premium)
Checked Nov 8, 2026brex.com(opens source in a new tab)
2. Wise
Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies
FreeWeb, iOS, Android
51.2
score / 100
Why switch from Mercury
Better for holding and converting many currencies when most clients are abroad.
Pros
Mid-market exchange rate with fees shown upfront
Holds and converts 40+ currencies in one account
Local account details for receiving payments abroad
Cons
Not a full bank in most countries, so no overdrafts or loans
Per-transfer fees still apply, especially for small amounts
Funds are safeguarded rather than covered by deposit insurance in many regions
Visit Wise Details and reviews
How this score is calculated
Editorial fit ×0.341
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Wise a good Mercury alternative?
Verified facts
3 of 3 verified
Currencies
40+
Checked Nov 8, 2026wise.com(opens source in a new tab)
Account fee
Free to open
Checked Nov 8, 2026wise.com(opens source in a new tab)
Fund protection
Safeguarded accounts
Checked Nov 8, 2026wise.com(opens source in a new tab)
3. Ramp
Best for: US companies that want free corporate cards with expense automation built in
Free plan + paidWeb, iOS, Android
50.0
score / 100
Why switch from Mercury
Corporate cards, bill pay and expense controls with accounting sync, if spend management mattered more than the bank account.
Pros
Core cards and expense platform are free
Automatic receipt matching and accounting sync
Bill pay, procurement and travel in the same tool
Cons
Only for US businesses that pass underwriting
Advanced features need the paid Plus plan
Not an accounting system on its own
Visit Ramp Details and reviews
How this score is calculated
Editorial fit ×0.338
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Ramp a good Mercury alternative?
Verified facts
6 of 6 verified
Free plan
Yes, $0 per user/month
Checked Nov 8, 2026ramp.com(opens source in a new tab)
Plus plan
$15/user/month plus platform fee
Checked Nov 8, 2026ramp.com(opens source in a new tab)
Annual billing discount
20%
Checked Nov 8, 2026ramp.com(opens source in a new tab)
Customers
85,000+ businesses
Checked Nov 8, 2026ramp.com(opens source in a new tab)
Starting price
$15 per user/month plus platform fee (Plus)
Checked Nov 8, 2026ramp.com(opens source in a new tab)
Free trial
30 days on Plus
Checked Nov 8, 2026ramp.com(opens source in a new tab)
4. Rho
Best for: US startups and growing companies wanting banking, cards and AP in one place
FreeWeb, iOS, Android
42.3
score / 100
Why switch from Mercury
No subscription fees, with corporate cards, bill pay and expense management in the same account.
Pros
No subscription, per-user or domestic payment fees
Corporate cards, bill pay and expense management included
Large FDIC cover on savings through a bank network
API access and accounting integrations for finance teams
Cons
US companies only; it's a fintech, not a bank
1% fee on foreign currency transfers and conversions
Treasury product carries its own management fee
Visit Rho Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Rho a good Mercury alternative?
Verified facts
5 of 5 verified
Subscription fee
$0
Checked Nov 8, 2026rho.co(opens source in a new tab)
ACH, wires and checks
$0
Checked Nov 8, 2026rho.co(opens source in a new tab)
FX fee
1%
Checked Nov 8, 2026rho.co(opens source in a new tab)
Expense management
Free for Rho customers
Checked Nov 8, 2026rho.co(opens source in a new tab)
FDIC insurance (savings)
Up to $75M
Checked Nov 8, 2026rho.co(opens source in a new tab)
5. Lili
Best for: US freelancers and small businesses wanting banking, bookkeeping and tax tools in one app
Free plan + paidWeb, iOS, Android
42.3
score / 100
Why switch from Mercury
Better fit for solo freelancers, with expense categories and tax-savings buckets built in.
Pros
Core checking account has no monthly fee or minimum balance
Built-in expense categories and tax-savings buckets on paid plans
FDIC cover up to $3M through a sweep network
Integrates with QuickBooks, Xero, Stripe, Shopify and Gusto
Cons
US businesses only; it's a fintech, not a bank
Bookkeeping, invoicing and tax tools sit behind monthly plans
International wires are limited to LLCs, corporations and partnerships
Visit Lili Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Lili a good Mercury alternative?
Verified facts
5 of 5 verified
Free plan
Lili Core, $0/month
Checked Nov 8, 2026lili.co(opens source in a new tab)
Paid plans from
$15/month (Lili Pro)
Checked Nov 8, 2026lili.co(opens source in a new tab)
Free trial
30 days on paid plans
Checked Nov 8, 2026lili.co(opens source in a new tab)
Banking partner
Sunrise Banks, N.A., Member FDIC
Checked Nov 8, 2026lili.co(opens source in a new tab)
FDIC insurance
Up to $3M via sweep network
Checked Nov 8, 2026lili.co(opens source in a new tab)
6. Bluevine
Best for: US small businesses that want fee-free online checking that earns interest
Free plan + paidWeb, iOS, Android
42.3
score / 100
Why switch from Mercury
Fee-free US business checking that pays interest and adds a line of credit for small businesses.
Pros
No monthly fee, minimum balance or overdraft fees on the standard plan
Interest on checking balances
FDIC coverage up to $3 million through partner banks
Line of credit available from the same provider
Cons
US businesses only
Best interest rates need a paid plan
No branches; cash deposits go through retail partners
Visit Bluevine Details and reviews
How this score is calculated
Editorial fit ×0.312
Reviews ×0.363
Clicks (90 days) ×0.150
Freshness ×0.15100
Votes ×0.150
0 counted reviews, 0 up and 0 down votes. Full formula
Is Bluevine a good Mercury alternative?
Verified facts
5 of 5 verified
Monthly fee
None on Standard plan
Checked Nov 8, 2026bluevine.com(opens source in a new tab)
Top APY
Up to 3.3%
Checked Nov 8, 2026bluevine.com(opens source in a new tab)
Paid plans
Plus $30/month, Premier $95/month
Checked Nov 8, 2026bluevine.com(opens source in a new tab)
FDIC insurance
Up to $3 million
Checked Nov 8, 2026bluevine.com(opens source in a new tab)
Line of credit
Up to $250,000
Checked Nov 8, 2026bluevine.com(opens source in a new tab)

Quick comparison

1. BrexTop pick

Pros

Cons

Verified facts

2. Wise

Pros

Cons

Verified facts

3. Ramp

Pros

Cons

Verified facts

4. Rho

Pros

Cons

Verified facts

5. Lili

Pros

Cons

Verified facts

6. Bluevine

Pros

Cons

Verified facts