Comparison
Found vs Mercury
A side-by-side look at Found and Mercury — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Found
Business banking for the self-employed.
Found is a US business banking platform for freelancers and self-employed, with built-in tax tools.
Mercury
Banking built for startups.
Mercury is a tech-forward business bank for startups, offering checking, savings, treasury, debit cards and the IO charge card with up to 1.5% cashback.
Side-by-side
| Spec | Found | Mercury |
|---|---|---|
| Tagline | Business banking for the self-employed. | Banking built for startups. |
| Headquarters | San Francisco, USA | San Francisco, USA |
| Founded | 2019 | 2017 |
| Regions | US | US |
| Card type | Mastercard debit | Debit + IO Credit |
| Pricing | Free Standard; Plus $19.99/mo. | Banking free; Mercury IO requires $25k+ avg balance. |
| Rewards | — | 1.5% cashback on Mercury IO. |
| Best for | US freelancers, 1099 contractors | US-incorporated startups, VC-backed companies, Remote founders |
| Integrations | QuickBooks | QuickBooks, Xero, NetSuite |
Found: pros & cons
- Built for self-employed
- No credit
Mercury: pros & cons
- Best banking UX for startups
- No monthly fees
- Strong treasury product
- US incorporation required
- Not a traditional bank — partner bank model