The Mercury bank bonus is one of the most generous offers in business banking right now: up to $375 in cash when you open a Mercury account. You get $275 for depositing $10K within 90 days and another $100 for spending $10K on the Mercury IO card. Here is the full breakdown.
💵 Mercury Bank Bonus: Up to $375 in Cash
$275 deposit bonus + $100 IO card spend bonus, both within your first 90 days. No code required.
How the Mercury Bonus Works
The current Mercury offer has two parts you can stack for up to $375 in cash:
- $275 cash when you deposit $10,000 into your Mercury account within your first 90 days.
- $100 cash when you spend $10,000 on the Mercury IO credit card within your first 90 days.
Both bonuses are paid in cash to your Mercury account once you meet the requirements. You do not need a coupon code — the offer applies automatically when you sign up through the partner link.
Who Qualifies
Mercury is business banking, so you need a registered US business entity (LLC, C-Corp, or S-Corp) with an EIN. It is a great fit for startups, e-commerce sellers, agencies, freelancers with an LLC, and international founders who have formed a US company. Personal/consumer accounts are not offered.
How to Claim the Bonus (Step by Step)
- Click the button above to open Mercury through the partner link.
- Apply with your business details (entity name, EIN, and basic info). Approval is usually fast.
- Deposit at least $10,000 within 90 days to unlock the $275.
- Activate the IO card and spend $10,000 within 90 days to unlock the extra $100.
Why Mercury Is Worth It Beyond the Bonus
- Zero monthly fees and no minimum balance.
- Free USD wires and same-day ACH.
- Up to $5M in FDIC insurance through partner banks and sweep networks.
- The IO credit card with 1.5% unlimited cashback, available from day one.
- Built-in invoicing, bill pay, and QuickBooks / Xero / NetSuite integrations.
- Trusted by 300,000+ businesses.
Frequently Asked Questions
Do I need a coupon or referral code?
No code needed. The bonus applies automatically when you sign up through the partner link on this page.
How long until I get the cash?
Once you hit each requirement within the 90-day window, the cash is credited to your Mercury account (typically within a few weeks of qualifying).
Can I get both bonuses?
Yes. The $275 (deposit) and $100 (card spend) stack for up to $375 total if you meet both requirements.
Is Mercury a real bank?
Mercury is a financial technology company; banking services are provided by its partner banks (Choice Financial Group and Column N.A., Members FDIC). Your deposits are FDIC-insured through those partners.
Claim Up to $375 With Mercury
Open your free business account and start unlocking your cash bonus today.
Affiliate disclosure: We may earn a commission if you open a Mercury account through links on this page, at no cost to you. Mercury is a financial technology company, not a bank; banking services provided by Choice Financial Group and Column N.A., Members FDIC. This is not financial advice.