# Mercury Bank 44 Hacker News commenters recommended Mercury Bank and 8 criticized it, November 2025 to November 2026. It was recommended in 11 of 13 months; owners who said how long report a median of 5 years (5 owners). It meets the Hacker Approved badge rule. **Verdict:** People recommend Mercury for fast account setup, a clean app and API-friendly business banking. The most common caveat is that it is a fintech, not an FDIC-insured bank. ## Why people recommend it - Clean, easy-to-use app (5 comments): "The Mercury site also looks way better than most other banks I have ever used" ([source](https://news.ycombinator.com/item?id=47993114)) "provided me the B2B account within the day and the product and UX is awesome" ([source](https://news.ycombinator.com/item?id=46730684)) "continually impressed that it just makes sense" ([source](https://news.ycombinator.com/item?id=47993227)) - Fast account setup and transfers (3 comments): "provided me the B2B account within the day and the product and UX is awesome" ([source](https://news.ycombinator.com/item?id=46730684)) "Once I had an account the money showed up overnight." ([source](https://news.ycombinator.com/item?id=47996912)) "Mercury can set up bank accounts in less than a day" ([source](https://news.ycombinator.com/item?id=50125402)) - Helpful team and good culture (4 comments): "Mercury unblocked my accounts because their founder is a very kind man who bothered to verify what the document actually says" ([source](https://news.ycombinator.com/item?id=49307871)) "seeing this post and their culture and that they use Haskell is kinda changing my mind" ([source](https://news.ycombinator.com/item?id=47993878)) "Mercury had great focus and execution. They also have some good tech" ([source](https://news.ycombinator.com/item?id=48000587)) - API access for developers (2 comments): "The API supports enough operations in the free tier to do so with ease" ([source](https://news.ycombinator.com/item?id=47993904)) "You'd be surprised how hard it is to find an API driven bank account." ([source](https://news.ycombinator.com/item?id=46241070)) ## What people warn about - Not a bank, no FDIC insurance (5 comments): "be aware that Mercury is a fintech, not a bank, and doesn't participate in the FDIC insurance scheme" ([source](https://news.ycombinator.com/item?id=50000899)) "they're not a bank so FDIC insurance and other bank aspects are different" ([source](https://news.ycombinator.com/item?id=47795511)) "Mercury is not a bank. So giving them your money and getting it back safely relies upon the partner institution." ([source](https://news.ycombinator.com/item?id=50001174)) - Strict verification and account refusals (3 comments): "sent KYC notice literally saying "we noticed you use app outside of declared locations"" ([source](https://news.ycombinator.com/item?id=47662292)) "the latter gave me a no-go on an account for a non profit" ([source](https://news.ycombinator.com/item?id=47279228)) "I really think Mercury bank should audit their onboarding process." ([source](https://news.ycombinator.com/item?id=47144752)) ## Alternatives hackers recommend - [Revolut](https://hackerapproved.com/p/revolut.md): 43 recommend - [Monzo](https://hackerapproved.com/p/monzo.md): 19 recommend - [Starling Bank](https://hackerapproved.com/p/starling-bank.md): 10 recommend - [N26](https://hackerapproved.com/p/n26.md): 8 recommend ## Where to get it - [Visit the official site](https://mercurylang.org/) ## Cite as Hacker Approved, "Mercury Bank", https://hackerapproved.com/p/mercury/ (counts from 1,795,640 Hacker News comments, November 2025 to November 2026).