Mercury Bank

Long-term owners

It's stupifyingly fast but has obedience/hallucination problems that the autoregressives solved ~2 years ago.

Sep 2026 · comment

What hackers pick instead

• RevolutPeople recommend Revolut for cheap foreign-currency payments, disposable and virtual cards, and a banking app that works well for many travelers. The most common caveat is that accounts can be frozen or blocked with little warning and support is hard to reach.43recommend
• MonzoPeople recommend Monzo for its easy, modern app and fast backend, plus full API access. Critics point to outages, poor customer service and some business decisions.19recommend
• Starling BankRecommended as a well-run UK neobank with no problems for some users; critics report account lockouts and app-security cut-offs.10recommend
• N26People recommend N26 as a mobile-first German bank that works on rooted and custom Android setups, though critics cite past compliance problems, flaky logins and strict identity checks.8recommend

Every quote

The 40 most detailed of 63 comments. Each links to the original.

1. Mercury unblocked my accounts because their founder is a very kind man who bothered to verify what the document actually says

   Recommends · Aug 2026 · in “The other Sean Byrne doesn't exist”

2. be aware that Mercury is a fintech, not a bank, and doesn't participate in the FDIC insurance scheme

   Mixed · Oct 2026 · in “Visa, Mastercard, major banks facing new litigation over 'anticompetitive' fees”

3. sent KYC notice literally saying "we noticed you use app outside of declared locations"

   Mixed · Apr 2026 · in “I Won't Download Your App. The Web Version Is A-OK”

4. seeing this post and their culture and that they use Haskell is kinda changing my mind

   Mixed · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

5. The Mercury site also looks way better than most other banks I have ever used

   Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

6. provided me the B2B account within the day and the product and UX is awesome

   Recommends · Jan 2026 · in “Capital One to buy fintech firm Brex in $5.15B deal”

7. they're not a bank so FDIC insurance and other bank aspects are different

   Mixed · Apr 2026 · in “FSF trying to contact Google about spammer sending 10k+ mails from Gmail account”

8. The API supports enough operations in the free tier to do so with ease

   Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

9. You'd be surprised how hard it is to find an API driven bank account.

   Recommends · Dec 2025 · in “Mercury Personal Banking”

10. Mercury had great focus and execution. They also have some good tech

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

11. the latter gave me a no-go on an account for a non profit

    Mixed · Mar 2026 · in “Launch HN: Palus Finance (YC W26): Better yields on idle cash for startups, SMBs”

12. Once I had an account the money showed up overnight.

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

13. Mercury can set up bank accounts in less than a day

    Recommends · Oct 2026 · in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast”

14. continually impressed that it just makes sense

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

15. what appeals to me is it is easy to manage

    Recommends · Mar 2026 · in “Launch HN: Palus Finance (YC W26): Better yields on idle cash for startups, SMBs”

16. they have a good engineering culture

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

17. everything in their app Just Works

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

18. Mercury is not a bank. So giving them your money and getting it back safely relies upon the partner institution.

    Criticizes · Oct 2026 · in “Visa, Mastercard, major banks facing new litigation over 'anticompetitive' fees”

19. Calling this banking is incredibly misleading as it is not FDIC insured.

    Criticizes · Dec 2025 · in “Mercury Personal Banking”

20. I really think Mercury bank should audit their onboarding process.

    Criticizes · Feb 2026 · in “Stripe valued at $159B, 2025 annual letter”

21. Mercury is a fintech company, not an FDIC-insured bank.

    Criticizes · Dec 2025 · in “Mercury Personal Banking”

22. Small classification problems, where you need to make thousands of decisions about some specific aspect of a large corpus of data, seems like a sweet spot for a model like Mercury.

    Recommends · Jun 2026 · in “DiffusionGemma: 4x Faster Text Generation”

23. It's stupifyingly fast but has obedience/hallucination problems that the autoregressives solved ~2 years ago.

    Mixed · Sep 2026 · in “Everyone should slow down AI development except for me”

24. I have liked diffusion models for quite a while, ever since i used the original Mercury to play AI Roguelite

    Recommends · Oct 2026 · in “Mercury 3: Diffusion at scale”

25. allows you to create a (practically) unlimited number of checking accounts without additional verification

    Recommends · Oct 2026 · in “Visa, Mastercard, major banks facing new litigation over 'anticompetitive' fees”

26. That makes it very fast, like Cursor Tab, and the outputs seem very accurate in my limited testing

    Recommends · Apr 2026 · in “Cursor 3”

27. I set one up for pretty much every recurring service charge, just because it's so easy to do.

    Recommends · Apr 2026 · in “FSF trying to contact Google about spammer sending 10k+ mails from Gmail account”

28. Best bank ever, and I'll happily shill them all day every day till more people try them out.

    Recommends · Jun 2026 · in “Ask HN: Anthropic banned me from using Claude Code and I don't know what to do”

29. seems to have made the most progress here, which is not saying a ton but is not nothing

    Mixed · Jun 2026 · in “How LLMs Work”

30. A non devtool example I really like is Mercury when I was looking for what bank to use

    Recommends · Apr 2026 · in “Engineers Are Great for Marketing”

31. this has been super helpful for debugging agent teams without taking on any risk

    Recommends · Apr 2026 · in “Show HN: Mercury – No-code orchestration for human and agent teams”

32. Mercury has been awesome, I've been using them for my business account for years

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

33. As a customer of Mercury, it's truly one of the critical companies my toolkit

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

34. Mercury is brutal. I had him review lint errors and the speed is just insane

    Recommends · Jun 2026 · in “DiffusionGemma: 4x Faster Text Generation”

35. The implementations are pretty solid in terms of performance and correctness

    Recommends · May 2026 · in “Prolog Coding Horror”

36. I quite like Mercury's non-monadic IO threading + determinism semantics

    Recommends · May 2026 · in “Coalton is an efficient, statically typed Lisp with ideas from Haskell and OCaml”

37. Ironically I dropped US Bank for Mercury too. You’ll be glad you did.

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

38. wire transfer money without having to worry it might disappear

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”

39. There is a thing called Mercury that seems very promising.

    Recommends · Mar 2026 · in “I'm going to build my own OpenClaw, with blackjack and bun”

40. it's truly one of the critical companies my toolkit

    Recommends · May 2026 · in “A Couple Million Lines of Haskell: Production Engineering at Mercury”