Mercury
Built-in referral
Global
Mercury provides business banking (no monthly fees, no minimums), corporate cards, expense management, bill pay, and treasury services. Banking services run through Choice Financial Group and Column N.A. (FDIC-insured).
Modern business banking and spend management for startups and SMBs, built on top of FDIC-insured partners.
Mercury pays $250 deposited to your Mercury account when a referred business meets qualifying deposit and approval criteria, through a referral link that already sits inside the product, with no application. Referred company is approved by Mercury, deposits at least $10,000 into their account, and maintains that balance for at least one full calendar day (12:00 AM to 11:59 PM EST) during their first 90 days. The referred customer gets $250 deposited to their mercury account; expedited application review. Verified 22 Aug 2026 from Mercury's own published material.
Your commission
$250 deposited to your Mercury account when a referred business meets qualifying deposit and approval criteria
Paid as a deposit into your own Mercury account, not cash or transfer. Non-transferable, non-redeemable for cash. Can expire. Two-sided: both referrer and referee receive the bonus.
Customer incentive
$250 deposited to their Mercury account; expedited application review
Same $250 deposit bonus as the referrer. Plus, fast-tracked onboarding (no multi-day wait).
Paid whenReferred company is approved by Mercury, deposits at least $10,000 into their account, and maintains that balance for at least one full calendar day (12:00 AM to 11:59 PM EST) during their first 90 days.
Must you be a customerYes — only existing Mercury account holders can refer
DurationOne-time bonus per referral (not recurring)
Commission generatedWhen the referred company is approved, deposits $10,000+, and maintains that balance for 1 full calendar day within 90 days of approval
Payment scheduleLegal: up to 5 weeks after qualifying criteria are met. Typical (help center): the Monday after (or Tuesday if Monday is a holiday), posted within 1-3 business days.
Cash-out minimumNone stated; $250 is the minimum payout per referral
Payout railsDeposited into your own Mercury deposit account as a Mercury account balance (not bank transfer)
Attribution windowNone explicitly stated (no cookie mechanism; attribution is by unique referral link used at signup)
Important
The $250 bonus is automatic and built into every account, but the referral link is contractually non-commercial only — any public promotion, audience-directed sharing, paid ads, or coupon-site placement 'requires prior written approval,' and Mercury reserves the right to reject referrals it deems 'primarily driven by promotional incentives,' so a content site monetizing this at scale needs separate Partner agreement whose payout Mercury does not publish.
The 'up to 5 weeks' legal ceiling vs. 'typically the Monday after' help-center messaging. Also: bonuses are deposited into your account as Mercury cash, not wired bank funds, and 'may auto-lock and will not be re-issued.'
The full terms
Everything Mercury publishes about how the commission is earned and paid. A term shown as not researched is one Mercury does not publish, not one that does not apply.
How it pays
Route inBuilt-in: click your organization name → Referrals → copy link or invite via email. No application needed for the standard program.
Must you be a customerYes — only existing Mercury account holders can refer
Commission basis$250 flat per qualifying referral
DurationOne-time bonus per referral (not recurring)
Commission generatedWhen the referred company is approved, deposits $10,000+, and maintains that balance for 1 full calendar day within 90 days of approval
Payment scheduleLegal: up to 5 weeks after qualifying criteria are met. Typical (help center): the Monday after (or Tuesday if Monday is a holiday), posted within 1-3 business days.
Cash-out minimumNone stated; $250 is the minimum payout per referral
Payout railsDeposited into your own Mercury deposit account as a Mercury account balance (not bank transfer)
Attribution windowNone explicitly stated (no cookie mechanism; attribution is by unique referral link used at signup)
Self-referralBanned; also banned: referring an existing Mercury customer, or one whose account closed within 90 days, or within 3 years if it closed with a negative balance
Customer pricing
What the customer pays. Every figure above is calculated from these prices.
Mercury$0/mo
Mercury Plus$35/mo (or $29.90/mo annual)
Mercury Pro$299/mo annual
Additional earning tracks
Advisor/Partner trackSeparate Partner Agreement exists for accountants, advisors, VCs, and affiliate marketers. Payout amounts are individually negotiated (not published). Requires 'prior written approval' for any commercial/public promotion.
Verified
Read from Mercury's own published material on . Figures change without notice — quote this date alongside any figure.
Sources
Customer Referral Agreement ↗Referred Customer Agreement ↗Earning referral bonuses for Mercury business accounts ↗Partnership referrals ↗Pricing ↗
All major terms: Mercury Customer Referral Agreement, last updated February 11, 2026 (https://mercury.com/legal/referrals).
Referred-customer agreement: Mercury Referred Customer Agreement, last updated February 3, 2026 (https://mercury.com/legal/referred-customer-agreement).
Help-center timing and mechanics: checked Aug 18, 2026 via Mercury's Zendesk API (https://support.mercury.com/hc/en-us/articles/28772343724308-...).
Two-sided incentive verified: both Referral Agreement and Referred Customer Agreement confirm $250 each side.
Non-commercial restriction: verbatim from Referral Agreement §8: 'You must not publicly advertise...using your referral link...Referral links are intended solely for non-commercial use. Any commercial use...requires prior written approval.'
Citing this page
Ancaster, “Mercury affiliate terms”. Verified 22 August 2026. https://ancaster.io/offers/mercury