Juni vs Mercury: Business Banking Comparison (2026)
Juni and Mercury both offer business banking services with free tiers, but they cater to different core needs. Juni focuses on cashback, multi-currency support, and credit features, while Mercury emphasizes zero-fee banking, invoicing, and simplified multi-business management.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask business banking questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Cashback on eligible spend
- ✓Multi-currency IBANs
- ✓Juni cards
- ✓Up to 38 days credit card repayments
- ✓Account payment FX
- ✓Card spend limit
- ✓Invoice Credit payment terms
- ✓Banking services for $0
- ✓Invoicing API available
- ✓Recurring invoices available
- ✓Unlimited 1099 tax filings
- ✓Access to Treasury with $250K balance
- ✓No monthly fees or account opening fees
- ✓Expense management features
- ✓Simple account structure for multi-business
When to choose Juni
Choose Juni if you prioritize earning cashback on eligible spend, require multi-currency IBANs, need Juni cards, or seek up to 38 days for credit card repayments and Invoice Credit payment terms.
When to choose Mercury
Choose Mercury if you need banking services with $0 monthly fees, require an Invoicing API, recurring invoices, unlimited 1099 tax filings, or prefer a simple account structure for multiple businesses.
Frequently Asked Questions
AI visibility profiles
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