Mercury vs Xero
A detailed comparison of Mercury and Xero in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Mercury
Banking for startups with powerful financial tools and integrations
Mercury is a financial and accounting service that provides banking for startups with powerful financial tools and integrations. Founded in 2019 and headquartered in San Francisco, California, Mercury offers 2 pricing plans. It offers a free tier as well as paid plans starting from $35/month. Key features include Startup banking, Treasury, Corporate cards, Accounting sync. Mercury is a popular choice for users looking for quality finance subscriptions.
Xero
Cloud accounting software for small businesses
Xero is a financial and accounting service that provides cloud accounting software for small businesses. Founded in 2006 and headquartered in Wellington, New Zealand, Xero offers 3 pricing plans. Plans start from $13/month. Key features include Bank reconciliation, Invoicing, Payroll, Projects. Xero is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Mercury | Xero |
|---|---|---|
| Starting Price | Free | $13/mo |
| Plans Available | 2 | 3 |
| Year Founded | 2019 | 2006 |
| Headquarters | San Francisco, California | Wellington, New Zealand |
| Startup banking | ||
| Treasury | ||
| Corporate cards | ||
| Accounting sync | ||
| API access | ||
| Bank reconciliation | ||
| Invoicing | ||
| Payroll | ||
| Projects | ||
| Expenses | ||
| Multi-currency |
Pricing Comparison
Compare all available plans and pricing tiers
Mercury Pricing
Xero Pricing
Frequently Asked Questions
Is Mercury or Xero better in 2026?
Both Mercury and Xero are excellent finance services. Mercury offers Startup banking and Treasury, while Xero features Bank reconciliation and Invoicing. The best choice depends on your specific needs and budget.
How much does Mercury cost compared to Xero?
Mercury starts at $35/month, while Xero starts at $13/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Mercury and Xero subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Mercury and Xero. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Mercury, Xero, or both — track all your subscriptions in one place with smart alerts and analytics.