How does Mercury compare to Brex for startups?

Mercury and Brex serve different startup needs.

Mercury excels at basic banking: free checking, no minimums, clean UI, and solid integrations with QuickBooks and accounting tools. It suits bootstrapped and early-stage startups that need simple, reliable banking. Brex focuses on spend management: corporate cards with high limits, expense management, bill pay, and travel booking. Brex requires no personal guarantee and offers rewards optimized for software and travel spending. Mercury recently added credit cards and treasury, while Brex added checking accounts, so they increasingly overlap. Key difference: Mercury is banking-first with added features, Brex is spend-management-first with added banking. Neither offers native AI agent integration. Lovie's agent-native banking fills that gap by letting AI assistants execute financial operations directly.