Fintech / Banking · US

How hard is it to cancel Mercury?

Mercury scores 63/100 (grade C) for how clearly it documents cancellation in the US — a partially documented cancellation policy with notable gaps. Cancellation is available via online (self-serve), email, live chat.

Last reviewed 2026-06-10 · Documented-Policy tier · grade C

To close a Mercury account, log in to the web dashboard (closure is not available via mobile app), go to Settings > Company Profile, scroll to the bottom, click 'Close Account', then 'Start Request'. Follow the prompts, provide a reason, and click 'Request to Close'. Prerequisites: account balance must be $0.00 across all checking, savings, and sub-accounts; all pending transactions must be settled; recurring transactions should be migrated and statements downloaded beforehand. Mercury reviews the request within 2 business days and sends a confirmation email once closed. For joint accounts, any listed owner can email [email protected]. Account closures can also be initiated via in-dashboard chat (24/7, ~5-min response) or email to [email protected]. No refund policy is documented — the platform is free-to-use (no monthly fees for the base account), so there is nothing to refund; any remaining balance must be withdrawn before closure. Paid plan subscribers ($35+/mo) are not explicitly addressed regarding proration. Terms of Use (Section 13) state the user must pay all outstanding amounts before terminating; Mercury may also terminate at its discretion with notice 'to the extent permitted by applicable law'.

How to cancel Mercury

Channels: online (self-serve), email, live chat
Official cancellation page: https://support.mercury.com/hc/en-us/articles/28771649397908-Closing-your-Mercury-account
Pause/freeze: not offered. No pause or freeze option documented. Mercury is a business banking platform; account suspension is only Mercury-initiated.
Account/data deletion: Users may request deletion of Personal Information by emailing [email protected]. Mercury verifies identity before processing. Exceptions apply for legal obligations and fraud prevention. CCPA rights (access, correct, delete, opt-out, non-discrimination) and EEA/UK GDPR rights (including appeal) are documented in the Privacy Policy. https://mercury.com/legal/privacy

Evidence

Scope & fairness

This is the Documented-Policy tier: it measures how clearly the cancellation policy is published (cited, dated facts), not the behavioural experience of cancelling (Verified-Flow audit pending). Every company is scored on the same five dimensions with the same published weights — scores cannot be bought or removed. It is opinion grounded in disclosed facts, and not legal advice.

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Cite this. Cancel Atlas (2026). “Mercury — Cancellation Friction Index (US).” CES-1.1. https://www.cancelatlas.com/c/mercury (CC BY-SA 4.0).

See Mercury in the full index -> · How we score · Open data