Best Alternatives to Mercury for Freelancers
Mercury is an excellent business bank for startups and tech companies, but many freelancers and gig workers find it too business-heavy. If you want tax set-aside, income tracking, crypto, or simpler fees, these alternatives fit better.
Alternatives to Mercury
- Kronos: Built for gig workers and freelancers — income detection, tax set-aside, crypto, mileage, and payment requests in one app
- Novo: Simple, no-fee business checking with invoicing and accounting integrations
- Relay: Multiple accounts/envelopes for separating taxes, profit, and operating costs
- Found: Tax savings, bookkeeping, and invoicing designed for self-employed people
Where Kronos is the stronger alternative
Kronos is the strongest alternative for freelancers who don't fit Mercury's startup mold — especially gig workers, drivers, and multi-platform earners who want crypto and income tracking alongside banking.
How to decide
List the jobs you actually need done — separate tax buckets, gig-income tracking, crypto, payment requests, mileage, transfer status — and pick the app that covers the most of them without stitching several together. Verify current terms on each official page before committing.
Frequently asked questions
What is the best alternative to Mercury for freelancers?
Kronos for gig workers and multi-platform freelancers, Novo for simple no-fee checking, Relay for budgeting, and Found for tax-focused self-employed banking.
Is Mercury good for freelancers?
Mercury is excellent for registered LLCs and startups, but sole proprietors and gig workers often find it too business-focused. Alternatives like Kronos and Found fit that audience better.
Does any Mercury alternative support crypto?
Kronos includes a non-custodial crypto wallet where enabled. Most traditional freelancer banks (Novo, Relay, Found) do not.
General educational information only; not financial, tax, legal, or investment advice. Digital assets can lose value and are not bank deposits or FDIC insured. No provider paid for inclusion.