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<a href="https://shouldiuse.io/vs/novo/mercury">Novo vs Mercury on Should I Use It</a>

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Novo versus Mercury
Compare	Novo	Mercury
Verdict	Worth it	Worth it
Best for	Freelancers invoicing clients monthly	US-based startups
Who it's not for	Businesses needing cash deposits or branches	Companies without a US entity
Privacy	No known public vulnerabilities found in the sources reviewed.	No known public vulnerabilities found in the sources reviewed.
Support quality	Users report no phone number for support	G2 praise vs Reddit complaints; mixed
Public sentiment	Users praise the simple, fee-free app but repeatedly complain about the lack of phone support.^⁵	Reviews are mostly positive on ease of use and design, with a vocal minority on Reddit complaining about account issues.
Biggest gotcha	No phone support; a user says issues go unresolved, costing a 1-star review^⁶	Reddit users warn of account issues . keep a backup bank relationship¹³

Pick Novo when

Freelancers invoicing clients monthly
Solopreneurs wanting fee-free checking
Mobile-first small business owners
Businesses paying contractors via ACH

When Novo is not a fit

Businesses needing cash deposits or branches
Anyone who needs phone support when things break
Companies wanting deep bookkeeping in their bank
Larger teams needing treasury or multi-user controls

Pick Mercury when

US-based startups
Remote-first small teams
Founders sending global payments
Budget-conscious small businesses

When Mercury is not a fit

Companies without a US entity
Businesses needing branch or cash-deposit services
Teams wanting guaranteed hand-holding support
Guess: cash-heavy retailers with frequent deposits

Sources

Novo homepagenovo.co
official
Novo Business Checking: 2026 Review . NerdWalletnerdwallet.com
review
Novo Review . US Newsusnews.com
review
Novo Business Banking Review . Airwallexairwallex.com
review
Novo . App Storeapps.apple.com
review
Novo . Google Playplay.google.com
review
Trustpilot reviews of novo.cotrustpilot.com
review
Novo raises $125M Series B . LinkedInlinkedin.com
news
Mercury . official sitemercury.com
official
Mercury Products . 124 G2 reviewsg2.com
review
Mercury Bank Review 2026 . Forbesforbes.com
review
Mercury Reviews . Trustpilottrustpilot.com
review
Mercury banking (USA) . Reddit r/smallbusinessreddit.com
review
Bank Account . Mercury vs Regular Bank . Reddit r/startupsreddit.com
review
Rho vs Mercury: Which startup bank fits your stage?rho.co
review
Mercury Alternative for Non-US Companies . Endlendl.io
review