Lili vs Mercury: what each publishes
As of October 17, 2026, Mercury takes these industries by its own published rules: AI and SaaS; Marketplace, with conditions. We hold no such rule from Lili.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | Lili | Mercury |
|---|---|---|
| AI and SaaS | No published rule | Yes |
| Marketplace | No | With conditions |
| Crypto | Depends on the activity | Depends on the activity |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| Forex and CFD | No published rule | No published rule |
Where owners must live
Lili
No published rule
Mercury
No published rule
Rules about countries
Lili
Lili currently supports applicants with citizenship from 20 countries: Argentina, Australia, Bolivia, Brazil, Canada, Chile, China, Colombia, Ecuador, India, Israel, Mexico, New Zealand, Norway, Panama, Paraguay, Peru, United Arab Emirates (UAE), United Kingdom, Uruguay.
Argentina, Australia, Bolivia, Brazil, Canada, Chile, China, Colombia, Ecuador, India, Israel, Mexico, New Zealand, Norway, Panama, Paraguay, Peru, United Arab Emirates, United Kingdom, Uruguay
Mercury
To open a Mercury account, your company must be formed and registered in the United States or a U.S. territory.
United Kingdom, EU / EEA (western & northern, plus Spain, Italy, Portugal), EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta), Switzerland / Liechtenstein, United Arab Emirates, Developed Asia-Pacific, CIS / Central Asia / Caucasus, Latin America, Middle East & North Africa, Africa, Jersey, Guernsey, Isle of Man, Gibraltar, Other offshore centres, FATF-listed jurisdictions, Other
However, we're unable to open accounts for founders who live in – or businesses that operate or do business in – any of the countries and regions listed below. This is based on your country of residence, not your citizenship or nationality.
All countries named (51)
Afghanistan, Albania, Angola, Bangladesh, Belarus, Bhutan, Bosnia & Herzegovina, Burkina Faso, Burundi, Cambodia, Cameroon, Central African Republic, Congo-Brazzaville, Croatia, Cuba, DR Congo, Eritrea, Gambia, Haiti, Indonesia, Iran, Iraq, Kyrgyzstan, Latvia, Lebanon, Lesotho, Liberia, Libya, Maldives, Mali, Mozambique, Myanmar, Nepal, Nicaragua, Nigeria, North Korea, Pakistan, Palestinian Territories, Philippines, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Uzbekistan, Vanuatu, Venezuela, Vietnam, Yemen, Zimbabwe
Fees
Lili
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Lili Core | Not stated | USD 0 a month | · Source |
| Lili Pro | Not stated | USD 15 a month; USD 9 a month for the first 3 months; 30-day free trial | · Source |
| Lili Smart | Not stated | USD 35 a month; USD 21 a month for the first 3 months; 30-day free trial | · Source |
| Lili Premium | Not stated | USD 55 a month; USD 33 a month for the first 3 months; 30-day free trial | · Source |
Mercury
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Mercury | Free to open ('opening a Mercury business account is free') | USD 0 a month | · Source |
| Mercury Plus | Free to open ('opening a Mercury business account is free') | USD 29.90 a month billed annually; USD 35 a month billed monthly | · Source |
| Mercury Pro | Free to open ('opening a Mercury business account is free') | USD 299 a month billed annually; more when billed monthly | · Source |
Closing an account
Lili
Lili reserves the right to close your Account for any reason, with or without notice.
Mercury
We may terminate this Agreement, or suspend your Account, at Mercury’s discretion or as provided in the Provider Account Agreements. We will provide notice of termination or suspension to the extent permitted by applicable law.
Licence
| Licensee | Lili | Mercury |
|---|---|---|
| Licensee | Lili App Inc. · financial technology company, not a bank · banking services by Sunrise Banks, N.A., Member FDIC (FDIC cert 18561) · wire transfers by Column N.A., Member FDIC (FDIC cert 58224) | Mercury Technologies Inc. · banking services via Choice Financial Group (FDIC cert 9423) and Column N.A. (FDIC cert 58224) (US) |
| Regulator | FDIC (partner banks Sunrise Banks and Column) · | FDIC-insured partner banks · |