Pricing that reads like a fee schedule
Three plans, one list of fees, nothing hidden in a PDF. Yearly billing saves about 17 percent and you can switch plans whenever you like.
For companies opening their first business account.
- Checking and reserve accounts
- Free ACH, checks and incoming wires
- 5 cards with spending limits
- Bill pay for up to 10 bills a month
- QuickBooks and Xero sync
For teams that pay vendors and contractors every week.
- Everything in Essential
- Unlimited cards and bills
- Free domestic wires
- Same-day ACH before 5 pm ET
- Two-person approvals
- NetSuite sync
For finance teams with rules to enforce across entities.
- Everything in Plus
- Custom roles and approval chains
- Up to 10 entities in one login
- International wires at 0.5% FX
- SSO and a full audit log
- A named account manager
The same on every plan unless a plan is named. If a fee is not on this list, we do not charge it.
Pricing questions
Something else? Email hello@merrow.money and a person replies the same business day.
Yes. No monthly fee, no minimum balance, and ACH, checks and incoming wires cost nothing. We earn from card interchange and from the paid plans, not from fees on your balance.
Any time, from Settings. Upgrades apply at once and are prorated. If you downgrade, you keep paid features until the end of the billing period.
Pay for twelve months up front and the monthly price drops by about 17 percent. If you cancel in the first 30 days we refund the full year.
The full fee schedule sits on this page. Outgoing international wires cost 0.5 percent over the mid-market rate on Scale and 1 percent on other plans. That is the whole list.
No. Invite your whole team, your accountant and your investors at no extra cost. Plans differ by features, not by seats.
Apply in about 10 minutes with your EIN and a photo ID. Most companies are approved within one business day, and Essential has no monthly fee.