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Index › Treasury and cash › Business banking › Mercury vs Brex
Business banking · October 2026 Edition

Mercury vs Brex

One of fourteen models named Mercury first on the direct prompt; zero named Brex. Mercury was named by fourteen of the fourteen models and Brex by twelve and Mercury carries 44 labels and Brex 22, so the shares are not directly comparable.

Mercury

accepted challenger

Named in seven categories this edition.

Brex

accepted challenger

Named in eleven categories this edition.

First-choice share23%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate18%9%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#7A position in a field of 14; printed, not drawn.
Labels4422A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Mercury reading right to left. Rank and label count are printed, not drawn.Bank of America was named alongside these two in eight of the fourteen direct answers. Mercury vs Rho · Mercury vs Bluevine · Mercury vs Novo

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business banking page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
MercuryFirst choices, of fourteen modelsBrex
Direct102 against Mercury · 2 against Brex
Paraphrase62
Comparative10
Budget-constrained50
Scale-constrained00
Negative006 against Mercury
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the October 2026 Edition, Mercury and Brex were named in the same answer 109 times, of the 194 answers naming Mercury and the 672 naming Brex. In those answers Brex took the first choice thirteen times and Mercury twenty-two.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Mercury and Brex stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Mercury Brex first choice named as an alternative argued againstblank: not namedEach cell is one answer, Mercury on the left and Brex on the right.

The direct prompt

The plain question, one answer per model, grouped by where Mercury and Brex stood in it.

Mercury first, Brex an alternative

1 of 14 modelsBrex was named in the answer but not as the choice, or not at all.
GLM 4.7 FlashXMercury alternatives: Airwallex, Bank of America, Brex, Chase Business Banking

Neither was the first choice, one was named

4 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Gemini 3.5 FlashRho alternatives: Bank of America, Brex, Chase Business Banking, Mercury, Ramp
Perplexity SonarRho alternatives: Airwallex, Brex, Capital One Enhanced Checking
Qwen 3.7 FlashRamp alternatives: Aspire, Bank of America, Chase Business Banking, Mercury, Oxygen Banking
Kimi K2Chase Performance Business Checking alternatives: Brex, Mercury, Relay

Neither was named

9 of 14 modelsThe answer made no first choice from these two in this category.
Claude Haiku 4.5Chase Business Banking alternatives: Bluevine Premier Business Checking, KeyBank, Relay
GPT-5.4 miniJ.P. Morgan Commercial Banking alternatives: Bank of America, Wells Fargo Commercial Banking
Grok 4.1 FastChase Business Banking alternatives: Bank of America, Capital One
Mistral SmallCapital One alternatives: PNC Bank Treasury Enterprise Plan, Truist Bank, Wells Fargo
DeepSeek V4 FlashBank of America, Chase Business Banking alternatives: Capital One
Llama 4 Maverickno first choice
MiniMax M2.5PNC Bank alternatives: Capital One, First Internet Bank, Rho, Wise Business
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank, U.S. Bank
Muse Glimmer 30BBank of America, Chase Business Banking

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Mercury leads by thirty-two points.
Mercury35%#1 of 12
Brex4%#6 of 12
The full small business standing →
Mid-marketThe figures above
Mercury leads by nineteen points.
Mercury23%#1 of 14
Brex4%#7 of 14
The full mid-market standing →
Enterprise
The order flips: Brex leads at enterprise.
Brex17%#2 of 11
Mercury8%#5 of 11
The full enterprise standing →

What the models said about Mercury

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.

“Mercury, Relay, and BlueVine draw approximately four times the complaints of other business banking providers” MiniMax M2.5 · negative prompt · hard negative
“Highest rate of negative reviews among business banks (15.4/month), with ~41% citing sudden account closures” Grok 4.1 Fast · negative prompt · hard negative
“Accounts are being closed or frozen at an unusually high rate ... Highest-Caution Fintech Providers” DeepSeek V4 Flash · negative prompt · hard negative
“For a US startup with a tiny budget: Novo or Mercury (both completely free with $0 minimums and excellent features).” DeepSeek V4 Flash · budget prompt · first choice
“Bluevine or Mercury currently offer the best combination of zero fees, features, and accessibility” MiniMax M2.5 · budget prompt · first choice
“Mercury has effectively become the default operating account for mid-market B2B companies.” GLM 4.7 FlashX · direct prompt · first choice

What the models said about Brex

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. One of one in this category shown.

“I would generally recommend Brex if you want an all-in-one platform for banking, cards, treasury, and spend management” Perplexity Sonar · paraphrase prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.