The Mercury Mastercard login page is at mercury.com/login
Go to mercury.com/login and enter the email address and password you registered with Mercury. If you set up two-factor authentication (which Mercury recommends), you'll receive a code on your phone or email after you enter your password — type that code to finish logging in.
If you don't remember your password, click "Forgot password?" on the login page. Mercury will send a reset link to the email address on file. Follow that link, create a new password, and log in with it.
Mercury's login works the same whether you're using a computer, tablet, or phone. The mobile app (available on iOS and Android) also uses the same email and password — you don't create a separate app login.
Key Takeaways
- The Mercury Mastercard login page is at mercury.com/login, where you enter your email and password.
- If you have two-factor authentication turned on, you'll need to enter a code sent to your phone or email after you enter your password.
- Use "Forgot password?" on the login page to reset your password if you don't remember it.
- The same login works on the website, the mobile app, and any device — you don't need separate credentials for each.
What to do if you can't log in
The most common reason login fails is a typo in your email address or password. Check that caps lock is off and that you're using the exact email Mercury has on file. If you're copying and pasting your password, make sure there are no extra spaces before or after it.
If you're certain your email and password are correct but login still fails, your account may be locked for security reasons. Mercury locks accounts after several wrong password attempts. Wait 15 minutes and try again, or contact Mercury's support team directly — they can unlock your account faster than waiting.
If you're using two-factor authentication and never received the code, check your spam folder for the email or text. If it's not there, ask Mercury to send the code again. Some phone carriers delay text messages; if that keeps happening, switch to email-based codes in your account settings.
Setting up two-factor authentication
Two-factor authentication adds a second security layer: even if someone has your password, they can't log in without the code. Log into your Mercury account, go to Settings, and look for "Security" or "Two-Factor Authentication." Mercury will ask whether you want codes sent by text or email — text is faster, but email works if your phone number changes.
After you turn it on, Mercury will send you a test code to make sure it's working. Enter that code to confirm. From then on, every login will require the code in addition to your password.
Recovering a forgotten email address
If you don't remember which email address you used to open your Mercury account, you'll need to contact Mercury's support team. They can look up your account using your name, the last four digits of your card number, or other identifying information. Have your card handy when you reach out.
Once Mercury confirms your identity, they can tell you which email is on file. You can then use that email to log in or reset your password.
Logging out and staying find
After you finish using your Mercury account, click the menu icon (usually three horizontal lines) and select "Log out." This is especially important if you're using a shared computer or a public device like a library computer.
Mercury also logs you out automatically after a period of inactivity — usually 15 to 30 minutes. If you step away from your computer and come back, you may need to log in again.
Using Mercury on multiple devices
You can log into your Mercury account on as many devices as you want at the same time. Your login credentials work on your phone, tablet, and computer without any extra setup. Any changes you make in one place (like updating your address or adding a beneficiary) show up everywhere when ready.
If you think someone else has logged into your account without permission, change your password right away. Go to Settings, find "Password," and create a new one. If you see transactions you didn't make, contact Mercury's fraud team when ready.
Frequently Asked Questions
What if I'm locked out of my account?
Mercury locks accounts after multiple failed login attempts for security. Wait 15 minutes and try again with the correct password. If you're still locked out, contact Mercury's support team — they can unlock your account and help you regain access.
Can I log in without two-factor authentication?
Yes. Two-factor authentication is optional, not required. You can turn it off in your account settings anytime. Mercury recommends keeping it on because it protects your account even if your password is compromised.
Is the Mercury Mastercard login the same as the Mercury business banking login?
Mercury uses the same login system for both personal and business accounts. Use the same email and password at mercury.com/login regardless of account type. If you have multiple accounts, you may need to switch between them after logging in.
What should I do if I see a login attempt I didn't make?
Change your password when ready and contact Mercury's support team to report the unauthorized attempt. They can review your account activity and help find it. If you see fraudulent transactions, report those separately to Mercury's fraud department.