If you earned $10 or more in interest or signup bonuses from Mercury in a calendar year, you’ll receive one or more 1099 tax forms. This article explains which forms you might receive and where to find them.
Where to find your tax forms
All tax documents will be available in Documents & Data > Tax Documents in your Mercury dashboard. Some forms will be available starting January 31, 2026. All forms will be issued no later than February 17, 2026.
What forms you might receive
1099-INT
You’ll receive a 1099-INT form if you earned $10 or more in interest in 2025 from your Mercury account(s) and/or you received a signup bonus through a Mercury referral link.
Details:
- If you have both an individual and joint Mercury account and earned $10+ in each, you’ll get separate 1099-INTs for each account
- Similarly, if you have accounts with separate partner banks, you’ll receive a 1099-INT for each
- Signup bonuses will appear on a separate 1099-INT form with Mercury listed as the payer
- For joint accounts, the form is issued to the primary account holder only
Reminder: No 1099-INT will be issued if you earned less than $10 in total interest from an account in 2025. If you believe you should have received one, please reach out to peronal@mercury.com.
1099 Consolidated
You’ll receive a 1099 Consolidated form if you used Invest in the previous calendar year and received dividends or realized returns. This form includes all relevant tax reporting for your investments.
1099-MISC
You’ll receive a 1099-MISC form with Mercury listed as the payer if you earned $600 or more in referral bonuses in 2025.
FAQs
What if my account was closed or suspended?
If you qualify and your account was suspended or has been closed, you will still receive a notification email with a link to access your 1099-INT in your Mercury account.
Why didn’t I receive a tax form?
You won’t receive a 1099-INT if you earned less than $10 in interest in a given account.
For specific guidance on your tax filing obligations, please consult with a qualified tax professional. Mercury does not provide tax advice. Tax regulations can be complex and vary based on individual circumstances, so it's important to seek personalized advice from an expert who can assess your unique situation.