Updated October 16, 2026 · VaultCue Editorial Team
ACM Holding virtual bank vs Mercado Pago
ACM Holding virtual bank
Mercado Pago
Higher score in this comparison
What sets them apart
| Compare | ACM Holding virtual bankReviewSee alternativesSee alternatives | Mercado PagoReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | Not confirmed | 105% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | R$0 |
| Access terms | Not confirmed | Money usable at any time, no IOF, accrues daily on business days, no minimum balance |
| Monthly fee | Not confirmed | R$0 |
| Account kind | Not confirmed | Easy access |
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Our verdict on each
ACM Holding virtual bank
A 2025 notice gave ACM conditional approval, not an operating licence.
Mercado Pago
Mercado Pago pays a headline rate of 105% on money that stays usable at any time, with a monthly fee of BRL 0 and a minimum deposit of BRL 0, which suits businesses and teens who want a balance that earns while it sits. The rate is variable, so the return can move.
Score breakdown
| Area | ACM Holding virtual bank | Mercado Pago |
|---|---|---|
| Cost | Not confirmed | 9.3A monthly fee of BRL 0 and a minimum deposit of BRL 0 on an easy access account. |
| Offer | Not confirmed | 9.2A headline rate of 105% on money that stays available, credited on business days with no minimum balance. |
How they place
| Ranking | ACM Holding virtual bank | Mercado Pago |
|---|---|---|
| Savings accounts | 1407 of 1420 | 150 of 1420 |
Every fact side by side
| Fact | ACM Holding virtual bank | Mercado Pago |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | Not confirmed | Mercado Pago Instituicao de Pagamento Ltda. |
| Headquarters | Not confirmed | Brazil |
| Support channels | Not confirmed | Help centre, Phone |
Everyday accounts
| Fact | ACM Holding virtual bank | Mercado Pago |
|---|---|---|
| Currencies | Not confirmed | 2 |
| Audience | Not confirmed | Business, Teen |
| Features | Not confirmed | Digital only |
| Transfer fee | Not confirmed | Free |
Money transfer
| Fact | ACM Holding virtual bank | Mercado Pago |
|---|---|---|
| Delivery time | Not confirmed | Instant |
| Fee to send 1,000 | Not confirmed | ARS 0 |
Where each stands against the rest
| Fact | ACM Holding virtual bank | Mercado Pago | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 105%highest quarter | 3.25% |
| Minimum deposit | Not confirmed | R$0lowest quarter | R$1 |
| Monthly fee | Not confirmed | R$0at the median | R$0 |
Median across 658 listed accounts.
Pros and cons
Mercado Pago
Pros
- A headline rate of 105%, placed 1 of 473 on headline rate here.
- A monthly fee of BRL 0 and a minimum deposit of BRL 0, so nothing is listed to pay for holding the balance.
- Money stays usable at any time, accrues daily on business days, with no IOF charged on the balance.
Cons
- The rate is variable, so the return can move rather than being set in advance.
- Support runs on help centre and phone only, a narrower set of routes than a branch counter.
- The account is digital only, so there is nothing to visit in person.
Who each suits
Mercado Pago
Who it suits
- Businesses that park sales money in the account and want it to earn between payments.
- Teen users opening a first account: the audience is listed as business and teen and the minimum deposit is BRL 0.
- Anyone who needs a balance that can be spent on the same day it accrues interest.
Who should look elsewhere
- PayPal Colombia, listed at 3.3% on headline rate, for anyone who wants a far lower advertised figure.
- Readers who want a rate fixed in advance, since the rate here is variable. Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59% for a side-by-side check.
Current offers
Mercado Pago
Current offer
Bonus
Cofrinhos yield 120% of CDI with Meli+: 120% of CDI on Cofrinhos
Active Meli+ subscription; Cofrinhos are part of the Mercado Pago account
Source, checked September 26, 2026
Country by country
| Country | ACM Holding virtual bank | Mercado Pago |
|---|---|---|
| Argentina | No | Yes |
| Brazil | No | Yes |
| Mexico | No | Yes |
Questions about each
Mercado Pago
What rate does Mercado Pago pay on the balance?+
The account pays a headline rate of 105%. The rate type is variable, so the figure can move rather than staying set for a term. Interest accrues daily on business days and the money remains usable at any time.
Is there a monthly fee to pay?+
The monthly fee is BRL 0 and the pricing model is no monthly fee, so there is no recurring charge to keep an eye on. Money also leaves without a listed charge, at ARS 0 per transfer.
Is there a minimum deposit or a notice period?+
There is no minimum deposit, listed as BRL 0, and no minimum balance to maintain. The account is easy access and the money is usable at any time, with no IOF charged on the balance.
How fast do payments and transfers go out?+
Delivery is Instant and the transfer fee is free, which works out at ARS 0. Because the account is digital only, transfers are handled in the app rather than at a counter.
Other options to compare
Other matchups
Related by the facts
ACM Holding virtual bank
Mercado Pago