Updated October 16, 2026 · VaultCue Editorial Team
Ant Bank vs Mercado Pago
Ant Bank
Mercado Pago
Higher score in this comparison
Ant Bank vs Mercado Pago: the differences
| Compare | Ant BankReviewSee alternativesSee alternatives | Mercado PagoReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | Not confirmed | R$0 |
| Currencies | Not confirmed | 2 |
| Transfer fee | Not confirmed | Free |
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Our verdict on each
Ant Bank
Ant Bank’s 2024 accounts describe Ant Bank (Hong Kong) Limited as incorporated and domiciled in Hong Kong.
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 | Ant 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 | Ant Bank | Mercado Pago |
|---|---|---|
| Savings accounts | 674 of 1420 | 150 of 1420 |
| Money transfer services | 544 of 1564 | 114 of 1564 |
Every fact side by side
| Fact | Ant Bank | Mercado Pago |
|---|---|---|
| Audience | Not confirmed | Business, Teen |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Digital only |
| Legal entity | Ant Bank (Hong Kong) | Mercado Pago Instituicao de Pagamento Ltda. |
| Headquarters | Not confirmed | Brazil |
| Support channels | Not confirmed | Help centre, Phone |
Savings
| Fact | Ant Bank | Mercado Pago |
|---|---|---|
| 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 |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | Ant Bank | Mercado Pago |
|---|---|---|
| Delivery time | Not confirmed | Instant |
| Fee to send 1,000 | Not confirmed | ARS 0 |
Where each stands against the rest
| Fact | Ant Bank | Mercado Pago | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | R$0at the median | R$0 |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 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
Ant Bank
Who it suits
- Readers checking Ant Bank’s incorporation and domicile as recorded in its 2024 accounts.
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 | Ant 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
Ant Bank
Mercado Pago