Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs Mercado Pago
BoursoBank
Higher score in this comparison
Mercado Pago
What sets them apart
| Compare | BoursoBankReviewSee alternativesSee alternatives | Mercado PagoReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | R$0 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 2 |
| Transfer fee | Not confirmed | Free |
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Key differences
- BoursoBank scores higher overall: 9.4 vs 9.3.
- Mercado Pago is available in 2 more countries.
- Support channels: only BoursoBank offers Email, Chat.
- Audience: only BoursoBank offers Travelers.
- Audience: only Mercado Pago offers Business, Teen.
- Pricing model: only BoursoBank offers Low FX.
Our verdict on each
BoursoBank
BoursoBank suits anyone who wants a French bank with no monthly fee and free currency exchange abroad. Deposits sit under EU deposit guarantee, and the savings side pays a variable rate on an easy-access account. It is a good fit for travellers and for savers who want access at any time.
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 | BoursoBank | Mercado Pago |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | 9.3A monthly fee of BRL 0 and a minimum deposit of BRL 0 on an easy access account. |
| Offer | 9.8Higher | 9.2A headline rate of 105% on money that stays available, credited on business days with no minimum balance. |
| Trust | 9.1 | Not confirmed |
How they place
| Ranking | BoursoBank | Mercado Pago |
|---|---|---|
| Savings accounts | 85 of 1420 | 150 of 1420 |
| Online banks | 18 of 402 | 35 of 402 |
Every fact side by side
| Fact | BoursoBank | Mercado Pago |
|---|---|---|
| Audience | Travelers | Business, Teen |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Digital only | Digital only |
| Legal entity | Boursorama SA | Mercado Pago Instituicao de Pagamento Ltda. |
| Headquarters | France | Brazil |
| Founded | 1998 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centreCovers more | Help centre, Phone |
Savings
| Fact | BoursoBank | Mercado Pago |
|---|---|---|
| Headline rate | 1.5% to 2.5% | 105%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | €10 | R$0 |
| Access terms | Deposits and withdrawals free at any time, minimum balance EUR 10, up to 4 booklets, requires a BoursoBank current account | Money usable at any time, no IOF, accrues daily on business days, no minimum balance |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | BoursoBank | Mercado Pago |
|---|---|---|
| Delivery time | Not confirmed | Instant |
| Fee to send 1,000 | Not confirmed | ARS 0 |
Where each stands against the rest
| Fact | BoursoBank | Mercado Pago | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
BoursoBank
Pros
- Monthly fee of €0, in line with the site median of €0
- Currency conversion fee of 0%, against a site median of 0.5%
- Savings pays a variable rate of 1.5% to 2.5% with a minimum deposit of €10
Cons
- The savings account requires a BoursoBank current account
- The savings rate is variable, so it can move with the bank's rate decisions
- The account is digital-only, which suits people who bank mainly on screen
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
BoursoBank
Who it suits
- Travellers who spend and withdraw money abroad often
- Savers who want a variable rate and access to their money at any time
- Customers happy to run a current account to unlock the savings side
Who should look elsewhere
- Bit2Me, if you want a different kind of service, since its conversion fee is 0.95%
- bunq, if you prefer a set monthly plan, since its conversion fee is 3%
- Varo Visa Debit Card, if you would rather hold a card-led account with a monthly fee of $0
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 | BoursoBank | Mercado Pago |
|---|---|---|
| Argentina | No | Yes |
| Brazil | No | Yes |
| France | Yes | No |
| Mexico | No | Yes |
Questions about each
BoursoBank
What does BoursoBank charge each month?+
The monthly fee is €0, and the site median for monthly fees is €0. BoursoBank ranks at position 1 of 500 brands on this measure. The bank is run on a no monthly fee model.
What does it cost to spend money abroad?+
The currency conversion fee is 0%, against a site median of 0.5% and an upper quartile of 2.08%. BoursoBank places at position 1 of 312 brands. Travellers are one of the groups it aims at.
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.
Other options to compare
Other matchups
Related by the facts
BoursoBank
Mercado Pago