Neobank comparison
Compare Chime and Mercury side by side: fees, regulation, platforms.
Best for fee-free US banking
Chime strips fees out of everyday US banking and adds an early-payday and fee-free-overdraft safety net. It i…
Best for startups
Mercury is the go-to operating account for venture-backed startups, pairing free business banking with a deep…
| Feature | Chime | Mercury |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 1% |
| Savings APY | 2% | - |
| Currencies | 1 | 3 |
| Card network | Visa | Mastercard |
| Deposit protection | FDIC up to 250,000 USD via The Bancorp Bank and Stride Bank | FDIC up to 5,000,000 USD via partner-bank sweep |
| Regulators | - | - |
| Best for | Best for fee-free US banking | Best for startups |
| Markets & account | ||
Chime
Chime strips fees out of everyday US banking and adds an early-payday and fee-free-overdraft safety net. It is built for domestic spenders, not travellers.
Confirm current fees and rates on the provider's site. T&Cs apply.
Mercury
Mercury is the go-to operating account for venture-backed startups, pairing free business banking with a deep sweep network and treasury tools.
Confirm current fees and rates on the provider's site. T&Cs apply.
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