Updated October 14, 2026 · VaultCue Editorial Team
Mercury vs Revolut UK
Revolut UK
Higher score in this comparison
Mercury
Mercury vs Revolut UK: the differences
| Compare | MercuryReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Monthly fee | $0 | £0 |
| Deposit protection | FDIC up to USD 250,000 | FSCS up to GBP 85,000 |
| Currency conversion fee | 1% | 0% to 1%Lower |
| Currencies | 40Higher | 30 |
| Local account details | Us ACH | IBAN |
| Transfer fee | ACH and domestic wires free; USD international wires free, OUR option $15; non-USD international wires 1% FX fee | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
| Licence type | Not confirmed | E money |
| Free ATM withdrawals | $0 | Not confirmed |
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Key differences
- Revolut UK scores higher overall: 9.0 vs 8.8.
- Founded is lower at Revolut UK: 2015 vs 2017.
- Revolut UK is licensed in 2 more countries.
- Currency conversion fee is lower at Revolut UK: 0% to 1% vs 1%.
- Currencies is higher at Mercury: 40 vs 30.
- Local account details: only Mercury offers Us ACH.
- Local account details: only Revolut UK offers IBAN.
- Support channels: only Revolut UK offers Phone.
- Audience: only Mercury offers Business.
- Audience: only Revolut UK offers Travelers, Teen.
Our verdict on each
Mercury
Mercury in the United States is a fintech business-account platform with cards, invoicing, bill pay and spend management. It offers team access roles and syncs transactions with QuickBooks Online, Xero and NetSuite; partner banks remain distinct from Mercury.
Revolut UK
Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.
Score breakdown
| Area | Mercury | Revolut UK |
|---|---|---|
| Cost | 9.1Monthly fees of $0 and a minimum deposit of $0; the site conversion median is 0.5% and Mercury's is 1%. | 9.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 9.2An easy-access easy access balance for business and freelancer, paying 3.5% that is variable, with free ATM use and joint accounts. | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | 8.3 | 8.5Higher |
Choosing between them
Pick Mercury if currencies matter most.
Pick Revolut UK if offer and currency conversion fee matter most.
Spending 1,000 abroad
Mercury
10
1% of 1,000
Revolut UK
0 to 10
0% to 1% of 1,000
Revolut UK comes out 10 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Mercury | Revolut UK |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
How they place
| Ranking | Mercury | Revolut UK |
|---|---|---|
| Savings accounts | 472 of 1420 | 40 of 1420 |
| Business bank accounts | 201 of 563 | 23 of 563 |
| Accounts for freelancers | 57 of 130 | 12 of 130 |
| Multi-currency accounts | 193 of 348 | 13 of 348 |
Every fact side by side
| Fact | Mercury | Revolut UK |
|---|---|---|
| Audience | Business, Freelancer | Travelers, Freelancer, Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Joint account | Free ATM, Joint account |
| Legal entity | Mercury Technologies, Inc. | Revolut Payments UAB |
| Headquarters | United States | Lithuania |
| Founded | 2017 | 2015Lower |
| Support channels | Email, Chat, Help centre | Chat, Phone, Help centre, EmailCovers more |
Savings
| Fact | Mercury | Revolut UK |
|---|---|---|
| Headline rate | 3.5% | 4%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | $0 | £0 |
| Access terms | On-demand access: unlimited USD wires, ACH, real-time payments and checks between personal, joint and trust accounts | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | Mercury | Revolut UK | Median |
|---|---|---|---|
| Currency conversion fee | 1%above the median | 0% to 1%below the median | 0.5% |
| Currencies | 40highest quarter | 30highest quarter | 5 |
| Free ATM withdrawals | $0at the median | Not confirmed | $0 |
Median across 536 listed accounts.
Pros and cons
Mercury
Pros
- Business tools and accounting integrations are described.
Cons
- Mercury is a fintech platform, not itself a bank
- partner-bank protections are not platform guarantees.
Revolut UK
Pros
- Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
- Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
- Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.
Cons
- The rate type is variable, so the 4% can move and nothing is fixed for a set period.
- The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
- On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.
Who each suits
Mercury
Who it suits
- US businesses comparing account-management, team-access and accounting-sync tools.
Who should look elsewhere
- Businesses requiring Mercury itself to be the deposit-taking bank or a platform-level protection guarantee.
Revolut UK
Who it suits
- Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
- Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
- Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.
Who should look elsewhere
- Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
- People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
- Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.
Current offers
Mercury
Current offer
First period offer
Mercury Plus first month waived on annual pricing: $35/mo waived until Dec 31, 2026
Mercury Plus plan billed annually (15% off)
Source, checked September 26, 2026
Bonus
Xero and Amazon gift card with Mercury Plus and Pro: 6 months free Xero + $100 Amazon gift card
Mercury Plus or Mercury Pro plan; Xero/Amazon terms apply
Source, checked September 26, 2026
Bonus
Mercury Personal included with any business plan: $240/year Personal subscription covered
Requires an active Mercury business account in good standing
Source, checked September 26, 2026
Country by country
| Country | Mercury | Revolut UK |
|---|---|---|
| United States | Yes | No |
Questions about each
Revolut UK
What rate does the Revolut savings account pay?+
The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.
Is there a monthly fee or a minimum deposit?+
The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.
Is my money protected?+
Deposits are covered by FSCS up to GBP 85,000. The savings balance is held by ClearBank Limited as a savings deposit partner regulated in the UK by the Financial Conduct Authority and Prudential Regulation Authority, while the brand's own account licence type is e money.
How do I withdraw money?+
Access is instant in the Revolut app, withdrawals carry no fee, and there is no cap on how much can be taken out. Support runs on chat, phone and help centre, so the app is not the only way to reach help if something goes wrong.
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