Neobank comparison
Compare Mercury and ZEN side by side: fees, regulation, platforms.
Best for startups
Mercury is the go-to operating account for venture-backed startups, pairing free business banking with a deep…
Best for cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
| Feature | Mercury | ZEN |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 1% | 0% |
| Savings APY | - | - |
| Currencies | 3 | 32 |
| Card network | Mastercard | Mastercard |
| Deposit protection | FDIC up to 5,000,000 USD via partner-bank sweep | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for startups | Best for cross-border shoppers |
| Markets & account | ||
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.
ZEN
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.
Confirm current fees and rates on the provider's site. T&Cs apply.
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