Neobank comparison
Compare Mercury and Wise 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 multi-currency and FX
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local accou…
| Feature | Mercury | Wise |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 1% | 0.43% |
| Savings APY | - | 3.39% |
| Currencies | 3 | 40 |
| Card network | Mastercard | Mastercard |
| Deposit protection | FDIC up to 5,000,000 USD via partner-bank sweep | Safeguarded (FCA-authorised e-money) |
| Regulators | - | - |
| Best for | Best for startups | Best for multi-currency and FX |
| 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.
Wise
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.
Confirm current fees and rates on the provider's site. T&Cs apply.
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