bunq vs Mercury.
bunq (b87/100) and Mercury (M70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| b bunq №02 · DNB 87 /100 | M Mercury №33 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 71 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Partner-bank FDIC |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 4.4 ★ 1k reviews |
| App store iOS + Android avg | — | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
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- Best for fees bunq won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Mercury won 2 of 2
bunq vs Mercury — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Mercury?
bunq and Mercury are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: bunq 87/100 vs Mercury 70/100. The right pick depends on which dimension you weight most heavily.
Is bunq or Mercury cheaper?
Monthly fee — bunq: €0; Mercury: €0. Card FX markup — bunq: Interbank; Mercury: 1.00%. bunq wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, bunq or Mercury?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use bunq and Mercury?
bunq operates in 30 countries; Mercury operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.