Mercury vs GoTyme.
Mercury (M70/100) and GoTyme (G52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Mercury leads GoTyme 6-1.
| G GoTyme №65 · BSP 52 /100 | M Mercury №33 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 71 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
- Best for fees Mercury won 1 of 4
- Best for protection Mercury won 2 of 2
- Best for reach Mercury won 1 of 3
- Best for ux Tied
Mercury vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than Mercury?
Under our v3 methodology, Mercury leads GoTyme 6–1 across 12 dimensions. Composite scores: GoTyme 52/100 vs Mercury 70/100. Mercury is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is GoTyme or Mercury cheaper?
Monthly fee — GoTyme: €0; Mercury: €0. Card FX markup — GoTyme: 1.50%; Mercury: 1.00%. Mercury 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, GoTyme or Mercury?
GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Mercury is the stronger pick on regulatory protection.
Where can I use GoTyme and Mercury?
GoTyme operates in 1 country; 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.