N26 vs Mercado Pago Empresas.
N26 (N85/100) and Mercado Pago Empresas (M69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. N26 leads Mercado Pago Empresas 6-2.
| M Mercado Pago Empresas №38 · BACEN 69 /100 | N N26 №03 · BaFin 85 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 85 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank BACEN | Full bank BaFin |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 24 countries |
| Crypto Coins available | 3 coins | 400 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.5 ★ 30k reviews | 4.1 ★ 130k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.6 ★ iOS 4.8 · And 4.4 |
| Read review → | Read review → | |
Pick Mercado Pago Empresas if…
The LATAM SMB-and-merchant payments platform with the deepest marketplace integration in the region — integrated with MercadoLibre / Mercado Livre, the largest e-commerce marketplace in Latin America. Multi-country coverage (BR, AR, MX, CO, CL, UY, PE) plus the marketplace network effect makes Mercado Pago Empresas the structural default for any LATAM-operating SMB that touches the MercadoLibre ecosystem. Free business account + card-acceptance terminals (Point) + online payment gateway + working-capital loans (Mercado Crédito) underwritten on platform sales data — the structural answer for any SMB selling on Mercado Livre / Mercado Libre marketplaces and the default e-commerce checkout across BR / AR / MX / CO / CL. Payment-institution model (not a bank), so customer funds are NOT FGC / national-DGS protected. Parent MercadoLibre (NASDAQ: MELI) is the dominant e-commerce + fintech platform across LATAM.
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
- Best for fees N26 won 1 of 4
- Best for protection Tied
- Best for reach N26 won 2 of 3
- Best for ux Tied
N26 vs Mercado Pago Empresas — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercado Pago Empresas better than N26?
Under our v3 methodology, N26 leads Mercado Pago Empresas 6–2 across 12 dimensions. Composite scores: Mercado Pago Empresas 69/100 vs N26 85/100. N26 is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Mercado Pago Empresas or N26 cheaper?
Monthly fee — Mercado Pago Empresas: €0; N26: €0. Card FX markup — Mercado Pago Empresas: 2.50%; N26: Interbank. N26 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, Mercado Pago Empresas or N26?
Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. N26 holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Mercado Pago Empresas and N26?
Mercado Pago Empresas operates in 7 countries; N26 operates in 24 countries. 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.