N26 vs Mercury.
N26 (N85/100) 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. N26 leads Mercury 5-2.
| M Mercury №33 · FDIC 70 /100 | N N26 №03 · BaFin 85 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 85 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank BaFin |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 24 countries |
| Crypto Coins available | No | 400 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.4 ★ 1k reviews | 4.1 ★ 130k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.5 | 4.6 ★ iOS 4.8 · And 4.4 |
| Read review → | Read review → | |
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
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- Best for fees N26 won 1 of 4
- Best for protection Tied
- Best for reach N26 won 2 of 3
- Best for ux Mercury won 1 of 2
N26 vs Mercury — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercury better than N26?
Under our v3 methodology, N26 leads Mercury 5–2 across 12 dimensions. Composite scores: Mercury 70/100 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 Mercury or N26 cheaper?
Monthly fee — Mercury: €0; N26: €0. Card FX markup — Mercury: 1.00%; 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, Mercury or N26?
Mercury holds a Partner-bank licence under FDIC; 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 Mercury and N26?
Mercury operates in 1 country; 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.