Mercury vs YAP.
Mercury (M70/100) and YAP (Y69/100), 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 YAP 4-2.
| M Mercury №32 · FDIC 70 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 69 /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 | Partner-bank CBUAE |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.4 ★ 1k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.5 | 4.3 ★ iOS 4.3 · And 4.2 |
| 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 YAP if…
UAE expat-focused digital bank — partner-bank model via RAK Bank. Strong remittance corridor to Pakistan. Multi-currency wallet differentiates vs. AED-only competitors. AE DPS cover applies via the RAK parent.
- Best for fees YAP won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Mercury won 2 of 2
Mercury vs YAP — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercury better than YAP?
Under our v3 methodology, Mercury leads YAP 4–2 across 12 dimensions. Composite scores: Mercury 70/100 vs YAP 69/100. Mercury is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Mercury or YAP cheaper?
Monthly fee — Mercury: €0; YAP: €0. Card FX markup — Mercury: 1.00%; YAP: Interbank. YAP 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 YAP?
Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. YAP holds a Partner-bank licence under CBUAE; deposit guarantee per depositor: €250,000. Both score equally on regulatory protection rows.
Where can I use Mercury and YAP?
Mercury operates in 1 country; YAP operates in 2 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.