Banco Inter vs Mercado Pago Empresas.
Banco Inter (B76/100) 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. Banco Inter leads Mercado Pago Empresas 4-3.
| B Banco Inter №16 · BACEN 76 /100 | M Mercado Pago Empresas №38 · BACEN 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Partner-bank BACEN |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 7 countries |
| Crypto Coins available | 8 coins | 3 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | 3.5 ★ 30k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
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.
- Best for fees Banco Inter won 1 of 4
- Best for protection Banco Inter won 1 of 2
- Best for reach Tied
- Best for ux Mercado Pago Empresas won 2 of 2
Banco Inter vs Mercado Pago Empresas — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Mercado Pago Empresas?
Under our v3 methodology, Banco Inter leads Mercado Pago Empresas 4–3 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Mercado Pago Empresas 69/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Mercado Pago Empresas cheaper?
Monthly fee — Banco Inter: €0; Mercado Pago Empresas: €0. Card FX markup — Banco Inter: Interbank; Mercado Pago Empresas: 2.50%. Banco Inter 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, Banco Inter or Mercado Pago Empresas?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Mercado Pago Empresas?
Banco Inter operates in 2 countries; Mercado Pago Empresas operates in 7 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.