Mercury vs Now Money.
Mercury (M70/100) and Now Money (N60/100), 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 Now Money 5-1.
| M Mercury №32 · FDIC 70 /100 | N Now Money №52 · CBUAE 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 60 /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 | E-money inst. CBUAE |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| 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 | 4.0 ★ iOS 4.0 · And 3.9 |
| 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 Now Money if…
Migrant-worker-focused EMI in the UAE. Built-in remittance to South Asia at competitive FX. CBUAE-supervised EMI; not a bank — funds are safeguarded, not deposit-insured. Fills the underbanked segment that Liv/Wio/Mashreq Neo don't directly serve.
- Best for fees Now Money won 1 of 4
- Best for protection Mercury won 1 of 2
- Best for reach Mercury won 1 of 3
- Best for ux Mercury won 2 of 2
Mercury vs Now Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercury better than Now Money?
Under our v3 methodology, Mercury leads Now Money 5–1 across 12 dimensions. Composite scores: Mercury 70/100 vs Now Money 60/100. 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 Now Money cheaper?
Monthly fee — Mercury: €0; Now Money: €0. Card FX markup — Mercury: 1.00%; Now Money: Interbank. Now Money 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 Now Money?
Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Now Money holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Mercury is the stronger pick on regulatory protection.
Where can I use Mercury and Now Money?
Mercury operates in 1 country; Now Money 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.