Meem vs Mercury.
Meem (M74/100) 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. Mercury leads Meem 4-2.
| M Meem №24 · SAMA 74 /100 | M Mercury №32 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 71 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Partner-bank FDIC |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
- Best for fees Mercury won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Mercury won 2 of 2
Meem vs Mercury — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Meem better than Mercury?
Under our v3 methodology, Mercury leads Meem 4–2 across 12 dimensions. Composite scores: Meem 74/100 vs Mercury 70/100. Mercury is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Meem or Mercury cheaper?
Monthly fee — Meem: €0; Mercury: €0. Card FX markup — Meem: 2.00%; Mercury: 1.00%. Mercury 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, Meem or Mercury?
Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Meem and Mercury?
Meem operates in 1 country; Mercury 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.