Mercury vs Found.
Mercury (M70/100) and Found (F69/100), 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 Found 3-1.
| F Found №39 · FDIC 69 /100 | M Mercury №32 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 71 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 Tied
- Best for protection Tied
- Best for reach Mercury won 1 of 3
- Best for ux Tied
Mercury vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Mercury?
Under our v3 methodology, Mercury leads Found 3–1 across 12 dimensions. Composite scores: Found 69/100 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 Found or Mercury cheaper?
Monthly fee — Found: €0; Mercury: €0. Card FX markup — Found: 1.00%; Mercury: 1.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Found or Mercury?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. 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 Found and Mercury?
Found 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.