WeBank vs Grasshopper.
WeBank (W76/100) and Grasshopper (G72/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. WeBank leads Grasshopper 5-1.
| G Grasshopper №29 · OCC 72 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank OCC | Full bank CBI |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.2 ★ iOS 4.3 · And 4.0 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Grasshopper if…
The OCC-chartered US national bank for startups — the structural distinction from Mercury / Brex / Bluevine / Rho is that Grasshopper IS the bank. Direct FDIC cover at the chartered-bank level, multi-bank Cash Sweep extending to $25M. Free business checking with API access. The structural fit for US-incorporated startups wanting a real bank relationship rather than a partner-bank fintech.
Pick WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees Grasshopper won 1 of 4
- Best for protection WeBank won 2 of 2
- Best for reach WeBank won 1 of 3
- Best for ux WeBank won 1 of 2
WeBank vs Grasshopper — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Grasshopper better than WeBank?
Under our v3 methodology, WeBank leads Grasshopper 5–1 across 12 dimensions. Composite scores: Grasshopper 72/100 vs WeBank 76/100. WeBank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Grasshopper or WeBank cheaper?
Monthly fee — Grasshopper: €0; WeBank: €0. Card FX markup — Grasshopper: Interbank; WeBank: 1.00%. Grasshopper 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, Grasshopper or WeBank?
Grasshopper holds a Partner-bank licence under OCC; deposit guarantee per depositor: $250,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Grasshopper and WeBank?
Grasshopper operates in 1 country; WeBank 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.