Mercury vs Maya Bank.
Mercury (M70/100) and Maya Bank (M50/100), 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 Maya Bank 7-0.
| M Maya Bank №79 · BSP 50 /100 | M Mercury №32 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /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 | Payment inst. BSP | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | $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 | 4.5 ★ iOS 4.5 · And 4.4 | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
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 Mercury won 2 of 2
- Best for reach Mercury won 1 of 3
- Best for ux Mercury won 2 of 2
Mercury vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Maya Bank better than Mercury?
Under our v3 methodology, Mercury leads Maya Bank 7–0 across 12 dimensions. Composite scores: Maya Bank 50/100 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 Maya Bank or Mercury cheaper?
Monthly fee — Maya Bank: €0; Mercury: €0. Card FX markup — Maya Bank: 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, Maya Bank or Mercury?
Maya Bank holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Mercury is the stronger pick on regulatory protection.
Where can I use Maya Bank and Mercury?
Maya Bank 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.