Grasshopper vs RappiPay.
Grasshopper (G72/100) and RappiPay (R50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Grasshopper leads RappiPay 4-1.
| G Grasshopper №29 · OCC 72 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank OCC | Payment inst. |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.2 ★ iOS 4.3 · And 4.0 | 4.3 ★ iOS 4.3 · And 4.2 |
| 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 RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- Best for fees Grasshopper won 1 of 4
- Best for protection Grasshopper won 2 of 2
- Best for reach Tied
- Best for ux RappiPay won 1 of 2
Grasshopper vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Grasshopper better than RappiPay?
Under our v3 methodology, Grasshopper leads RappiPay 4–1 across 12 dimensions. Composite scores: Grasshopper 72/100 vs RappiPay 50/100. Grasshopper is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Grasshopper or RappiPay cheaper?
Monthly fee — Grasshopper: €0; RappiPay: €0. Card FX markup — Grasshopper: Interbank; RappiPay: 3.00%. 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 RappiPay?
Grasshopper holds a Partner-bank licence under OCC; deposit guarantee per depositor: $250,000. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. Grasshopper is the stronger pick on regulatory protection.
Where can I use Grasshopper and RappiPay?
Grasshopper operates in 1 country; RappiPay 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.