Nubank vs Mercury.
Nubank (N72/100) 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. Nubank leads Mercury 5-2.
| M Mercury №32 · FDIC 70 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank BACEN |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.4 ★ 1k reviews | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.5 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Mercury won 1 of 4
- Best for protection Nubank won 1 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Tied
Nubank vs Mercury — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercury better than Nubank?
Under our v3 methodology, Nubank leads Mercury 5–2 across 12 dimensions. Composite scores: Mercury 70/100 vs Nubank 72/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Mercury or Nubank cheaper?
Monthly fee — Mercury: €0; Nubank: €0. Card FX markup — Mercury: 1.00%; Nubank: 4.00%. 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, Mercury or Nubank?
Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Nubank is the stronger pick on regulatory protection.
Where can I use Mercury and Nubank?
Mercury operates in 1 country; Nubank operates in 3 countries. 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.