Chime vs Mercado Pago Empresas.
Chime (C74/100) and Mercado Pago Empresas (M69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Chime leads Mercado Pago Empresas 4-3.
| C Chime №23 · FDIC 74 /100 | M Mercado Pago Empresas №38 · BACEN 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank BACEN |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 7 countries |
| Crypto Coins available | No | 3 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 25k reviews | 3.5 ★ 30k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
Pick Mercado Pago Empresas if…
The LATAM SMB-and-merchant payments platform with the deepest marketplace integration in the region — integrated with MercadoLibre / Mercado Livre, the largest e-commerce marketplace in Latin America. Multi-country coverage (BR, AR, MX, CO, CL, UY, PE) plus the marketplace network effect makes Mercado Pago Empresas the structural default for any LATAM-operating SMB that touches the MercadoLibre ecosystem. Free business account + card-acceptance terminals (Point) + online payment gateway + working-capital loans (Mercado Crédito) underwritten on platform sales data — the structural answer for any SMB selling on Mercado Livre / Mercado Libre marketplaces and the default e-commerce checkout across BR / AR / MX / CO / CL. Payment-institution model (not a bank), so customer funds are NOT FGC / national-DGS protected. Parent MercadoLibre (NASDAQ: MELI) is the dominant e-commerce + fintech platform across LATAM.
- Best for fees Chime won 1 of 4
- Best for protection Tied
- Best for reach Mercado Pago Empresas won 3 of 3
- Best for ux Chime won 2 of 2
Chime vs Mercado Pago Empresas — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Mercado Pago Empresas?
Under our v3 methodology, Chime leads Mercado Pago Empresas 4–3 across 12 dimensions. Composite scores: Chime 74/100 vs Mercado Pago Empresas 69/100. Chime is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chime or Mercado Pago Empresas cheaper?
Monthly fee — Chime: €0; Mercado Pago Empresas: €0. Card FX markup — Chime: Interbank; Mercado Pago Empresas: 2.50%. Chime 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, Chime or Mercado Pago Empresas?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. Both score equally on regulatory protection rows.
Where can I use Chime and Mercado Pago Empresas?
Chime operates in 1 country; Mercado Pago Empresas operates in 7 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.