Mercury vs TymeBank.
Mercury (M70/100) and TymeBank (T50/100), 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 TymeBank 7-0.
| M Mercury №32 · FDIC 70 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. SARB |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.4 ★ 1k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.5 | 4.3 ★ iOS 4.4 · And 4.3 |
| 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 TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- 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 TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercury better than TymeBank?
Under our v3 methodology, Mercury leads TymeBank 7–0 across 12 dimensions. Composite scores: Mercury 70/100 vs TymeBank 50/100. Mercury is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Mercury or TymeBank cheaper?
Monthly fee — Mercury: €0; TymeBank: €0. Card FX markup — Mercury: 1.00%; TymeBank: 2.00%. 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 TymeBank?
Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Mercury is the stronger pick on regulatory protection.
Where can I use Mercury and TymeBank?
Mercury operates in 1 country; TymeBank 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.