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Bunq vs Mercury

Bunq for personal EU banking, Mercury for US startup banking. Different worlds.

BunqMercury
Monthly fee$3$0
Card issue fee$11$0
FX modelinterbankinterbank with markup
FX markup100 bps
Free ATM / monthunlimitedunlimited
Multi-currency
Apple Pay
Google Pay
Virtual cards
Crypto
Joint account
AvailabilityEU/EEAUS-incorporated entities (LLC, C-Corp)

Bunq — best for

  • Sub-account budgets and savings goals
  • Frequent travellers within EU
  • Shared expenses with up to 4 people

Weak for

  • Free-tier users (paid plan needed for full features)
  • Non-EU residents

Mercury — best for

  • Solopreneur LLCs needing a US business bank
  • International founders with a Delaware C-Corp
  • USD-denominated invoicing and payouts

Weak for

  • Personal banking (it's business-only)
  • Non-US incorporated structures

Affiliate disclosure: we earn a small commission if you sign up via either link. We list both because both are genuinely useful.