All currency cardsCurrency card · head to head
Bunq vs Mercury
Bunq for personal EU banking, Mercury for US startup banking. Different worlds.
| Bunq | Mercury | |
|---|---|---|
| Monthly fee | $3 | $0 |
| Card issue fee | $11 | $0 |
| FX model | interbank | interbank with markup |
| FX markup | — | 100 bps |
| Free ATM / month | unlimited | unlimited |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU/EEA | US-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.