All currency cardsCurrency card · head to head
N26 vs Mercury
N26 personal banking in EU vs Mercury business banking in US — different needs.
| N26 | Mercury | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $0 | $0 |
| FX model | card network | interbank with markup |
| FX markup | — | 100 bps |
| Free ATM / month | 3 | unlimited |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU/EEA + UK (limited) | US-incorporated entities (LLC, C-Corp) |
N26 — best for
- EU residents who want a primary current account
- Travellers in eurozone — no FX needed
- Couples (joint Spaces)
Weak for
- US, Canada, Asia — not available
- Holding multiple currencies
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
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