All currency cardsCurrency card · head to head
Wise vs Mercury
Wise is for personal use; Mercury is for US business banking. They complement, not compete.
| Wise | Mercury | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $9 | $0 |
| FX model | interbank | interbank with markup |
| FX markup | — | 100 bps |
| Free ATM / month | 2 | unlimited |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | 180+ countries | US-incorporated entities (LLC, C-Corp) |
Wise — best for
- International transfers — interbank rate, transparent fee
- Holding 50+ currencies in one account
- Receiving USD/EUR/GBP/AUD payouts on local details
Weak for
- Day-to-day spending in a single home currency
- ATM withdrawals over 2/month free
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.