Chime vs Mercury.
Chime (C74/100) and Mercury (M70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Chime leads Mercury 3-2.
| C Chime №22 · FDIC 74 /100 | M Mercury №29 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 71 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 25k reviews | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.6 ★ iOS 4.7 · And 4.5 |
| Read review → | Read review → | |
Pick Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
- Best for fees Chime won 1 of 4
- Best for protection Tied
- Best for reach Mercury won 1 of 3
- Best for ux Tied
Chime vs Mercury — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Mercury?
Under our v3 methodology, Chime leads Mercury 3–2 across 12 dimensions. Composite scores: Chime 74/100 vs Mercury 70/100. Chime is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chime or Mercury cheaper?
Monthly fee — Chime: €0; Mercury: €0. Card FX markup — Chime: Interbank; Mercury: 1.00%. Chime 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, Chime or Mercury?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Chime and Mercury?
Chime operates in 1 country; Mercury 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.