Mercury vs Qonto
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KurzantwortBoth are traditional neobanks. Mercury pays yield on balances. Compare custody, license, FX markup and fees field by field below.
Gegenüberstellung
| Mercury | Qonto | |
|---|---|---|
| Kategorie | traditionell | traditionell |
| Zielgruppe | SMB & startups | SMB & startups |
| Hauptsitz | San Francisco, US | Paris, FR |
| Gegründet | 2017 | 2016 |
| Verwahrung | Verwahrt | Verwahrt |
| Regulierungstyp | Partnerbank-Modell | Lizenz beantragt (derzeit Partnermodell) |
| Lizenzdetail | Partner banks (Choice, Column) | Payment institution (ACPR); pursuing credit license |
| Karte | MC · Business debit + credit | MC · Business debit |
| Cashback | 1.5% (IO card) | — |
| Rendite | Treasury yield | — |
| FX-Aufschlag | 3% currency conversion fee on all non-USD card transactions (Mastercard rate) (2026-07) | Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only) (2026-07) |
| Dienste | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards |
| Stablecoins | Nein | Nein |
| KYC | Ja | Ja |
| Aktive Regionen | Nordamerika | Europa |
| Gemeldete Nutzer | — | — |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.