Mercury vs Qonto
NotaPágina localizada automáticamente: títulos, cifras clave y categorías en español; las descripciones detalladas y los datos verificados provienen del perfil original en inglés.
Respuesta breveBoth are traditional neobanks. Mercury pays yield on balances. Compare custody, license, FX markup and fees field by field below.
Comparación directa
| Mercury | Qonto | |
|---|---|---|
| Categoría | tradicional | tradicional |
| Público | SMB & startups | SMB & startups |
| Sede | San Francisco, US | Paris, FR |
| Fundada | 2017 | 2016 |
| Custodia | Con custodia | Con custodia |
| Tipo de regulación | Modelo de banco asociado | Licencia en trámite (hoy modelo asociado) |
| Detalle de licencia | Partner banks (Choice, Column) | Payment institution (ACPR); pursuing credit license |
| Tarjeta | MC · Business debit + credit | MC · Business debit |
| Cashback | 1.5% (IO card) | — |
| Rendimiento | Treasury yield | — |
| Margen de FX | 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) |
| Servicios | 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 | No | No |
| KYC | Sí | Sí |
| Regiones activas | América del Norte | Europa |
| Usuarios declarados | — | — |
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.