Mercury vs Qonto
NotaPagina localizzata automaticamente — titoli, dati chiave e categorie in italiano; le descrizioni dettagliate e i dati verificati provengono dal profilo originale in inglese.
Risposta breveBoth are traditional neobanks. Mercury pays yield on balances. Compare custody, license, FX markup and fees field by field below.
Confronto diretto
| Mercury | Qonto | |
|---|---|---|
| Categoria | tradizionale | tradizionale |
| Pubblico | SMB & startups | SMB & startups |
| Sede | San Francisco, US | Paris, FR |
| Fondata | 2017 | 2016 |
| Custodia | In custodia | In custodia |
| Tipo di regolamentazione | Modello partner-bank | Licenza in attesa (oggi modello partner) |
| Dettaglio licenza | Partner banks (Choice, Column) | Payment institution (ACPR); pursuing credit license |
| Carta | MC · Business debit + credit | MC · Business debit |
| Cashback | 1.5% (IO card) | — |
| Rendimento | Treasury yield | — |
| Maggiorazione 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) |
| Servizi | 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 |
| Stablecoin | No | No |
| KYC | Sì | Sì |
| Regioni attive | Nord America | Europa |
| Utenti dichiarati | — | — |
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.