Airtm vs Meru
The structural difference is custody: Meru leaves you the keys, while Airtm holds funds on the platform. In our editorial rating Meru leads (3.6 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Airtm and Meru.
| Airtm | Meru | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.0 | ★ 3.6 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Not disclosed |
| Network | Visa | Visa |
| ATM withdrawal | not declared | Free |
| Fund custody | Custodial (platform holds funds) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | LATAM, AFRICA, APAC, EEA, US · 190+ countries | LATAM · 14+ countries |
| Regulator | FinCEN (USA) | — |
| Segment | B2C | B2C |
| Multi-currency | — | USD, USDC, USDT |
| OAM Italy registration | — | No |
| Regions | LATAM, Africa, APAC, EU/EEA, US | LATAM |
| Licences & safety | FinCEN MSB (USA) | ND |
Frequently asked questions
Airtm vs Meru: which is better?
The structural difference is custody: Meru leaves you the keys, while Airtm holds funds on the platform. In our editorial rating Meru leads (3.6 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Airtm and Meru.
Which is cheaper, Airtm or Meru?
On the standard spending profile Airtm has the lowest net annual cost: €0 versus €0 for Meru.
Is Airtm custodial or self-custody?
Airtm is custodial: funds are held by the platform, while Meru is self-custody.