Mercury Mercury Plus
A plan byMercury
FDIC $5M via sweep; wire domestici free; IO Card 1,5% cashback; Treasury 4%+ APY; API free. US only; no crypto; partner bank under scrutiny regulatory. Partner bank Choice Financial under federal consent order 2023; no crypto native
Mercury Plus
- Price
- €35
What's included
- Higher APY
- Premium support
- Advanced features
Data & conditions
| Account fee | — |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | FDIC partner banks |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | Banking partner (Choice Financial Group, Evolve Bank) FDIC (US) |
Strengths
- FDIC $5M via sweep; wire domestici free; IO Card 1,5% cashback; Treasury 4%+ APY; API free.
Weaknesses
- US only; no crypto; partner bank under scrutiny regulatory.
Verdict
FDIC $5M via sweep; wire domestici free; IO Card 1,5% cashback; Treasury 4%+ APY; API free. US only; no crypto; partner bank under scrutiny regulatory. Partner bank Choice Financial under federal consent order 2023; no crypto native
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is Mercury a real bank?
Mercury operates under a Banking partner (Choice Financial Group, Evolve Bank) licence (US). It is regulated by FDIC partner banks. Fund protection: FDIC fino $5M via sweep.
Can I send transfers to third-party IBANs with Mercury?
Yes, Mercury allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Mercury support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Mercury support?
Mercury supports 1 fiat currencies. Multi-currency accounts: not supported.
Can I withdraw crypto on-chain from Mercury?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).