BlackCatCard vs Mercury
On cashback Mercury wins (up to 1.5%). In our editorial rating Mercury leads (4.8 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between BlackCatCard and Mercury.
| BlackCatCard | Mercury | |
|---|---|---|
| Tier | B | S |
| Rating | ★ 3.8 | ★ 4.8 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · MT | condiviso |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| SEPA transfer | Free | — |
| Interest on balance | 4% | 3.61% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Light | Full |
| Supported countries | EEA, UK · 40+ countries | US · 1+ countries |
| Regulator | MFSA | FDIC partner banks |
| OAM Italy registration | No | No |
| Segment | B2C | B2B |
| On-chain crypto withdrawal | — | No |
| Regions | EU/EEA, UK | US |
| Licences & safety | EMI | Banking partner (Choice Financial Group, Evolve Bank) |
Frequently asked questions
BlackCatCard vs Mercury: which is better?
On cashback Mercury wins (up to 1.5%). In our editorial rating Mercury leads (4.8 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between BlackCatCard and Mercury.
Which is cheaper, BlackCatCard or Mercury?
On the standard spending profile BlackCatCard has the lowest net annual cost: €0 versus €0 for Mercury.
Which offers more cashback, BlackCatCard or Mercury?
Mercury has the highest cashback: up to 1.5%. Note the top rate often requires token staking and is subject to spending caps.
Is BlackCatCard custodial or self-custody?
BlackCatCard is custodial: funds are held by the platform, while Mercury is custodial.