Mercury vs Centtrip
On cashback Mercury wins (up to 1.5%); for spending abroad FX markup matters, and Centtrip does better (2% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Mercury and Centtrip.
| Mercury | Centtrip | |
|---|---|---|
| Tier | S | A |
| Rating | ★ 4.8 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | dedicato · GB, EEA |
| Multi-currency | No (single currency) | Yes · 15 currencies |
| Outbound transfers to third-party IBANs | Yes | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | No | No |
| Interest on balance | 3.61% | 0% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | EEA, UK, US, APAC · 100+ countries |
| Regulator | FDIC partner banks | FCA |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Regions | US | EU/EEA, UK, US, APAC |
| Licences & safety | Banking partner (Choice Financial Group, Evolve Bank) | EMI |
Frequently asked questions
Mercury vs Centtrip: which is better?
On cashback Mercury wins (up to 1.5%); for spending abroad FX markup matters, and Centtrip does better (2% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Mercury and Centtrip.
Which is cheaper, Mercury or Centtrip?
On the standard spending profile Mercury has the lowest net annual cost: €0 versus €0 for Centtrip.
Which offers more cashback, Mercury or Centtrip?
Mercury has the highest cashback: up to 1.5%. Note the top rate often requires token staking and is subject to spending caps.
Is Mercury custodial or self-custody?
Mercury is custodial: funds are held by the platform, while Centtrip is custodial.
Which is better for spending abroad?
For foreign-currency spending Centtrip wins, with the lowest FX markup: 2%.