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MERCO bank

The vision of Mercobank is to create a lasting impression in the heart of many customers, to be remembered not only for the revolution we created but for the way we got here. Ever since we were founded, we’ve saved millions of dollars in abusive fees for our customers. That's money in people's pockets – and not in the banks' safes. We want to be one of the most diverse and inclusive companies in the world, where everyone feels welcome and valued. Our customers and clients have said goodbye to hidden fees, no overdraft, no minimum balance, no monthly fees, no foreign transaction fees.

Imagine a different world, where what only matters are your values, not the value in your bank account. Merco bank was created to build this world with you, simplifying your financial life with transparency and security. We dare to be different for you to become the protagonist of your own life. Since day one, it's still day 1 around here.

Merco bank was created to build this world with you, simplifying your financial life with transparency and security.

We give Personal, Businesses, companies, Organizations the opportunity to build better wealth and finance plans. With our combined tools, skills, resources, expertise, collective passion, and commitment to innovation, we're creating a better financial experience to help individuals and businesses achieve more. We are passionate about helping financial institutions of all sizes, in all sectors, around the world, to dramatically accelerate their digital transformation.

Our products combine the richest end-to-end packaged country model bank functionality and the most advanced cloud-native, cloud-agnostic, AI, and API-first technology, helping our clients go live faster, giving them the freedom to innovate and deliver personalized experiences.

With the largest global community of banks, FinTechs, developers, and partners, we are bound by the belief that working together will make banking better.

We specialize in digital asset investments; our investment management specializes in digital assets. We enable investors to gain exposure to a new asset class through traditional financial products that are fully embedded in their existing banking setup - now available for purchase at your local bank. We engage personal clients, businesses, companies, Organizations on a new level of asset management experience, accessible from anywhere, anytime.

We offer the best services you need to simplify your day-to-day digital life.

  • A Better Way to Save
  • Stake And share in One Account
  • The Simplest Way to Invest in Crypto
  • Affiliates and partnerships
  • Finance planning 
  • Investing in Real Estate and lots more

Another added value is that we allow customers to take the reins of their money management and make better financial decisions. 

Our loan and crypto lending come with uttermost simplicity. You don’t actually need to sell your Crypto. You can use it as collateral towards a cryptocurrency-backed loan to pay for your daily expenses or finance more ambitious plans.

Personal, Business, Company, Organizations Loans Opportunities

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Our loans are transparent, safe, and as you wish. A Loan that puts you in control from start to end: from simulation to the last installment. No tricks, no asterisks. We offer full autonomy and real-time simulation. Our interest rates are designed for you, they are fair and personalized to help you make the best choice for your financial life.

Credit Card

Bureaucracy costs money. We are efficient so you don't have to pay anything. Our credit cards are free, modern, simple, and free. Everything to keep control in your hands. We offer the international Mercobank Mastercard, convenience, and security at more than 30 million establishments, in addition to the benefits offered by Mastercard.

Benefits and Perks

Save & Support

We offer a 401k plan with competitive matching. Plus, we’ve taken the pledge to dedicate 1% of Chime time to supporting local community organizations.

Health & Wellness

We keep track of your time with Mercobank, and celebrate each milestone along the way— with travel stipends, swag, high-fives, and endless positive energy!

Learn & Grow

Sign up for an online course. Check out that conference. Get that certification. All Mercobankers get a stipend for professional development so that we can all grow together!

Family Matters

We’re here to help you and your new family every step of the way— with 16 weeks of paid parental leave, and our onsite mother’s room. We also provide resources to support your childcare search!

Nathalie Nicole Smith states that working hard and staying true to yourself are sure ways to win in life.

At Mercobank we want to profit together with our members, not from them. That’s why our model doesn’t rely on an overdraft, monthly service, minimum balance, or other consumer fees. We help drive innovation, inclusion, and access across the industry.