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Mercuryo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Mercuryo suits buyers who want a custodial crypto wallet funded through card, bank and sepa, not a deep trading desk. The catch is cost: its taker fee of 5.5% runs above the 0.25% to 1.99% range at bunq and the 1% at eToro.

Key facts

Best for
A simple custodial crypto wallet with card and bank funding, regulated in Canada, Spain and the UK.
Taker fee
5.5%↗
Coins listed
70↗
Regulators
Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) - Money Service Business, Comision Nacional del Mercado de Valores (CNMV) - MiCA Crypto-Asset Service Provider (Criptan Trade, S.L.), UK Financial Conduct Authority (FCA) - Electronic Money Institution (Monetley Ltd), UK Financial Conduct Authority (FCA) - EMD Agent (Moneytea Ltd)↗
Fiat deposit methods
Card, Bank, SEPA, Apple-pay↗
Withdrawal fee
Blockchain fee / gas fee when withdrawing crypto to another wallet; no fee for receiving crypto to the Mercuryo wallet↗
Exchange type
Cex↗
Legal entity
Moneymaple Tech Ltd↗
Headquarters
Canada↗
Founded
2018↗
Support channels
Email, Chat, Help-centre↗
Features
Custodial
Official website
mercuryo.io

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Fiat deposits run through card, bank and sepa
  • Support runs on email, chat and help centre, with a help centre for self-serve answers
  • Founded in 2018 and headquartered in Canada

Cons

  • The taker fee of 5.5% runs above the 1% at eToro and the 0.25% to 1.99% range at bunq
  • Support runs on email, chat and help centre only, so there is no phone line
  • The wallet is custodial under custodial, so the platform holds the coins until you withdraw
Mercuryo

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Holders who want a custodial wallet and do not need deep trading tools
  • Buyers who want choice in how they fund the account, with deposits running through card, bank and sepa
  • UK and EU customers who prefer a provider named to the FCA and CNMV

Who should look elsewhere

  • Active traders, who pay a lower taker fee at eToro with 1% or the 0.25% to 1.99% range at bunq
  • Anyone who wants to hold their own keys, since the wallet is custodial

Fees and FX

Buying and selling on Mercuryo costs a taker fee of 5.5%, well above 0.2% across the exchanges listed here. That gap is the main reason to compare fees before opening an account. Withdrawing crypto to another wallet brings a blockchain or gas fee, while receiving crypto into a Mercuryo wallet carries no fee from the provider.

How Mercuryo compares

Where Mercuryo is available

Licence in Canada
Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) - Money Service Business (M21565803), checked September 26, 2026
Licence in Spain
Comision Nacional del Mercado de Valores (CNMV) - MiCA Crypto-Asset Service Provider (Criptan Trade, S.L.), checked September 26, 2026
Licence in United Kingdom
UK Financial Conduct Authority (FCA) - Electronic Money Institution (Monetley Ltd) (900921), checked September 26, 2026
Licence in United Kingdom
UK Financial Conduct Authority (FCA) - EMD Agent (Moneytea Ltd) (850523), checked September 26, 2026

Frequently asked questions

What does Mercuryo charge to buy and sell crypto?+

Mercuryo takes a taker fee of 5.5% on trades. That is above the 0.2% typical of the exchanges listed here, so regular trading costs more here than at a low-fee exchange.

Are there any fees for taking crypto out?+

Sending crypto to another wallet incurs a blockchain or gas fee, which reflects the cost of using the network. Receiving crypto into a Mercuryo wallet carries no fee from the provider, so transfers into a Mercuryo wallet are the cheaper side of a transfer.

Who regulates Mercuryo?+

Mercuryo is registered with the Financial Transactions and Reports Analysis Centre of Canada as a money service business. The UK electronic money institution role is held by Monetley Ltd under licence 900921, and the EMD agent role by Moneytea Ltd under 850523. In Spain it is a MiCA crypto-asset service provider registered with the CNMV through Criptan Trade, S.L.

How do I put money into my Mercuryo account?+

Fiat deposits run through card, bank and sepa, covering card, bank transfer and SEPA payments. Each method is listed as a way to add cash to the wallet, so the choice comes down to which rail suits the amount.

Do I hold the coins myself?+

No, the wallet is custodial. Mercuryo holds the coins on your behalf, which keeps recovery simple if a device is lost, but it also means the balance depends on the provider.

Which coins can I buy on Mercuryo?+

Mercuryo lists 70 coins. That is a narrower selection than the 71.5 typical of the wallets listed here, so check the list before committing a large sum.

How do I get help if something goes wrong?+

Support runs on email, chat and help centre. The help centre covers common questions on fees and transfers, and chat and email handle the rest. No phone line is listed, so urgent problems depend on written replies.

Who runs Mercuryo and where is it based?+

The listed legal entity is Moneymaple Tech Ltd, headquartered in Canada. The company was founded in 2018 and operates as a custodial exchange rather than a decentralised one, with several regulated entities behind the brand.

Sources

  • help.mercuryo.io/hc/en-gb checked September 26, 2026

    Backs: Support channels

    “Contact Us ... Chat with us ... support@mercuryo.io”

  • help.mercuryo.io/hc/en-gb/articles/14495507432989-What-fe... checked September 26, 2026

    Backs: Taker fee, Withdrawal fee

    “Buying - Up to 5.5%* (Minimum amount of EUR 1); Selling - Up to 3.95%*; Fast Track - Up to 5% additional fee”

  • mercuryo.io checked September 26, 2026

    Backs: Coins listed, Fiat deposit methods, Founded

    “Wide token support - 70+ Cryptocurrencies supported”

  • mercuryo.io/legal/licenses checked September 26, 2026

    Backs: Exchange type, Features, Headquarters, Legal entity, Regulators, Licences

    “Cryptoasset exchange services (fiat-to-crypto and crypto-to-fiat) in the European Economic Area (EEA), where applicable, are provided by Criptan Trade, S.L.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Mercuryo

Mercuryo

A simple custodial crypto wallet with card and bank funding, regulated in Canada, Spain and the UK.

8.8/10See alternatives