Journal20 Jan 2026 · 8 min read
Mercury, Airwallex, Qonto, Aspire: pick from the incorporation, not the homepage
US C-corp, APAC trade, French SAS, SEA SME — four products, four home markets, one bad habit of calling them all banks.
If the company is Delaware, Mercury is the opening account. If the company pays suppliers in AUD, CNY, and EUR, Airwallex or Wise Business. If the company is a French SAS, Qonto. If it is a Singapore Pte Ltd with team cards, Aspire.
None of these is your local tax authority
A global account is not a substitute for a statutory local current account where the law requires one. Read the country page.
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