Comparison

Cyclos vs Mercury | Bank Differently

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cyclos

This app connects to your organization's banking services, enabling mobile payments, account management, and e-commerce features. It offers secure transactions, contact management, and a marketplace for shopping and vouchers.

Highlights
  • Mobile payments
  • Account balance and history
  • Contact management
  • Marketplace and shopping cart
  • Voucher management
  • Receive payments via NFC/QR
  • Fingerprint authentication
Features
Read full description

Cyclos is online banking software with additional modules such as e-commerce and communication tools. Cyclos has been made available by the NGO STRO (Social Trade Organization). If your organization uses Cyclos and has mobile banking enabled you can use this app to connect to the banking services provided by your organization. Features: - Easy payments - Check your account balance - Check your payment history - Manage your contacts - View profile of other users - Register new user - Fingerprint authentication - Marketplace & shopping cart - View nearby businesses on Map - Buy and redeem Vouchers (with camera / QR code) - Receive payments (POS), using NFC card, QR code (camera), card number, and other identification methods - Send payment request to other channels (whatsapp, email) - Print payment receipts - Read announcements through mobile pages - Create your own custom operations - Customize logo, fixed URL, layout (white-label) How does it work? The first time you start the mobile app you will have to enter the URL of your organization. After selecting the `Submit` button you can login with your user name and password. If you just want to test the mobile app you can connect to the Cyclos demo site. This can be done by entering the URL demo.cyclos.org at the setting page (gear wheel icon at the top right) and logging in with an existing Cyclos demo user account. If you do not have a demo account you can register one at the Cyclos site (https://demo.cyclos.org). You can also use the pre registered demo user account (user: demo1 password: 1234) to login directly with the mobile app. www.cyclos.org/mobilebanking www.socialtrade.org

About

Mercury | Bank Differently

This app offers business and personal banking solutions designed for optimization. It provides features like payment options, credit cards, expense management, and AI-powered financial assistance. It aims to help entrepreneurs and ambitious individuals manage their finances efficiently.

Highlights
  • Business banking solutions
  • Personal finance management
  • AI-powered financial assistance
  • Credit cards and payment options
  • Expense and bill management
  • High-yield savings accounts
Features
Read full description

Mercury offers radically different banking* designed to optimize your business and personal finances. Mercury business banking comes complete with free payment options, credit cards,** expense management, invoicing, bill pay, accounting automations, and more. All in one place, all entirely online. Plus, Command – built-in Al that handles financial work for you. Loved by over 300K entrepreneurs, Mercury for business enables companies to handle their financial work like seasoned pros, so they can be sure every dollar is doing exactly what it should. Plus, you can access up to $5M in FDIC coverage* through our partner banks and their sweep networks. Mercury Personal* is designed to help ambitious people level up their personal finances with the same great Ul and powerful features. It comes loaded with high-yield savings accounts, unlimited USD wires, a joint account, and more -all for one annual subscription fee of $240. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more at mercury.com. **The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.

Screenshots

Cyclos4 screens
Mercury | Bank Differently4 screens

Verdict

The call

Cyclos and Mercury | Bank Differently both sit at 5.0 stars, but that hides the real split: 64% of Mercury | Bank Differently's written reviews are positive against 33% of Cyclos's. Mercury | Bank Differently also leads on update cadence (weekly vs every 2 months) and ratings volume (14K vs 1). Cyclos's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 18.0). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Cyclos against 4.9 for Mercury | Bank Differently. That said, the two scores are not equally well evidenced: Mercury | Bank Differently has 14K ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 33% of Cyclos's written reviews are positive against 64% of Mercury | Bank Differently's.

UpkeepUpdate frequency

Cyclos ships an update every 2 months, Mercury | Bank Differently weekly. The most recent releases landed on November 1, 2026 and November 13, 2026 respectively.

Scorecard5 real differences · 5 level
Cyclos versus Mercury | Bank Differently: the parameters behind the verdict, then further details
ParameterCyclosMercury | Bank Differently
PriceFreeFree
Rating5.0 (1 ratings) — better4.9 (14K ratings)
Positive reviews33.3% of reviews64.1% of reviews — better
Number of ratings114K — better
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better18.0
Further details — not scored
Size14 MB148 MB
Age rating4+4+
DeveloperCyclosMercury Technologies, Inc.

Customer experience

Cyclos

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Mercury | Bank Differently

All ratings13,782 ratings
Positive97.2%
Neutral0.6%
Negative2.1%
Written reviews345 reviews
Positive64.1%
Neutral3.8%
Negative32.2%

Bugs and requests

Cyclos

Not enough reviews yet to summarise bugs or requests.

Mercury | Bank Differently

Reported bugs

4 issues
  • Debit cards randomly stop working
  • Verification process often fails without explanation
  • Funds get held up between linked accounts
  • Inability to link external bank accounts

Requested features

5 requests
  • Add phone support and live chat
  • Reduce check deposit time
  • Increase transfer limits
  • Implement dark mode and customizable themes
  • Provide more detailed account and transaction information

In-app purchases

None

Cyclos

No in-app purchases

None

Mercury | Bank Differently

No in-app purchases

Questions

Is Cyclos free?
Cyclos is free to download, with no in-app purchases.
Is Mercury | Bank Differently free?
Mercury | Bank Differently is free to download, with no in-app purchases.
Which has better reviews, Cyclos or Mercury | Bank Differently?
Cyclos is rated higher. Cyclos averages 5.0 out of 5 from 1 ratings, while Mercury | Bank Differently averages 4.9 from 14K ratings.
Do Cyclos or Mercury | Bank Differently have ads?
Neither Cyclos nor Mercury | Bank Differently shows ads.
Which is updated more often, Cyclos or Mercury | Bank Differently?
Cyclos ships an update every 2 months, and Mercury | Bank Differently weekly. Most recently, Cyclos was updated on November 1, 2026 and Mercury | Bank Differently on November 13, 2026.

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