No eso+? banker for sure. Especially with deconning gear etc.

Merchant since my inventory and bank are almost always nearly full.. and I would probably advice people to select merchant if they are not swapping gear between characters on a regular basis. And I’d go with the banker first if I mainly played trials/dungeons with several characters sharing the same gear. Currently I have both but tbh I mainly use the banker to deposit recipes and furniture patterns to the bank to become consumed by another character.. 😂 and sometimes to send some gear to another character if for example my tank obtains some healer gear from dungeons or my healer finds dps gear.. the merchant on the other hand is my “oh no my inventory is full again and I’m in the middle of the dungeon” saviour.