Merchant.

Went without banker for ages and don’t use as much as merchant. The ability to get the merchant when doing pledges is fab as then don’t have to leave.

If you have ESO+, probably banker, otherwise merchant because bank space is super low so it’s easier to toss stuff than move it around

I dont find either to be particularly worth the price. I dont find myself playing long enough or collecting enough crap to need to go back to town multiple times during a session. Nor do i tend to do activities in which i cannot stop and go back to town and return if i do happen to get full.

I typically have over 100 slots of free space and up to 150 when i leave town. I have the craft bag as well. If i really needed space and there was nothing i wanted to get rid of and i couldnt get back to town, i would just mail items to my other account for 10 gold and then retrieve them later either through trade or my guild bank.


However, the banker might become more viable later when i get more into housing as having direct access to the bank in my house would be beneficial. Overall, if i was going to buy one , excluding this reason, i would still pick the banker and use it as extra inventory space until i got back to town.

I dont find the vendor to be that useful even in town because i vendor less than 10% of my inventory typically. Whereas most of my inventory is bankable including the vendor items.

Early game, merchant. Because you are likely to not have a lot of space in your bank anyway and will end up getting rid of stuff -- assuming you don't mail it to a friend who has ESO+ and let them absorb it into their crafting bag.
There's no Mailbox Assistant because, magically, you can Fedex stuff anywhere anytime through the mail interface. Even in Cyrodiil.