Banco Inter vs Banco PAN.
Banco Inter (B76/100) and Banco PAN (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Banco Inter leads Banco PAN 6-0.
| B Banco Inter №15 · BACEN 76 /100 | B Banco PAN №20 · BACEN 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank BACEN |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
Pick Banco PAN if…
Brazilian full bank, BACEN-licensed since 1969 (digital pivot 2018). BTG Pactual majority owner since 2021. B3-listed. ~28M customers. FGC cover. Adds full-bank diversity to Nubank/Inter/C6 in BR; differentiates by payroll-deductible lending heritage.
- Best for fees Banco Inter won 1 of 4
- Best for protection Tied
- Best for reach Banco Inter won 2 of 3
- Best for ux Banco Inter won 2 of 2
Banco Inter vs Banco PAN — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Banco PAN?
Under our v3 methodology, Banco Inter leads Banco PAN 6–0 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Banco PAN 75/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Banco PAN cheaper?
Monthly fee — Banco Inter: €0; Banco PAN: €0. Card FX markup — Banco Inter: Interbank; Banco PAN: 3.00%. Banco Inter wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Banco PAN?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Both score equally on regulatory protection rows.
Where can I use Banco Inter and Banco PAN?
Banco Inter operates in 2 countries; Banco PAN operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.