bunq vs Banco PAN.
bunq (b87/100) 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. bunq leads Banco PAN 4-3.
| B Banco PAN №21 · BACEN 75 /100 | b bunq №02 · DNB 87 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 87 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank DNB |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €100,000 EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 30 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.2 ★ 22k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | — |
| Read review → | Read review → | |
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.
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
- Best for fees bunq won 1 of 4
- Best for protection Banco PAN won 1 of 2
- Best for reach Tied
- Best for ux Tied
bunq vs Banco PAN — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than bunq?
Under our v3 methodology, bunq leads Banco PAN 4–3 across 12 dimensions. Composite scores: Banco PAN 75/100 vs bunq 87/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco PAN or bunq cheaper?
Monthly fee — Banco PAN: €0; bunq: €0. Card FX markup — Banco PAN: 3.00%; bunq: Interbank. bunq 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 PAN or bunq?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and bunq?
Banco PAN operates in 1 country; bunq operates in 30 countries. 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.