Banco PAN vs C6 Bank.
Banco PAN (B75/100) and C6 Bank (C71/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Banco PAN №20 · BACEN 75 /100 | C C6 Bank №27 · BACEN 71 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 71 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 4.00% |
| 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 | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 2.9 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.5 ★ iOS 4.6 · 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 C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
- Best for fees Banco PAN won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux C6 Bank won 2 of 2
Banco PAN vs C6 Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than C6 Bank?
Banco PAN and C6 Bank are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: Banco PAN 75/100 vs C6 Bank 71/100. The right pick depends on which dimension you weight most heavily.
Is Banco PAN or C6 Bank cheaper?
Monthly fee — Banco PAN: €0; C6 Bank: €0. Card FX markup — Banco PAN: 3.00%; C6 Bank: 4.00%. Banco PAN 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 C6 Bank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. C6 Bank 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 PAN and C6 Bank?
Banco PAN operates in 1 country; C6 Bank 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?
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