Banco PAN vs Cash App.
Banco PAN (B75/100) and Cash App (C70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cash App leads Banco PAN 5-2.
| B Banco PAN №21 · BACEN 75 /100 | C Cash App №31 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 70 /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 | Partner-bank FDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | 1 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 1.6 ★ 50k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
- Best for fees Cash App won 1 of 4
- Best for protection Banco PAN won 1 of 2
- Best for reach Cash App won 2 of 3
- Best for ux Cash App won 2 of 2
Banco PAN vs Cash App — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Cash App?
Under our v3 methodology, Cash App leads Banco PAN 5–2 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Cash App 70/100. Cash App 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 Cash App cheaper?
Monthly fee — Banco PAN: €0; Cash App: €0. Card FX markup — Banco PAN: 3.00%; Cash App: Interbank. Cash App 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 Cash App?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Cash App?
Banco PAN operates in 1 country; Cash App operates in 2 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.