Banco PAN vs Cora.
Banco PAN (B75/100) and Cora (C51/100), 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 PAN leads Cora 4-2.
| B Banco PAN №21 · BACEN 75 /100 | C Cora №71 · BACEN 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. BACEN |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
- Best for fees Cora won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Cora won 1 of 2
Banco PAN vs Cora — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Cora?
Under our v3 methodology, Banco PAN leads Cora 4–2 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Cora 51/100. Banco PAN 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 Cora cheaper?
Monthly fee — Banco PAN: €0; Cora: €0. Card FX markup — Banco PAN: 3.00%; Cora: 1.50%. Cora 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 Cora?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Cora holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Cora?
Banco PAN operates in 1 country; Cora 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.