Banco PAN vs Holvi.
Banco PAN (B75/100) and Holvi (H55/100), 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 Holvi 6-3.
| B Banco PAN №21 · BACEN 75 /100 | H Holvi №61 · Holvi Payment Services Oy is authorised and regulated by the Finnish Financial Supervisory Authority 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 3.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.0 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.3 ★ iOS 4.5 · And 4.2 |
| 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 Holvi if…
The Finnish + German SMB neobank with the deepest tax-return-ready bookkeeping integration in the Nordic + DACH region. Procountor (FI Steuerberater equivalent) + DATEV / Lexoffice (DE Steuerberater standards) integration depth is the structural differentiator versus Qonto / Finom. EMI-licensed under FIN-FSA; one of the longest-operating EU SMB neobanks (founded 2011, briefly BBVA-owned 2016-2022, now independent).
- Best for fees Tied
- Best for protection Banco PAN won 2 of 2
- Best for reach Tied
- Best for ux Tied
Banco PAN vs Holvi — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Holvi?
Under our v3 methodology, Banco PAN leads Holvi 6–3 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Holvi 55/100. 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 Holvi cheaper?
Monthly fee — Banco PAN: €0; Holvi: €9. Card FX markup — Banco PAN: 3.00%; Holvi: 1.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco PAN or Holvi?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Holvi holds a E-money inst. licence under Holvi Payment Services Oy is authorised and regulated by the Finnish Financial Supervisory Authority (FIN-FSA) as an Electronic Money Institution. Operating in Germany under EU PSD2 passporting. Customer funds are safeguarded under EMI rules — held in segregated accounts at credit institutions — and are NOT covered by the EU Deposit Guarantee Scheme (DGS, €100K ceiling) which applies to credit-institution licensees only. Holvi was acquired by BBVA in 2016 and operated as BBVA's Finnish SMB neobank arm until 2022, when it was sold back to independent ownership. Verified 2026-05.; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Holvi?
Banco PAN operates in 1 country; Holvi 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.