Banco PAN vs Klar.
Banco PAN (B75/100) and Klar (K50/100), 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 Klar 5-1.
| B Banco PAN №20 · BACEN 75 /100 | K Klar №61 · CNBV 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. CNBV |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded MX.IPAB |
| 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 | 4.3 ★ iOS 4.4 · And 4.3 |
| 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 Klar if…
Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment. SOFIPOs have limited IPAB cover compared to full banks (instituciones de banca múltiple).
- Best for fees Klar 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 Banco PAN won 1 of 2
Banco PAN vs Klar — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Klar?
Under our v3 methodology, Banco PAN leads Klar 5–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Klar 50/100. 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 Klar cheaper?
Monthly fee — Banco PAN: €0; Klar: €0. Card FX markup — Banco PAN: 3.00%; Klar: 2.00%. Klar 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 Klar?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Klar holds a Payment inst. licence under CNBV; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Klar?
Banco PAN operates in 1 country; Klar 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.