Banco PAN vs Nubank.
Banco PAN (B75/100) and Nubank (N72/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Nubank leads Banco PAN 4-2.
| B Banco PAN №20 · BACEN 75 /100 | N Nubank №25 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 72 /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 | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.8 ★ iOS 4.9 · And 4.8 |
| 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 Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Banco PAN won 1 of 4
- Best for protection Tied
- Best for reach Nubank won 2 of 3
- Best for ux Nubank won 2 of 2
Banco PAN vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Nubank?
Under our v3 methodology, Nubank leads Banco PAN 4–2 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Nubank 72/100. Nubank 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 Nubank cheaper?
Monthly fee — Banco PAN: €0; Nubank: €0. Card FX markup — Banco PAN: 3.00%; Nubank: 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 Nubank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Nubank 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 Nubank?
Banco PAN operates in 1 country; Nubank operates in 3 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.