Banco PAN vs Ramp.
Banco PAN (B75/100) and Ramp (R57/100), 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 Ramp 4-2.
| B Banco PAN №21 · BACEN 75 /100 | R Ramp №58 · FDIC 57 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 57 /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 | Payment inst. FDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded US.FDIC |
| 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 | 4.8 ★ 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 Ramp if…
The spend-management platform that closes the loop on policy enforcement at swipe time — Ramp pushes vendor-level savings recommendations into the finance team's workflow as a structural product, not a feature. Charge card + Bill Pay + Procurement + SaaS-spend management in one stack, with the deepest mid-market ERP integration set of any US corporate-card platform.
- Best for fees Ramp 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 Ramp won 1 of 2
Banco PAN vs Ramp — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Ramp?
Under our v3 methodology, Banco PAN leads Ramp 4–2 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Ramp 57/100. 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 Ramp cheaper?
Monthly fee — Banco PAN: €0; Ramp: €0. Card FX markup — Banco PAN: 3.00%; Ramp: Interbank. Ramp 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 Ramp?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Ramp holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Ramp?
Banco PAN operates in 1 country; Ramp 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.