Sony Bank vs Conta Azul.
Sony Bank (S77/100) and Conta Azul (C45/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Sony Bank leads Conta Azul 5-2.
| C Conta Azul №82 · BACEN 45 /100 | S Sony Bank №15 · JFSA 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €89 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | 0.15% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank JFSA |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €10,000,000 JP.DICJ |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
Pick Sony Bank if…
Japan's longest-running internet-only bank (operational since June 2001) — predates Rakuten Bank's eBank acquisition and tied with SBI Sumishin for first-net-bank tenure. The structural specificity is multi-currency forex strength: foreign-currency deposit accounts in 12+ currencies plus retail FX margin trading, the deepest retail-FX product among Japanese chartered net banks. Wholly-owned subsidiary of Sony Financial Group, in turn part of Sony Group Corporation (TYO: 6758). Sony Bank ≠ Sony Pay / Sony Mobile Wallet — the bank holds a full Banking Act licence, the wallet brands do not.
- Best for fees Tied
- Best for protection Sony Bank won 2 of 2
- Best for reach Sony Bank won 1 of 3
- Best for ux Conta Azul won 1 of 2
Sony Bank vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Conta Azul better than Sony Bank?
Under our v3 methodology, Sony Bank leads Conta Azul 5–2 across 12 dimensions. Composite scores: Conta Azul 45/100 vs Sony Bank 77/100. Sony Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Conta Azul or Sony Bank cheaper?
Monthly fee — Conta Azul: €89; Sony Bank: €0. Card FX markup — Conta Azul: Interbank; Sony Bank: 0.15%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Conta Azul or Sony Bank?
Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Sony Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: €10,000,000. Sony Bank is the stronger pick on regulatory protection.
Where can I use Conta Azul and Sony Bank?
Conta Azul operates in 1 country; Sony Bank 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.