Banco PAN vs Anna.
Banco PAN (B75/100) and Anna (A58/100), 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 Anna 5-3.
| A Anna №57 · FCA 58 /100 | B Banco PAN №21 · BACEN 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | £11 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank BACEN |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Anna if…
The design-led mobile-first UK SMB neobank — Anna positions itself versus Tide as the friendlier UX with a focus on solo founders and freelancers. The Self Assessment + Corporation Tax filing tools are the structural differentiator versus Tide at the UK freelance tier. FCA-authorised EMI — funds safeguarded, NOT FSCS-protected (same structural trade-off as Tide).
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.
- Best for fees Tied
- Best for protection Banco PAN won 2 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Anna won 2 of 2
Banco PAN vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Banco PAN?
Under our v3 methodology, Banco PAN leads Anna 5–3 across 12 dimensions. Composite scores: Anna 58/100 vs Banco PAN 75/100. Banco PAN is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Banco PAN cheaper?
Monthly fee — Anna: £11; Banco PAN: €0. Card FX markup — Anna: Interbank; Banco PAN: 3.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Anna or Banco PAN?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Anna and Banco PAN?
Anna operates in 1 country; Banco PAN 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.