Banco Inter vs Up Bank.
Banco Inter (B76/100) and Up Bank (U55/100), 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 Inter leads Up Bank 6-2.
| B Banco Inter №16 · BACEN 76 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. PRA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded AU.FCS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | 4.0 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
Pick Up Bank if…
Australian neobank built on top of Bendigo and Adelaide Bank's APRA-regulated charter — direct FCS AUD 250,000 cover via the parent. Strongest Australian neobank UX for under-35 consumers; budgeting and pay-day forecasting are best-in-class. No FX markup makes it travel-friendly.
- Best for fees Tied
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 3 of 3
- Best for ux Up Bank won 2 of 2
Banco Inter vs Up Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Up Bank?
Under our v3 methodology, Banco Inter leads Up Bank 6–2 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Up Bank 55/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Up Bank cheaper?
Monthly fee — Banco Inter: €0; Up Bank: €0. Card FX markup — Banco Inter: Interbank; Up Bank: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Up Bank?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Up Bank holds a Payment inst. licence under PRA; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Up Bank?
Banco Inter operates in 2 countries; Up 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.