Banco PAN vs Tide.
Banco PAN (B75/100) and Tide (T70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Banco PAN №21 · BACEN 75 /100 | T Tide №36 · FCA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 70 /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 | Partner-bank FCA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 35k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| 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 Tide if…
The UK SMB-default neobank by member count. Free UK business current account with sort code + Mastercard debit, built-in HMRC tax tools and invoicing, and the deepest UK accountant-integration set (Xero, QuickBooks, Sage, FreeAgent). The product depth (invoicing, VAT estimates, tax-aside automation, accountant access, business-loan partner panel) is the strongest in the UK SMB category. EMI-licensed, not a chartered bank — the structural trade-off versus Starling Business is that Tide funds on the current account are safeguarded under EMI rules, not FSCS-deposit-insured. That is the most-misread structural fact about Tide.
- Best for fees Tide won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Tied
- Best for ux Tide won 2 of 2
Banco PAN vs Tide — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Tide?
Banco PAN and Tide are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Banco PAN 75/100 vs Tide 70/100. The right pick depends on which dimension you weight most heavily.
Is Banco PAN or Tide cheaper?
Monthly fee — Banco PAN: €0; Tide: €0. Card FX markup — Banco PAN: 3.00%; Tide: Interbank. Tide 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 Tide?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Tide?
Banco PAN operates in 1 country; Tide operates in 2 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.