Banco Inter vs Bank Zero.
Banco Inter (B76/100) and Bank Zero (B50/100), 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 Bank Zero 9-0.
| B Banco Inter №16 · BACEN 76 /100 | B Bank Zero №75 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. SARB |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded ZA.CODI |
| 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 | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.4 |
| 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 Bank Zero if…
South Africa's first fully-digital mutual bank — SARB-licensed since 2018, operationally live since 2021. Founded by ex-FNB executives (Yatin Narsai, Michael Jordaan). Owner-operator model: no shareholders, profits flow back to depositors via lower fees and competitive sub-account interest. The fee-free counterpart to Discovery Bank's premium tier-based model.
- Best for fees Banco Inter won 1 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 3 of 3
- Best for ux Banco Inter won 2 of 2
Banco Inter vs Bank Zero — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Bank Zero?
Under our v3 methodology, Banco Inter leads Bank Zero 9–0 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Bank Zero 50/100. 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 Bank Zero cheaper?
Monthly fee — Banco Inter: €0; Bank Zero: €0. Card FX markup — Banco Inter: Interbank; Bank Zero: 2.00%. Banco Inter 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 Inter or Bank Zero?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Bank Zero holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Bank Zero?
Banco Inter operates in 2 countries; Bank Zero 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.