Banco PAN vs Bank Jago.
Banco PAN (B75/100) and Bank Jago (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Bank Jago leads Banco PAN 3-1.
| B Banco PAN №21 · BACEN 75 /100 | B Bank Jago №22 · Full Indonesian banking licence 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €2,000,000,000 ID.LPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
- Best for fees Bank Jago won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Bank Jago won 1 of 2
Banco PAN vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Bank Jago?
Under our v3 methodology, Bank Jago leads Banco PAN 3–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Bank Jago 75/100. Bank Jago is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco PAN or Bank Jago cheaper?
Monthly fee — Banco PAN: €0; Bank Jago: €0. Card FX markup — Banco PAN: 3.00%; Bank Jago: 2.00%. Bank Jago 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 Bank Jago?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Banco PAN and Bank Jago?
Banco PAN operates in 1 country; Bank Jago 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.