Starling Bank vs Banco PAN.
Starling Bank (S77/100) and Banco PAN (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. Banco PAN leads Starling Bank 3-2.
| B Banco PAN №21 · BACEN 75 /100 | S Starling Bank №12 · FCA 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 77 /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 | Full bank FCA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | £85,000 GB.FSCS |
| 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 | — |
| 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 Starling Bank if…
Pick if you bank in the UK and want a clearing bank for personal + business with no retail crypto, no brokerage.
- Best for fees Starling Bank won 1 of 4
- Best for protection Banco PAN won 1 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Banco PAN won 1 of 2
Starling Bank vs Banco PAN — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Starling Bank?
Under our v3 methodology, Banco PAN leads Starling Bank 3–2 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Starling Bank 77/100. Banco PAN is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco PAN or Starling Bank cheaper?
Monthly fee — Banco PAN: €0; Starling Bank: €0. Card FX markup — Banco PAN: 3.00%; Starling Bank: Interbank. Starling Bank 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 Starling Bank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Starling Bank holds a Full 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 Starling Bank?
Banco PAN operates in 1 country; Starling 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.