Banco PAN vs Aspire.
Banco PAN (B75/100) and Aspire (A70/100), 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.
| A Aspire №37 · MAS 70 /100 | B Banco PAN №21 · BACEN 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.30% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Full bank BACEN |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 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 Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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.
- Best for fees Aspire won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Tied
- Best for ux Aspire won 2 of 2
Banco PAN vs Aspire — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Banco PAN?
Aspire and Banco PAN are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Aspire 70/100 vs Banco PAN 75/100. The right pick depends on which dimension you weight most heavily.
Is Aspire or Banco PAN cheaper?
Monthly fee — Aspire: €0; Banco PAN: €0. Card FX markup — Aspire: 0.30%; Banco PAN: 3.00%. Aspire 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, Aspire or Banco PAN?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Aspire and Banco PAN?
Aspire operates in 8 countries; Banco PAN 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.