Banco Inter vs Discover Bank.
Banco Inter (B76/100) and Discover Bank (D60/100), 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 Discover Bank 7-1.
| B Banco Inter №16 · BACEN 76 /100 | D Discover Bank №51 · OCC 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 60 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. OCC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded US.FDIC |
| 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 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Discover Bank if…
OCC-chartered direct bank, integrated with the Discover Card network. Famous for zero foreign-transaction fees + 1% cashback debit. Fully FDIC-insured. The card-network-integrated alternative to Ally for travellers + cashback-driven readers.
- Best for fees Tied
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 3 of 3
- Best for ux Tied
Banco Inter vs Discover Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Discover Bank?
Under our v3 methodology, Banco Inter leads Discover Bank 7–1 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Discover Bank 60/100. 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 Discover Bank cheaper?
Monthly fee — Banco Inter: €0; Discover Bank: €0. Card FX markup — Banco Inter: Interbank; Discover Bank: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Discover Bank?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Discover Bank holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Discover Bank?
Banco Inter operates in 2 countries; Discover 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?
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