Banco PAN vs Chipper Cash.
Banco PAN (B75/100) and Chipper Cash (C62/100), 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.
| B Banco PAN №21 · BACEN 75 /100 | C Chipper Cash №48 · FCA 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. FCA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 9 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.5 ★ iOS 4.4 · 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 Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
- Best for fees Chipper Cash won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Chipper Cash won 2 of 3
- Best for ux Tied
Banco PAN vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Chipper Cash?
Banco PAN and Chipper Cash are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Banco PAN 75/100 vs Chipper Cash 62/100. The right pick depends on which dimension you weight most heavily.
Is Banco PAN or Chipper Cash cheaper?
Monthly fee — Banco PAN: €0; Chipper Cash: €0. Card FX markup — Banco PAN: 3.00%; Chipper Cash: 1.00%. Chipper Cash 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 Chipper Cash?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Chipper Cash?
Banco PAN operates in 1 country; Chipper Cash operates in 9 countries. 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.