Banco PAN vs Conta Azul.
Banco PAN (B75/100) and Conta Azul (C45/100), 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 Conta Azul 6-1.
| B Banco PAN №21 · BACEN 75 /100 | C Conta Azul №83 · BACEN 45 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 45 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €89 /mo |
| 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 | Payment inst. BACEN |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded BR.FGC |
| 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 | 4.3 ★ iOS 4.4 · And 4.2 |
| 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 Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
- Best for fees Tied
- Best for protection Banco PAN won 2 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Banco PAN won 1 of 2
Banco PAN vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Conta Azul?
Under our v3 methodology, Banco PAN leads Conta Azul 6–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Conta Azul 45/100. 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 Conta Azul cheaper?
Monthly fee — Banco PAN: €0; Conta Azul: €89. Card FX markup — Banco PAN: 3.00%; Conta Azul: 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 PAN or Conta Azul?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Conta Azul?
Banco PAN operates in 1 country; Conta Azul 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.