Banco PAN vs Lili.
Banco PAN (B75/100) and Lili (L73/100), 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 | L Lili №26 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 73 /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 | Partner-bank FDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.7 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.6 ★ iOS 4.7 · 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 Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
- Best for fees Lili 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 Lili won 2 of 2
Banco PAN vs Lili — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Lili?
Banco PAN and Lili are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Banco PAN 75/100 vs Lili 73/100. The right pick depends on which dimension you weight most heavily.
Is Banco PAN or Lili cheaper?
Monthly fee — Banco PAN: €0; Lili: €0. Card FX markup — Banco PAN: 3.00%; Lili: Interbank. Lili 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 Lili?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Lili?
Banco PAN operates in 1 country; Lili 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.