Banco Inter vs Discovery Bank.
Banco Inter (B76/100) and Discovery Bank (D45/100), 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 Discovery Bank 8-0.
| B Banco Inter №16 · BACEN 76 /100 | D Discovery Bank №82 · SARB 45 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 45 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €95 /mo |
| FX markup Debit card abroad | Interbank | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. SARB |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.4 |
| 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 Discovery Bank if…
Premium ZA digital-first bank backed by JSE-listed Discovery Group. SARB full-bank licence since 2019. Vitality Money behavioural-banking model — your rates and rewards rise with healthy financial behaviour, integrated with Discovery Health/Life. CODI cover. The only ZA digital bank with a serious premium-tier offering (Black tier with metal card, lounges, Vitality Travel).
- Best for fees Banco Inter won 2 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 2 of 3
- Best for ux Banco Inter won 1 of 2
Banco Inter vs Discovery Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Discovery Bank?
Under our v3 methodology, Banco Inter leads Discovery Bank 8–0 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Discovery Bank 45/100. 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 Discovery Bank cheaper?
Monthly fee — Banco Inter: €0; Discovery Bank: €95. Card FX markup — Banco Inter: Interbank; Discovery Bank: 1.50%. Banco Inter wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Discovery Bank?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Discovery Bank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Discovery Bank?
Banco Inter operates in 2 countries; Discovery 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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