Kakao Bank vs Banco Inter.
Kakao Bank (K78/100) and Banco Inter (B76/100), 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 Inter №16 · BACEN 76 /100 | K Kakao Bank №10 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 78 /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 | Full bank KDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €50,000,000 KR.KDIC |
| 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 4.5 |
| 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 Kakao Bank if…
Largest Korean digital bank by user count (~24M). Public on KOSPI since 2021. Deep integration with KakaoTalk messenger — distribution moat. Mini Stock fractional investing is a strong consumer-investing entry point.
- Best for fees Tied
- Best for protection Kakao Bank won 1 of 2
- Best for reach Banco Inter won 2 of 3
- Best for ux Tied
Kakao Bank vs Banco Inter — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Kakao Bank?
Banco Inter and Kakao Bank are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Banco Inter 76/100 vs Kakao Bank 78/100. The right pick depends on which dimension you weight most heavily.
Is Banco Inter or Kakao Bank cheaper?
Monthly fee — Banco Inter: €0; Kakao Bank: €0. Card FX markup — Banco Inter: Interbank; Kakao 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 Kakao Bank?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Kakao Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Kakao Bank is the stronger pick on regulatory protection.
Where can I use Banco Inter and Kakao Bank?
Banco Inter operates in 2 countries; Kakao 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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