Banco PAN vs Chime.
Banco PAN (B75/100) and Chime (C74/100), 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 Chime №23 · FDIC 74 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 74 /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 | — | 4.0 ★ 25k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
- Best for fees Chime 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 Chime won 2 of 2
Banco PAN vs Chime — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Chime?
Banco PAN and Chime are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Banco PAN 75/100 vs Chime 74/100. The right pick depends on which dimension you weight most heavily.
Is Banco PAN or Chime cheaper?
Monthly fee — Banco PAN: €0; Chime: €0. Card FX markup — Banco PAN: 3.00%; Chime: Interbank. Chime 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 Chime?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Chime 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 Chime?
Banco PAN operates in 1 country; Chime 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.