Banco PAN vs Maya Bank.
Banco PAN (B75/100) and Maya Bank (M50/100), 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 Maya Bank 4-1.
| B Banco PAN №21 · BACEN 75 /100 | M Maya Bank №79 · BSP 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. BSP |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded PH.PDIC |
| 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 | 4.5 ★ iOS 4.5 · 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 Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
- Best for fees Maya Bank won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Tied
Banco PAN vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Maya Bank?
Under our v3 methodology, Banco PAN leads Maya Bank 4–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Maya Bank 50/100. 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 Maya Bank cheaper?
Monthly fee — Banco PAN: €0; Maya Bank: €0. Card FX markup — Banco PAN: 3.00%; Maya Bank: 2.00%. Maya Bank 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 Maya Bank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Maya Bank holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Maya Bank?
Banco PAN operates in 1 country; Maya 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.