Banco PAN vs Meem.
Banco PAN (B75/100) and Meem (M74/100), 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 Meem 3-1.
| B Banco PAN №21 · BACEN 75 /100 | M Meem №24 · SAMA 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% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank SAMA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.1 ★ iOS 4.2 · And 4.0 |
| 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 Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
- Best for fees Meem won 1 of 4
- Best for protection Banco PAN won 1 of 2
- Best for reach Tied
- Best for ux Banco PAN won 1 of 2
Banco PAN vs Meem — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Meem?
Under our v3 methodology, Banco PAN leads Meem 3–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Meem 74/100. 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 Meem cheaper?
Monthly fee — Banco PAN: €0; Meem: €0. Card FX markup — Banco PAN: 3.00%; Meem: 2.00%. Meem 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 Meem?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Meem?
Banco PAN operates in 1 country; Meem 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.