Banco PAN vs Opay.
Banco PAN (B75/100) and Opay (O58/100), 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 | O Opay №54 · CBN 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 58 /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 | E-money inst. CBN |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 5 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 1.5 ★ 5k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.5 ★ iOS 4.4 · And 4.5 |
| 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 Opay if…
Largest Nigerian mobile-money + neobank hybrid by user count (~50M+). Saudi Aramco-affiliated investor backed. OBank subsidiary holds the bank licence; OPay wallet sits on top. Aggressive cross-EM expansion (Egypt, Pakistan announced). The Nigerian mobile-money rail leader.
- Best for fees Opay won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Opay won 1 of 3
- Best for ux Opay won 1 of 2
Banco PAN vs Opay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Opay?
Banco PAN and Opay are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Banco PAN 75/100 vs Opay 58/100. The right pick depends on which dimension you weight most heavily.
Is Banco PAN or Opay cheaper?
Monthly fee — Banco PAN: €0; Opay: €0. Card FX markup — Banco PAN: 3.00%; Opay: Interbank. Opay 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 Opay?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Opay holds a E-money inst. licence under CBN; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Opay?
Banco PAN operates in 1 country; Opay operates in 5 countries. 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.