Banco PAN vs Tonik.
Banco PAN (B75/100) and Tonik (T53/100), 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 Tonik 4-2.
| B Banco PAN №21 · BACEN 75 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 53 /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 | 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 4.6 · 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 Tonik if…
First holder of one of the 6 BSP digital-bank licences. Headline 6.0% APY on Stash savings is among the highest in PH retail banking — the structural inflation hedge for PHP holders. PDIC-insured, BSP-supervised — fully chartered, not partner-bank.
- Best for fees Tonik 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 Tonik won 1 of 2
Banco PAN vs Tonik — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Tonik?
Under our v3 methodology, Banco PAN leads Tonik 4–2 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Tonik 53/100. 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 Tonik cheaper?
Monthly fee — Banco PAN: €0; Tonik: €0. Card FX markup — Banco PAN: 3.00%; Tonik: Interbank. Tonik 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 Tonik?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Tonik 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 Tonik?
Banco PAN operates in 1 country; Tonik 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.