WeBank vs Banco PAN.
WeBank (W76/100) and Banco PAN (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. WeBank leads Banco PAN 4-0.
| B Banco PAN №21 · BACEN 75 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank CBI |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €500,000 CN.PBoC-DIS |
| 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 | 4.5 ★ 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees WeBank won 1 of 4
- Best for protection WeBank won 1 of 2
- Best for reach Tied
- Best for ux WeBank won 1 of 2
WeBank vs Banco PAN — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than WeBank?
Under our v3 methodology, WeBank leads Banco PAN 4–0 across 12 dimensions. Composite scores: Banco PAN 75/100 vs WeBank 76/100. WeBank 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 WeBank cheaper?
Monthly fee — Banco PAN: €0; WeBank: €0. Card FX markup — Banco PAN: 3.00%; WeBank: 1.00%. WeBank 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 WeBank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Banco PAN and WeBank?
Banco PAN operates in 1 country; WeBank 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.