Zand vs Banco PAN.
Zand (Z77/100) 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. Zand leads Banco PAN 2-1.
| B Banco PAN №21 · BACEN 75 /100 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 77 /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 | Full bank CBUAE |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €250,000 AE.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 | 4.2 ★ iOS 4.3 · 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 Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Zand won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Banco PAN won 1 of 2
Zand 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 Zand?
Under our v3 methodology, Zand leads Banco PAN 2–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Zand 77/100. Zand 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 Zand cheaper?
Monthly fee — Banco PAN: €0; Zand: €0. Card FX markup — Banco PAN: 3.00%; Zand: Interbank. Zand 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 Zand?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Both score equally on regulatory protection rows.
Where can I use Banco PAN and Zand?
Banco PAN operates in 1 country; Zand 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.