SoFi vs Conta Azul.
SoFi (S79/100) and Conta Azul (C45/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. SoFi leads Conta Azul 7-0.
| C Conta Azul №83 · BACEN 45 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €89 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank OCC |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 1 of 4
- Best for protection SoFi won 2 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Conta Azul better than SoFi?
Under our v3 methodology, SoFi leads Conta Azul 7–0 across 12 dimensions. Composite scores: Conta Azul 45/100 vs SoFi 79/100. SoFi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Conta Azul or SoFi cheaper?
Monthly fee — Conta Azul: €89; SoFi: €0. Card FX markup — Conta Azul: Interbank; SoFi: Interbank. SoFi 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, Conta Azul or SoFi?
Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. SoFi is the stronger pick on regulatory protection.
Where can I use Conta Azul and SoFi?
Conta Azul operates in 1 country; SoFi 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.