Banco PAN vs AngelList Stack.
Banco PAN (B75/100) and AngelList Stack (A66/100), 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 AngelList Stack 4-1.
| A AngelList Stack №44 · FDIC 66 /100 | B Banco PAN №21 · BACEN 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank BACEN |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
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.
- Best for fees AngelList Stack won 1 of 4
- Best for protection Banco PAN won 1 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Banco PAN won 1 of 2
Banco PAN vs AngelList Stack — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Banco PAN?
Under our v3 methodology, Banco PAN leads AngelList Stack 4–1 across 12 dimensions. Composite scores: AngelList Stack 66/100 vs Banco PAN 75/100. Banco PAN is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is AngelList Stack or Banco PAN cheaper?
Monthly fee — AngelList Stack: $0; Banco PAN: €0. Card FX markup — AngelList Stack: Interbank; Banco PAN: 3.00%. AngelList Stack 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, AngelList Stack or Banco PAN?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Banco PAN is the stronger pick on regulatory protection.
Where can I use AngelList Stack and Banco PAN?
AngelList Stack operates in 1 country; Banco PAN 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.