Banco Inter vs Penta.
Banco Inter (B76/100) and Penta (P61/100), 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 Inter leads Penta 9-1.
| B Banco Inter №16 · BACEN 76 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Partner-bank BaFin |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
Pick Penta if…
The German SME-focused partner-bank neobank with the deepest DATEV-first workflow in the category. Customer deposits sit at Solaris Bank AG (BaFin-licensed credit institution) with DGS pass-through cover — structurally distinct from EMI-licensed Tide / Finom / Anna / Holvi. The structural fit for German GmbH / UG companies needing DGS-protected operating cash plus DATEV / Lexoffice / sevDesk integration depth without Qonto's freelancer-tier UX baggage.
- Best for fees Banco Inter won 2 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 3 of 3
- Best for ux Tied
Banco Inter vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Penta?
Under our v3 methodology, Banco Inter leads Penta 9–1 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Penta 61/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Penta cheaper?
Monthly fee — Banco Inter: €0; Penta: €9. Card FX markup — Banco Inter: Interbank; Penta: 1.00%. Banco Inter wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Penta?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Penta?
Banco Inter operates in 2 countries; Penta 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.