Banco PAN vs ila Bank.
Banco PAN (B75/100) and ila Bank (i50/100), 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 ila Bank 5-1.
| B Banco PAN №21 · BACEN 75 /100 | i ila Bank №74 · ila Bank is the digital retail brand of Bank of Bahrain and Kuwait 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded BH.DCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.2 ★ iOS 4.3 · And 4.1 |
| 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 ila Bank if…
Digital retail brand of Bank of Bahrain and Kuwait (BBK B.S.C., Bahrain Bourse: BBK) — one of the GCC's oldest commercial banks (founded 1971). Launched November 2019 as Bahrain's first fully-digital retail bank. CBB Conventional Retail Bank licence sits at the BBK parent; ila is a brand inside that charter, not a separately licensed entity. Bahrain DPS cover BHD 20,000 per depositor flows via the parent licence under CBB Rulebook Volume 6. Conventional banking; for Sharia products from the same group, see KFH Bahrain (separately licensed Islamic bank).
- Best for fees ila Bank won 1 of 4
- Best for protection Banco PAN won 2 of 2
- Best for reach Banco PAN won 1 of 3
- Best for ux Banco PAN won 1 of 2
Banco PAN vs ila Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than ila Bank?
Under our v3 methodology, Banco PAN leads ila Bank 5–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs ila Bank 50/100. Banco PAN is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco PAN or ila Bank cheaper?
Monthly fee — Banco PAN: €0; ila Bank: €0. Card FX markup — Banco PAN: 3.00%; ila Bank: 1.50%. ila Bank 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 ila Bank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. ila Bank holds a Payment inst. licence under ila Bank is the digital retail brand of Bank of Bahrain and Kuwait (BBK B.S.C.) — CBB Conventional Retail Bank licence held at the BBK parent. CBB Rulebook Volume 6 Deposit Protection Scheme cover up to BHD 20,000 per depositor per institution; ila and BBK aggregate against one ceiling because they are the same legal entity. Verify the current DPS ceiling on cbb.gov.bh.; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and ila Bank?
Banco PAN operates in 1 country; ila Bank 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.