Kakao Bank vs Banco PAN.
Kakao Bank (K78/100) 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. Kakao Bank leads Banco PAN 4-0.
| B Banco PAN №21 · BACEN 75 /100 | K Kakao Bank №10 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 78 /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 KDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €50,000,000 KR.KDIC |
| 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 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Kakao Bank if…
Largest Korean digital bank by user count (~24M). Public on KOSPI since 2021. Deep integration with KakaoTalk messenger — distribution moat. Mini Stock fractional investing is a strong consumer-investing entry point.
- Best for fees Kakao Bank won 1 of 4
- Best for protection Kakao Bank won 1 of 2
- Best for reach Tied
- Best for ux Kakao Bank won 1 of 2
Kakao Bank 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 Kakao Bank?
Under our v3 methodology, Kakao Bank leads Banco PAN 4–0 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Kakao Bank 78/100. Kakao Bank 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 Kakao Bank cheaper?
Monthly fee — Banco PAN: €0; Kakao Bank: €0. Card FX markup — Banco PAN: 3.00%; Kakao Bank: Interbank. Kakao 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 Kakao Bank?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Kakao Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Kakao Bank is the stronger pick on regulatory protection.
Where can I use Banco PAN and Kakao Bank?
Banco PAN operates in 1 country; Kakao 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.