Banco PAN vs Now Money.
Banco PAN (B75/100) and Now Money (N60/100), 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 Now Money 5-1.
| B Banco PAN №21 · BACEN 75 /100 | N Now Money №52 · CBUAE 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 60 /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 | E-money inst. CBUAE |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded AE.DPS |
| 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 | 4.0 ★ iOS 4.0 · And 3.9 |
| 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 Now Money if…
Migrant-worker-focused EMI in the UAE. Built-in remittance to South Asia at competitive FX. CBUAE-supervised EMI; not a bank — funds are safeguarded, not deposit-insured. Fills the underbanked segment that Liv/Wio/Mashreq Neo don't directly serve.
- Best for fees Now Money 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 Now Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco PAN better than Now Money?
Under our v3 methodology, Banco PAN leads Now Money 5–1 across 12 dimensions. Composite scores: Banco PAN 75/100 vs Now Money 60/100. 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 Now Money cheaper?
Monthly fee — Banco PAN: €0; Now Money: €0. Card FX markup — Banco PAN: 3.00%; Now Money: Interbank. Now Money 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 Now Money?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Now Money holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Banco PAN is the stronger pick on regulatory protection.
Where can I use Banco PAN and Now Money?
Banco PAN operates in 1 country; Now Money 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.