SoFi vs Banco PAN.
SoFi (S79/100) 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. SoFi leads Banco PAN 4-0.
| B Banco PAN №21 · BACEN 75 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 79 /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 OCC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.7 ★ iOS 4.8 · And 4.6 |
| 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 SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux SoFi won 2 of 2
SoFi 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 SoFi?
Under our v3 methodology, SoFi leads Banco PAN 4–0 across 12 dimensions. Composite scores: Banco PAN 75/100 vs SoFi 79/100. SoFi 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 SoFi cheaper?
Monthly fee — Banco PAN: €0; SoFi: €0. Card FX markup — Banco PAN: 3.00%; SoFi: Interbank. SoFi 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 SoFi?
Banco PAN holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Banco PAN and SoFi?
Banco PAN operates in 1 country; SoFi 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.