The Best Digital Banking Apps in Brazil in 2026
We researched digital banking apps in Brazil using official vendor websites, including pricing pages, plan tables, and product documentation. The rankings focus on the core job of everyday consumer banking, value for money, and verified features for spending, payments, savings, and credit.
Our top picks
-
Top ranked
Nubank#1 of 239.3/10A free mobile account for everyday banking and savings goals, with credit subject to approval.
Free plan
-
Runner-up
BTG Pactual Banking#2 of 239.2/10A free mobile account pairs everyday payments with cards, yield and eligibility-based credit.
Free plan
-
Top-ranked free plan
Banco do Brasil Conta Digital#3 of 239.1/10A free digital account with Pix, banking tools, cards and investments.
Free plan
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The full ranking 23 tools, best first
-
Best forEveryday mobile banking with savings goals
A free mobile account for everyday banking and savings goals, with credit subject to approval.
- Debit card
9.3/10★★★★★Visit Nubank -
Best forPeople seeking an account with credit options
A free mobile account pairs everyday payments with cards, yield and eligibility-based credit.
- Overdraft
- Debit card
9.2/10★★★★★Visit BTG Pactual -
Best forDigital banking plus online account management
A free digital account with Pix, banking tools, cards and investments.
- Overdraft
- Debit card
9.1/10★★★★★Visit site -
Best forMobile and web banking with scheduled payments
A free-to-open everyday account with Pix, scheduled payments and web and mobile access.
- Overdraft
- Debit card
9.0/10★★★★☆Visit Itaú -
Best forBanking with Open Finance aggregation
A full-service Brazilian bank app with Pix, investments and Open Finance links.
- Overdraft
- Debit card
9.0/10★★★★☆Visit Santander -
Best forCore banking with Open Finance data access
A free mobile account for Pix, bill payments, card controls, and Open Finance.
9.0/10★★★★☆Visit CAIXA -
Best forA free account with everyday payments and CDBs
A free Brazilian digital account for Pix, card payments, bills and CDBs.
- Overdraft
- Debit card
8.8/10★★★★☆Visit Banco PAN -
Best forPix banking with savings goals and card controls
A mobile account for Pix, bill payments, card controls and goal-based CDB savings.
- Debit card
8.6/10★★★★☆Visit Banco Bmg -
Best forPayments and a broad investment menu
PagBank pairs everyday Pix payments with savings features and a broad investment menu.
- Debit card
8.5/10★★★★☆Visit PagBank -
Best forInvestment-oriented users seeking a no-use-fee account
A free digital account that pairs Pix and bill payments with a broad investment range.
8.3/10★★★★☆Visit Sofisa Direto -
Best forMobile banking with cardless withdrawals
A mobile Banrisul account for Pix, card controls and BanriSaque withdrawals.
- Debit card
8.2/10★★★★☆Visit Banrisul -
Best forA simple account with Open Finance and 24-hour chat
A straightforward mobile account with Pix, savings options and 24-hour chat.
- Debit card
8.1/10★★★★☆Visit banco BV -
Best forPeople and businesses eligible to join Unicred
Web and mobile banking with Pix, cards and investments, subject to cooperative membership eligibility.
- Debit card
7.9/10★★★★☆Visit Unicred -
Best forA free account with extensive investment options
A free digital account with Pix, cards and a broad range of investment options.
- Overdraft
- Debit card
7.9/10★★★★☆Visit Inter -
Best forEveryday banking with investments and AI tools
A free account pairs everyday banking with Brazil and international investments and an AI assistant.
- Overdraft
- Debit card
7.8/10★★★★☆Visit C6 Bank -
Best forMobile banking with wallets and Open Finance
A free mobile account combining Pix, cards, investments and Open Finance.
- Debit card
7.7/10★★★★☆Visit next -
Best forPix banking with CDB-linked credit options
A free mobile account for Pix, everyday payments and CDB-linked credit.
- Debit card
7.6/10★★★★☆Visit Neon -
Best forSavings goals and fixed-income investing
A mobile account for everyday Pix payments, savings goals and CDB or LCI investing.
- Debit card
7.5/10★★★★☆Visit Banco Bari -
Best forPix banking with payroll-deducted credit
A free mobile account pairs Pix and cards with payroll-deducted credit and CDB access.
- Overdraft
- Debit card
7.4/10★★★★☆Visit Agibank -
Best forA basic digital account with deposits and investments
A free digital account for transfers, payments, deposits, investments, and cards.
- Debit card
7.3/10★★★★☆Visit Banco BS2 -
Best forPix transfers and bill payments with salary portability
A mobile account for everyday Pix, payments and transfers, with yield varying by product.
7.2/10★★★★☆Visit Digio -
Best forPix payments and transfers across channels
PicPay centers on free domestic transfers, with scheduled Pix and web and mobile access.
7.0/10★★★★☆Visit PicPay -
Best forSellers collecting payments through payment links
A practical payment-link service for sellers, not a full digital banking app.
6.0/10★★★☆☆Visit Mercado Pago
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Pix transfers | Debit card | Credit card | Savings options | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | Nubank | Yes | None | Yes | Yes | Yes | Multiple | 9.3 |
| 2 | BTG Pactual Banking | Yes | None | Yes | Yes | Yes | Multiple | 9.2 |
| 3 | Banco do Brasil Conta Digital | Yes | None | Yes | Yes | Yes | Multiple | 9.1 |
| 4 | Conta Corrente Itaú | Yes | — | Yes | Yes | Yes | Multiple | 9.0 |
| 5 | Banco Santander Brasil | Yes | — | Yes | Yes | Yes | Multiple | 9.0 |
| 6 | CAIXA Conta Digital | Yes | None | Yes | — | Yes | — | 9.0 |
| 7 | Banco PAN | Yes | None | Yes | Yes | Yes | Multiple | 8.8 |
| 8 | Banco Bmg | Yes | — | Yes | Yes | Yes | Multiple | 8.6 |
| 9 | PagBank | Yes | None | Yes | Yes | Yes | Multiple | 8.5 |
| 10 | Sofisa Direto | Yes | None | Yes | — | Yes | Multiple | 8.3 |
| 11 | Conta Digital Banrisul | Yes | None | Yes | Yes | Yes | Multiple | 8.2 |
| 12 | banco BV | Yes | None | Yes | Yes | Yes | Fixed_income | 8.1 |
| 13 | Unicred Conta Corrente | Yes | — | Yes | Yes | Yes | Multiple | 7.9 |
| 14 | Inter | Yes | None | Yes | Yes | Yes | Multiple | 7.9 |
| 15 | C6 Bank | Yes | — | Yes | Yes | Yes | Multiple | 7.8 |
| 16 | next | Yes | None | Yes | Yes | Yes | Multiple | 7.7 |
| 17 | Neon | Yes | None | Yes | Yes | Yes | Fixed_income | 7.6 |
| 18 | Banco Bari | Yes | — | Yes | Yes | Yes | Multiple | 7.5 |
| 19 | Agibank | Yes | None | Yes | Yes | Yes | Fixed_income | 7.4 |
| 20 | BS2 Conta Digital | Yes | None | — | Yes | — | Multiple | 7.3 |
| 21 | Digio | Yes | — | Yes | — | Yes | Account_balance | 7.2 |
| 22 | PicPay | Yes | None | — | — | — | — | 7.0 |
| 23 | Mercado Pago Payment Link | Yes | — | — | — | — | — | 6.0 |
Head-to-head All 28 comparisons →
- Nubank vs BTG Pactual Banking
- Nubank vs Banco do Brasil Conta Digital
- Nubank vs Conta Corrente Itaú
- Nubank vs Banco Santander Brasil
- Nubank vs CAIXA Conta Digital
- Nubank vs Banco PAN
- Nubank vs Banco Bmg
- BTG Pactual Banking vs Banco do Brasil Conta Digital
- BTG Pactual Banking vs Conta Corrente Itaú
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How we rank digital banking apps in brazil
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update