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Head-to-head · Digital Banking Apps in Brazil

Banco do Brasil Conta Digital vs Banco PAN

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score Banco do Brasil Conta Digital #3 in Digital Banking Apps in Brazil 9.1/10 Free plan Free plan✓ 4 of 4 features Visit site
Banco PAN #7 in Digital Banking Apps in Brazil 8.8/10 Free plan Free plan✓ 4 of 4 features Visit Banco PAN

Banco do Brasil Conta Digital leads on 0 checks, Banco PAN on 0, and 5 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreBanco do Brasil Conta Digital · 9.1/10
  • Free planboth

Banco do Brasil Conta Digital scores higher on our rubric for digital banking apps in brazil: 9.1 against 8.8 out of 10; our editors rank them #3 and #7.

Banco do Brasil Conta Digital is the better fit for digital banking plus online account management. Banco PAN is the better fit for A free account with everyday payments and CDBs.

  • Banco do Brasil Conta Digital fits best

    Digital banking plus online account management

  • Banco PAN fits best

    A free account with everyday payments and CDBs

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature Banco do Brasil Conta Digital 9.1/10 Visit ↗ Banco PAN 8.8/10 Visit ↗
At a glance
Editor score 9.1 8.8
Ranking #3 in Digital Banking Apps in Brazil #7 in Digital Banking Apps in Brazil
Best for Digital banking plus online account management A free account with everyday payments and CDBs
Pricing model Free Free
Starting price Not published Not published
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Mobile
Platforms Web, iOS, Android Android, iOS
Support Phone, Live chat Live chat, Email
Built for Solo Solo, Small business
Features Banco do Brasil Conta Digital 4/4 · Banco PAN 4/4
Pix transfers ✓ ✓
Debit card ✓ ✓
Credit card ✓ ✓
Overdraft ✓ ✓
Specs
Savings options Multiple Multiple
Mobile platforms Both Both
Our review
Pros
  • Open a personal account digitally through App BB
  • Manage Pix, bill payments, transfers and statements in one place
  • Access savings, investments, budgeting tools and online banking
  • No monthly package fee for the personal digital account
  • Pix, debit and credit card options, with credit subject to analysis
  • CDBs, bill payments, mobile top-ups and vehicle payments in one app
Cons
  • Optional service packages and transactions beyond included allowances may cost extra
  • Credit card access is subject to approval
  • The Conta Fácil option is closed to new customers
  • Credit card availability depends on credit analysis
  • Some transaction limits and terms apply
  • Access is mobile-only on Android and iOS
Our verdict

Banco do Brasil Conta Digital brings personal account opening and day-to-day banking into App BB, with access through mobile and online banking. It suits people who want Pix, payments, transfers and account records alongside savings and…

Read the review →

Banco PAN is a Brazilian personal banking service managed through a mobile app, with a digital account for everyday payments and access to investments. It fits people looking for a no-monthly-package-fee account with Pix, a debit card,…

Read the review →
  1. Banco do Brasil Conta DigitalDigital Banking Apps in Brazil 9.1Free plan
  2. Banco PANDigital Banking Apps in Brazil 8.8Free plan

Strengths and trade-offs

  • Banco do Brasil Conta Digital — where it wins

    • Open a personal account digitally through App BB
    • Manage Pix, bill payments, transfers and statements in one place
    • Access savings, investments, budgeting tools and online banking

    Where it doesn't

    • Optional service packages and transactions beyond included allowances may cost extra
    • Credit card access is subject to approval
    • The Conta Fácil option is closed to new customers

  • Banco PAN — where it wins

    • No monthly package fee for the personal digital account
    • Pix, debit and credit card options, with credit subject to analysis
    • CDBs, bill payments, mobile top-ups and vehicle payments in one app

    Where it doesn't

    • Credit card availability depends on credit analysis
    • Some transaction limits and terms apply
    • Access is mobile-only on Android and iOS

More comparisons

All digital banking apps in brazil comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update