Head-to-head · Digital Banking Apps in Brazil
Banco PAN vs Banco Bmg
Banco PAN leads on 1 check, Banco Bmg on 0, and 4 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 PAN · 8.8/10
- Free planboth
- Most featuresBanco PAN · 4 of 4
Banco PAN scores higher on our rubric for digital banking apps in brazil: 8.8 against 8.6 out of 10; our editors rank them #7 and #8.
Banco PAN offers overdraft; Banco Bmg doesn't publish it.
Banco PAN is the better fit for A free account with everyday payments and CDBs. Banco Bmg is the better fit for pix banking with savings goals and card controls.
- Banco PAN fits best
A free account with everyday payments and CDBs
- Banco Bmg fits best
Pix banking with savings goals and card controls
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.
Side by side
| Feature | Banco PAN 8.8/10 Visit ↗ | Banco Bmg 8.6/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.8 | 8.6 |
| Ranking | #7 in Digital Banking Apps in Brazil | #8 in Digital Banking Apps in Brazil |
| Best for | A free account with everyday payments and CDBs | Pix banking with savings goals and card controls |
| Pricing model | Free | Free plan + paid |
| Starting price | Not published | Not published |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Mobile | Mobile |
| Platforms | Android, iOS | Android, iOS |
| Support | Live chat, Email | Live chat, Phone · 24/7 |
| Built for | Solo, Small business | Solo, Small business |
| Features Banco PAN 4/4 · Banco Bmg 3/4 | ||
| Pix transfers | ✓ | ✓ |
| Debit card | ✓ | ✓ |
| Credit card | ✓ | ✓ |
| Overdraft | ✓ (best) | Not published |
| Specs | ||
| Savings options | Multiple | Multiple |
| Mobile platforms | Both | Both |
| Our review | ||
| Pros |
|
|
| Cons |
|
|
| Our verdict | 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 → |
Banco Bmg is a digital bank account managed through an Android or iOS app, suited to people in Brazil who want Pix, everyday payments, card controls and savings goals in one place. The app supports balance and statement viewing, bill,… Read the review → |
Strengths and trade-offs
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
Banco Bmg — where it wins
- Pix transfers and payments, plus bill and boleto payments
- Cofrinho savings goals with recurring deposits and CDB returns
- Manage card requests and lock or unlock cards in the app
Where it doesn't
- Paid service-package prices are not clear from the listed plan details
- Essencial charges by use for some services
- Credit products and card approval depend on eligibility and terms
- Banco PAN8.8/10 · Free plan
A free Brazilian digital account for Pix, card payments, bills and CDBs.
Visit Banco PANFull verdict → - Banco Bmg8.6/10 · Free plan
A mobile account for Pix, bill payments, card controls and goal-based CDB savings.
Visit Banco BmgFull verdict →
More comparisons
- Nubank vs Banco PAN
- Nubank vs Banco Bmg
- BTG Pactual Banking vs Banco PAN
- BTG Pactual Banking vs Banco Bmg
- Banco do Brasil Conta Digital vs Banco PAN
- Banco do Brasil Conta Digital vs Banco Bmg
- Conta Corrente Itaú vs Banco PAN
- Conta Corrente Itaú vs Banco Bmg
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