Head-to-head · Digital Banking Apps in Brazil
BTG Pactual Banking vs Banco Santander Brasil
BTG Pactual Banking leads on 0 checks, Banco Santander Brasil 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 scoreBTG Pactual Banking · 9.2/10
- Free planboth
BTG Pactual Banking scores higher on our rubric for digital banking apps in brazil: 9.2 against 9.0 out of 10; our editors rank them #2 and #5.
BTG Pactual Banking is the better fit for people seeking an account with credit options. Banco Santander Brasil is the better fit for banking with Open Finance aggregation.
- BTG Pactual Banking fits best
People seeking an account with credit options
- Banco Santander Brasil fits best
Banking with Open Finance aggregation
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Side by side
| Feature | BTG Pactual Banking 9.2/10 Visit ↗ | Banco Santander Brasil 9.0/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.2 | 9.0 |
| Ranking | #2 in Digital Banking Apps in Brazil | #5 in Digital Banking Apps in Brazil |
| Best for | People seeking an account with credit options | Banking with Open Finance aggregation |
| Pricing model | Free | Free plan + paid |
| Starting price | Not published | Not published |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Mobile | Cloud, Mobile |
| Platforms | Android, iOS | Web, Android, iOS |
| Support | Email, Phone, Live chat | Live chat, Phone, Docs |
| Built for | Solo | Solo, Small business, Mid-market, Enterprise |
| Features BTG Pactual Banking 4/4 · Banco Santander Brasil 4/4 | ||
| Pix transfers | ✓ | ✓ |
| Debit card | ✓ | ✓ |
| Credit card | ✓ | ✓ |
| Overdraft | ✓ | ✓ |
| Specs | ||
| Savings options | Multiple | Multiple |
| Mobile platforms | Both | Both |
| Our review | ||
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| Cons |
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| Our verdict | BTG Pactual Banking is a mobile digital banking service for individual customers in Brazil, available on Android and iOS. It brings everyday account tasks—Pix transfers, bill payments and mobile top-ups—together with debit and credit… Read the review → |
Banco Santander Brasil combines personal accounts with payments, cards, credit products and investments, managed through its mobile app and web access. Customers can open a personal account online, check balances and statements, send and… Read the review → |
Strengths and trade-offs
BTG Pactual Banking — where it wins
- Supports Pix, bill payments and mobile top-ups
- Includes debit and credit cards plus in-app virtual cards
- Offers automatic balance yield and credit products
Where it doesn't
- Account opening requires registration and approval
- Overdraft and credit access depend on eligibility and credit analysis
- Card products or optional benefits may carry separate charges
Banco Santander Brasil — where it wins
- Link other banks’ account information through Open Finance
- Conta Free includes unlimited Pix and free ATM and branch withdrawals
- Manage bills, cards, transfers and investments in the app
Where it doesn't
- Credit products are subject to approval and eligibility
- Conta Plus specialist chat and phone service runs 06:00–22:00 daily
- Personalized Select Plus service requires that account tier
- BTG Pactual Banking9.2/10 · Free plan
A free mobile account pairs everyday payments with cards, yield and eligibility-based credit.
Visit BTG PactualFull verdict → - Banco Santander Brasil9.0/10 · Free plan
A full-service Brazilian bank app with Pix, investments and Open Finance links.
Visit SantanderFull verdict →
More comparisons
- Nubank vs BTG Pactual Banking
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- BTG Pactual Banking vs Conta Corrente Itaú
- BTG Pactual Banking vs CAIXA Conta Digital
- BTG Pactual Banking vs Banco PAN
- BTG Pactual Banking vs Banco Bmg
- Banco do Brasil Conta Digital vs Banco Santander Brasil
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