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Head-to-head · Digital Banking Apps in Brazil

CAIXA Conta Digital vs Banco PAN

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score CAIXA Conta Digital #6 in Digital Banking Apps in Brazil 9.0/10 Free plan Free plan✓ 2 of 4 features Visit CAIXA
Banco PAN #7 in Digital Banking Apps in Brazil 8.8/10 Free plan Free plan✓ 4 of 4 features Visit Banco PAN

CAIXA Conta Digital leads on 0 checks, Banco PAN on 2, and 3 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 scoreCAIXA Conta Digital · 9.0/10
  • Free planboth
  • Most featuresBanco PAN · 4 of 4

CAIXA Conta Digital scores higher on our rubric for digital banking apps in brazil: 9.0 against 8.8 out of 10; our editors rank them #6 and #7.

Banco PAN offers debit card; CAIXA Conta Digital doesn't publish it. Banco PAN offers overdraft; CAIXA Conta Digital doesn't publish it.

CAIXA Conta Digital is the better fit for core banking with Open Finance data access. Banco PAN is the better fit for A free account with everyday payments and CDBs.

  • CAIXA Conta Digital fits best

    Core banking with Open Finance data access

  • 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 CAIXA Conta Digital 9.0/10 Visit ↗ Banco PAN 8.8/10 Visit ↗
At a glance
Editor score 9.0 8.8
Ranking #6 in Digital Banking Apps in Brazil #7 in Digital Banking Apps in Brazil
Best for Core banking with Open Finance data access A free account with everyday payments and CDBs
Pricing model Free Free
Starting price Not published Not published
Free plan ✓ ✓
Free trial — —
Deployment Mobile Mobile
Platforms iOS, Android Android, iOS
Built for Solo Solo, Small business
Features CAIXA Conta Digital 2/4 · Banco PAN 4/4
Pix transfers ✓ ✓
Debit card Not published ✓ (best)
Credit card ✓ ✓
Overdraft Not published ✓ (best)
Specs
Savings options Not published Multiple
Mobile platforms Both Both
Our review
Pros
  • Send and receive Pix transfers and pay bills or boletos.
  • Manage cards and credit card functions in the app.
  • Use Open Finance to bring financial data to CAIXA.
  • 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
  • Mobile-only access is limited to iOS and Android.
  • Credit products may depend on eligibility and CAIXA approval.
  • Its listed features focus on core account and payment tasks.
  • Credit card availability depends on credit analysis
  • Some transaction limits and terms apply
  • Access is mobile-only on Android and iOS
Our verdict

CAIXA Conta Digital is an individual Brazilian bank account accessed and managed through the CAIXA app on iOS and Android. It is aimed at people seeking core banking functions on mobile: viewing balances and statements, sending 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. CAIXA Conta DigitalDigital Banking Apps in Brazil 9.0Free plan
  2. Banco PANDigital Banking Apps in Brazil 8.8Free plan

Strengths and trade-offs

  • CAIXA Conta Digital — where it wins

    • Send and receive Pix transfers and pay bills or boletos.
    • Manage cards and credit card functions in the app.
    • Use Open Finance to bring financial data to CAIXA.

    Where it doesn't

    • Mobile-only access is limited to iOS and Android.
    • Credit products may depend on eligibility and CAIXA approval.
    • Its listed features focus on core account and payment tasks.

  • 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