Head-to-head · Digital Banking Apps in Brazil
Nubank vs Banco PAN
Nubank leads on 0 checks, Banco PAN on 1, 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 scoreNubank · 9.3/10
- Free planboth
- Most featuresBanco PAN · 4 of 4
Nubank scores higher on our rubric for digital banking apps in brazil: 9.3 against 8.8 out of 10; our editors rank them #1 and #7.
Banco PAN offers overdraft; Nubank doesn't.
Nubank is the better fit for everyday mobile banking with savings goals. Banco PAN is the better fit for A free account with everyday payments and CDBs.
- Nubank fits best
Everyday mobile banking with savings goals
- 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 | Nubank 9.3/10 Visit ↗ | Banco PAN 8.8/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.3 | 8.8 |
| Ranking | #1 in Digital Banking Apps in Brazil | #7 in Digital Banking Apps in Brazil |
| Best for | Everyday mobile banking with savings goals | 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 |
| Support | Live chat, Phone | Live chat, Email |
| Built for | Solo | Solo, Small business |
| Features Nubank 3/4 · Banco PAN 4/4 | ||
| Pix transfers | ✓ | ✓ |
| Debit card | ✓ | ✓ |
| Credit card | ✓ | ✓ |
| Overdraft | — | ✓ (best) |
| Specs | ||
| Savings options | Multiple | Multiple |
| Mobile platforms | Both | Both |
| Our review | ||
| Pros |
|
|
| Cons |
|
|
| Our verdict | Nubank is a mobile financial-services app in Brazil for people who want an account for receiving, transferring and spending money, alongside simple ways to set savings goals. Its basic account is described as free and supports… 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 → |
Strengths and trade-offs
Nubank — where it wins
- Free basic account with Pix, payments and transfers
- Caixinhas organize savings goals and can link to fixed-income investments
- Android and iOS apps include debit and credit options
Where it doesn't
- Debit card must be requested through the app
- Credit card and credit-limit transactions require separate approval
- Cash withdrawals and other account-linked services may have fees
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
- Nubank9.3/10 · Free plan
A free mobile account for everyday banking and savings goals, with credit subject to approval.
Visit NubankFull verdict → - Banco PAN8.8/10 · Free plan
A free Brazilian digital account for Pix, card payments, bills and CDBs.
Visit Banco PANFull verdict →
More 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 Bmg
- BTG Pactual Banking vs Banco PAN
- Banco do Brasil Conta Digital vs Banco PAN
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