Banco PAN
Banco PAN: A free Brazilian digital account for Pix, card payments, bills and CDBs. Ranked #7 of 23 in Digital Banking Apps in Brazil by our editors (8.8/10); pricing: Free plan; best for A free account with everyday payments and CDBs.
At a glance
- Editor score8.8 / 10
- PricingFree plan
- Best forA free account with everyday payments and CDBs
- Free planYes
- Paid fromNone
- Pix transfersYes
- Facts checked4 Oct 2026
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
Our verdict on Banco PAN
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, bill payments and CDBs, including daily-liquidity options. Credit card availability is subject to credit analysis, and account access and product eligibility depend on Banco PAN’s conditions.
The account combines routine payment features rather than focusing on just one task: customers can send and receive Pix, pay bills, use automatic debit, and make mobile top-ups or vehicle tax and fine payments. A virtual card is available for online purchases, alongside the debit card for account purchases. These functions make the app relevant for people who want common payment tasks and some vehicle-related payments in one mobile banking service; use is through Android or iOS.
CDB access adds an investment option to the account, while Banco PAN also offers personal credit products and shopping features. The published account terms note that some transaction limits and terms apply, and credit features are not guaranteed because approval is required. Choose Banco PAN if a free account, Pix and payment utilities are the priority and CDBs are useful alongside them. It may be a less suitable fit for someone who needs desktop access or expects credit card eligibility without an assessment.
Banco PAN pricing
Banco PAN fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Pix transfers | Yes |
| Debit card | Yes |
| Credit card | Yes |
| Savings options | Multiple |
| Overdraft | Yes |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | Android, iOS |
| Support | Live chat, Email |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan |
| Website | bancopan.com.br |
| Facts checked | 4 Oct 2026 |
Alternatives to Banco PAN
- NubankA free mobile account for everyday banking and savings goals, with credit subject to approval.9.3
- BTG Pactual BankingA free mobile account pairs everyday payments with cards, yield and eligibility-based credit.9.2
- Banco do Brasil Conta DigitalA free digital account with Pix, banking tools, cards and investments.9.1
See all Banco PAN alternatives →
Banco PAN vs the competition
- Banco PAN vs Nubank
- Banco PAN vs BTG Pactual Banking
- Banco PAN vs Banco do Brasil Conta Digital
- Banco PAN vs Conta Corrente Itaú
- Banco PAN vs Banco Santander Brasil
- Banco PAN vs CAIXA Conta Digital
Compare Banco PAN with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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