Best Banco PAN Alternatives in 2026
The top Banco PAN alternatives are Nubank, BTG Pactual Banking and Banco do Brasil Conta Digital: 15 digital banking apps in brazil our editors would look at instead of Banco PAN, in our ranking order.
Banco PAN: A free Brazilian digital account for Pix, card payments, bills and CDBs. Where it falls short: credit card availability depends on credit analysis.
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Best forEveryday mobile banking with savings goals
A free mobile account for everyday banking and savings goals, with credit subject to approval.
- Debit card
9.3/10★★★★★Visit Nubank -
Best forPeople seeking an account with credit options
A free mobile account pairs everyday payments with cards, yield and eligibility-based credit.
- Overdraft
- Debit card
9.2/10★★★★★Visit BTG Pactual -
Best forDigital banking plus online account management
A free digital account with Pix, banking tools, cards and investments.
- Overdraft
- Debit card
9.1/10★★★★★Visit site -
Best forMobile and web banking with scheduled payments
A free-to-open everyday account with Pix, scheduled payments and web and mobile access.
- Overdraft
- Debit card
9.0/10★★★★☆Visit Itaú -
Best forBanking with Open Finance aggregation
A full-service Brazilian bank app with Pix, investments and Open Finance links.
- Overdraft
- Debit card
9.0/10★★★★☆Visit Santander -
Best forCore banking with Open Finance data access
A free mobile account for Pix, bill payments, card controls, and Open Finance.
9.0/10★★★★☆Visit CAIXA -
Best forPix banking with savings goals and card controls
A mobile account for Pix, bill payments, card controls and goal-based CDB savings.
- Debit card
8.6/10★★★★☆Visit Banco Bmg -
Best forPayments and a broad investment menu
PagBank pairs everyday Pix payments with savings features and a broad investment menu.
- Debit card
8.5/10★★★★☆Visit PagBank -
Best forInvestment-oriented users seeking a no-use-fee account
A free digital account that pairs Pix and bill payments with a broad investment range.
8.3/10★★★★☆Visit Sofisa Direto -
Best forMobile banking with cardless withdrawals
A mobile Banrisul account for Pix, card controls and BanriSaque withdrawals.
- Debit card
8.2/10★★★★☆Visit Banrisul -
Best forA simple account with Open Finance and 24-hour chat
A straightforward mobile account with Pix, savings options and 24-hour chat.
- Debit card
8.1/10★★★★☆Visit banco BV -
Best forPeople and businesses eligible to join Unicred
Web and mobile banking with Pix, cards and investments, subject to cooperative membership eligibility.
- Debit card
7.9/10★★★★☆Visit Unicred -
Best forA free account with extensive investment options
A free digital account with Pix, cards and a broad range of investment options.
- Overdraft
- Debit card
7.9/10★★★★☆Visit Inter -
Best forEveryday banking with investments and AI tools
A free account pairs everyday banking with Brazil and international investments and an AI assistant.
- Overdraft
- Debit card
7.8/10★★★★☆Visit C6 Bank -
Best forMobile banking with wallets and Open Finance
A free mobile account combining Pix, cards, investments and Open Finance.
- Debit card
7.7/10★★★★☆Visit next
Banco PAN Alternatives: Common Questions
What is the best alternative to Banco PAN?
Nubank: #1 in our Digital Banking Apps in Brazil ranking, with an editor score of 9.3 out of 10. A free mobile account for everyday banking and savings goals, with credit subject to approval.
Is there a free alternative to Banco PAN?
Yes. Nubank, BTG Pactual Banking, Banco do Brasil Conta Digital, Conta Corrente Itaú and Banco Santander Brasil have a free plan or a free tier (15 of the 15 alternatives on this page).
Banco PAN vs Each Alternative
| # | Tool | Free plan | Paid from | Pix transfers | Debit card | Credit card | Savings options | Score |
|---|---|---|---|---|---|---|---|---|
| 7 | Banco PAN | Yes | None | Yes | Yes | Yes | Multiple | 8.8 |
| 1 | Nubank | Yes | None | Yes | Yes | Yes | Multiple | 9.3 |
| 2 | BTG Pactual Banking | Yes | None | Yes | Yes | Yes | Multiple | 9.2 |
| 3 | Banco do Brasil Conta Digital | Yes | None | Yes | Yes | Yes | Multiple | 9.1 |
| 4 | Conta Corrente Itaú | Yes | — | Yes | Yes | Yes | Multiple | 9.0 |
| 5 | Banco Santander Brasil | Yes | — | Yes | Yes | Yes | Multiple | 9.0 |
| 6 | CAIXA Conta Digital | Yes | None | Yes | — | Yes | — | 9.0 |
| 8 | Banco Bmg | Yes | — | Yes | Yes | Yes | Multiple | 8.6 |
| 9 | PagBank | Yes | None | Yes | Yes | Yes | Multiple | 8.5 |
| 10 | Sofisa Direto | Yes | None | Yes | — | Yes | Multiple | 8.3 |
| 11 | Conta Digital Banrisul | Yes | None | Yes | Yes | Yes | Multiple | 8.2 |
| 12 | banco BV | Yes | None | Yes | Yes | Yes | Fixed_income | 8.1 |
| 13 | Unicred Conta Corrente | Yes | — | Yes | Yes | Yes | Multiple | 7.9 |
| 14 | Inter | Yes | None | Yes | Yes | Yes | Multiple | 7.9 |
| 15 | C6 Bank | Yes | — | Yes | Yes | Yes | Multiple | 7.8 |
| 16 | next | Yes | None | Yes | Yes | Yes | Multiple | 7.7 |
Head-to-Head
- 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
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update