PagBank
PagBank: PagBank pairs everyday Pix payments with savings features and a broad investment menu. Ranked #9 of 23 in Digital Banking Apps in Brazil by our editors (8.5/10); pricing: Free plan; best for payments and a broad investment menu.
At a glance
- Editor score8.5 / 10
- PricingFree plan
- Best forPayments and a broad investment menu
- Free planYes
- Paid fromNone
- Pix transfersYes
- Facts checked4 Oct 2026
Where it wins
- Supports Pix, bill payments, mobile top-ups and QR code payments
- Serves individuals and businesses through digital payment accounts
- Offers CDBs, Treasury Direct, funds and variable-income investments
Where it doesn't
- Credit card eligibility requires a balance reserve or CDB investment
- A R$75 administrative fee may apply after over 360 days without activity
- Support is listed by email, even though it is available 24/7
Our verdict on PagBank
PagBank is a Brazilian digital payment account managed through mobile apps for Android and iOS. It serves individuals and businesses, with payment tools suited to everyday transfers and purchases alongside savings and investment options. The account is described as free, and its mix of personal and business use makes it relevant to solo operators and small businesses as well as individuals managing routine payments.
For daily money movement, the app supports Pix transfers and payments, account transfers, bill payments, mobile top-ups and QR code payments. Account holders can use a debit card for purchases and cash withdrawals. A credit card option is also available, but eligibility for its credit function requires a balance reserve or a CDB investment; requirements may vary by function. The combination covers payments, bills and cards in one mobile account, though people seeking credit without tying it to a reserve or investment may prefer another option.
PagBank also extends beyond payments with account-balance savings, automatic savings features and access to CDBs, Treasury Direct, investment funds and variable-income products. This is a notably broad menu for a payment account, although it does not make the app a fit for every banking need. The account is described as free, but a R$75 administrative fee may apply after more than 360 days without account activity. Support is listed by email and is available 24/7. PagBank suits people who want Pix and payment functions alongside savings and multiple investment types; those who prioritize inactivity-fee certainty or support through another channel should compare alternatives.
PagBank pricing
PagBank fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Pix transfers | Yes |
| Debit card | Yes |
| Credit card | Yes |
| Savings options | Multiple |
| Overdraft | Not verified |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | Android, iOS |
| Support | Email · 24/7 |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan |
| Website | pagbank.com.br |
| Facts checked | 4 Oct 2026 |
Alternatives to PagBank
- 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 PagBank alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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