Updated October 13, 2026 · VaultCue Editorial Team
Alipay vs Banco Inter
Alipay
Higher score in this comparison
Banco Inter
Where Alipay and Banco Inter differ
| Compare | AlipayReviewSee alternativesSee alternatives | Banco InterReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | CN¥0 | R$0 |
| Currencies | 18Higher | 2 |
| Currency conversion fee | Not confirmed | 0.99% |
| Transfer fee | 3% over RMB 200 | Not confirmed |
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Key differences
- Currencies is higher at Alipay: 18 vs 2.
- Support channels: only Alipay offers Email.
- Support channels: only Banco Inter offers Phone, Help centre.
- Audience: only Banco Inter offers Expats.
- Features: only Banco Inter offers No credit check.
Our verdict on each
Alipay
Alipay suits travellers who need to pay and send money in China and want a wallet with a monthly fee of CNY 0, taking an overall score of 7.3. Money is held free of charge, but transfers carry 3% over RMB 200 and support runs on email only.
Banco Inter
Banco Inter contrasts with counter based routines because customers manage regular everyday money through a phone. It suits customers who prefer handling accounts digitally with support for balances in different currencies and starting through a route that skips credit checks.
Score breakdown
| Area | Alipay | Banco Inter |
|---|---|---|
| Cost | 9.3HigherMonthly fee of CNY 0 to hold the account, with transfers costed at 3% over RMB 200. | 9.0 |
| Offer | 8.9HigherCovers 18 currencies and pays out to a bank or a wallet from a digital only account. | 8.5 |
| Trust | 8.9 | Not confirmed |
How they place
| Ranking | Alipay | Banco Inter |
|---|---|---|
| Multi-currency accounts | 132 of 348 | 267 of 348 |
| Online banks | 94 of 402 | 231 of 402 |
Every fact side by side
| Fact | Alipay | Banco Inter |
|---|---|---|
| Audience | Travelers | Travelers, ExpatsCovers more |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Digital only, No credit checkCovers more |
| Legal entity | Alipay (Hangzhou) Technology Co. Ltd | Not confirmed |
| Headquarters | China | Not confirmed |
| Founded | 2004 | Not confirmed |
| Support channels | Phone, Help centre |
Money transfer
| Fact | Alipay | Banco Inter |
|---|---|---|
| Delivery time | Within minutes (bank-to-wallet) | Not confirmed |
| Payout methods | Bank, Wallet | Not confirmed |
| Fee to send 1,000 | CN¥0 | Not confirmed |
Where each stands against the rest
| Fact | Alipay | Banco Inter | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0.99%above the median | 0.5% |
| Currencies | 18highest quarter | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Alipay
Pros
- Monthly fee of CNY 0 puts it 1 of 500 brands on this measure.
- Currency reach of 18 sits above the 5 median for multi-currency accounts.
- Payouts reach a bank or a wallet, and bank-to-wallet remittances land within minutes.
Cons
- Transfer charges apply: the quoted transfer fee is 3% over RMB 200.
- Support runs on email only, so a blocked payment has to be chased in writing.
- Currency reach is mid table: 18 currencies ranks 62 of 379.
Banco Inter
Pros
- Operates through digital channels that customers use for everyday account management.
- Welcomes customers through an application route that skips credit checks.
Who each suits
Alipay
Who it suits
- Travellers heading to China who want to pay and send money from a phone.
- Anyone who wants a wallet with a monthly fee of CNY 0 and 18 currencies.
- People already paying in China who also need to receive money from abroad.
Who should look elsewhere
- PayPal Colombia, if a wallet in US dollars suits you better than paying in renminbi, with a monthly fee of $0.
- Skrill, if you would rather hold euros in one account than carry 18 currencies.
- eToro, if you want everyday money on a trading platform, whose monthly fee is £0, rather than a payments wallet.
Banco Inter
Who it suits
- Customers who prefer phones for everyday money management
- Customers who want a straightforward start to building routines
Country by country
| Country | Alipay | Banco Inter |
|---|---|---|
| Brazil | No | Yes |
Questions about each
Alipay
Does Alipay charge a monthly fee?+
The monthly fee is CNY 0, so there is nothing to pay for keeping the account open. That puts Alipay alongside PayPal Colombia, Skrill and eToro, whose monthly fees are $0, €0 and £0.
What does it cost to send or top up money?+
Transfer pricing is where the cost sits. The quoted transfer fee is 3% over RMB 200, and the consumer side fee is CNY 0. Since the account costs nothing to hold, the amount you send matters more than how often you send it, and the threshold is worth checking before a large transfer.
Banco Inter
Who is Banco Inter suited for?+
Banco Inter suits customers who feel comfortable completing every step on a phone. It helps people who want clear routines for organising money in different currencies. Customers should confirm identification requirements before opening any account.
What should customers check before choosing Banco Inter?+
Customers should review access rules and account conditions before choosing any provider. Digital management suits people who enjoy completing tasks on a phone. Banco Inter supports balances in different currencies through phone channels for everyday routines.
Other options to compare
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Alipay
Banco Inter