Updated October 13, 2026 · VaultCue Editorial Team
Banco Inter vs PagBank
PagBank
Higher score in this comparison
Banco Inter
What sets them apart
| Compare | Banco InterReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Monthly fee | R$0 | R$0 to R$75 |
| Rate type | Not confirmed | Variable |
| Access terms | Not confirmed | Daily liquidity, redeem whenever you want |
| Account kind | Not confirmed | Easy access |
Same on both: Minimum deposit (R$1).
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Our verdict on each
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.
PagBank
PagBank suits Brazilian businesses and freelancers who want a free everyday account with instant Pix payouts and a savings option on the side.
Score breakdown
| Area | Banco Inter | PagBank |
|---|---|---|
| Cost | 9.0Higher | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. |
| Offer | 8.5 | 9.2HigherOffer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. |
| Trust | Not confirmed | 8.8 |
How they place
| Ranking | Banco Inter | PagBank |
|---|---|---|
| Savings accounts | 715 of 1420 | 28 of 1420 |
| Online banks | 231 of 402 | 11 of 402 |
Every fact side by side
| Fact | Banco Inter | PagBank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Not confirmed | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Not confirmed | Brazil |
| Founded | Not confirmed | 2006 |
| Support channels | Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Everyday accounts
| Fact | Banco Inter | PagBank |
|---|---|---|
| Currency conversion fee | 0.99%Lower | 5% |
| Currencies | 2 | Not confirmed |
| Audience | Travelers, Expats | Business, Freelancer |
| Features | Digital only, No credit check | Free ATM, Digital only, No credit checkCovers more |
| Free ATM withdrawals | Not confirmed | R$0 |
| Transfer fee | Not confirmed | Free (unlimited TED and Pix to any bank) |
Money transfer
| Fact | Banco Inter | PagBank |
|---|---|---|
| Delivery time | Not confirmed | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 |
| Payout methods | Not confirmed | Bank, Wallet |
| Fee to send 1,000 | Not confirmed | R$0 |
Where each stands against the rest
| Fact | Banco Inter | PagBank | Median |
|---|---|---|---|
| Minimum deposit | R$1at the median | R$1at the median | R$1 |
| Monthly fee | R$0at the median | R$0 to R$75at the median | R$0 |
Median across 9 listed accounts.
Pros and cons
Banco Inter
Pros
- Operates through digital channels that customers use for everyday account management.
- Welcomes customers through an application route that skips credit checks.
PagBank
Pros
- Transfers to any bank are Free (unlimited TED and Pix to any bank), which covers both Pix and TED.
- Cash access carries an allowance of BRL 0, so withdrawals do not add to the bill.
- Payouts reach bank and wallet, and cross-border money clears in minutes to Pix or a PagBank account.
Cons
- Currency conversion on the card costs 5%, which ranks 304 of 312 and sits above the site median of 0.5%.
- The service is digital-only, as free atm, digital only and no credit check shows, so it suits people comfortable running money from an app.
- Savings pay a variable rate, so returns can move.
Who each suits
Banco Inter
Who it suits
- Customers who prefer phones for everyday money management
- Customers who want a straightforward start to building routines
PagBank
Who it suits
- Brazilian sole traders and small companies that bill and pay in Pix
- Freelancers who want an everyday account with an easy access CDB alongside
- Anyone happy to manage the account from a phone
Who should look elsewhere
- Skrill, if a wallet outside Brazil fits better: its monthly fee is €0
- Plazo ES, if a Spanish product suits you instead: its monthly fee is €0
- PayPal Colombia, if a wallet for cross-border online payments is the job: its monthly fee is $0
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 83,88 à vista (12x de R$ 6,99)
Super Max plan; promotional price valid under campaign terms
Source, checked September 26, 2026
Country by country
| Country | Banco Inter | PagBank |
|---|---|---|
| Brazil | Yes | Yes |
Questions about each
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.
PagBank
What does PagBank charge to hold an account?+
The monthly fee runs BRL 0 to BRL 75, and the account is built around no monthly charge. PagBank ranks 1 of 500 on monthly fee across the site, the site median is €0, and the top of the site range reaches €449.
Are Pix and TED transfers really free?+
Transfers to any bank are Free (unlimited TED and Pix to any bank), and the Pix transfer charge is BRL 0. Pix is instant around the clock, and cross-border payouts clear in minutes to Pix or a PagBank account, with payouts landing on bank and wallet.
Other options to compare
Other matchups
Related by the facts
PagBank
Banco Inter