Updated October 13, 2026 · VaultCue Editorial Team
BBVA Deutschland vs PagBank
PagBank
Higher score in this comparison
BBVA Deutschland
What sets them apart
| Compare | BBVA DeutschlandReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Monthly fee | Not confirmed | R$0 to R$75 |
| Currency conversion fee | Not confirmed | 5% |
| Free ATM withdrawals | Not confirmed | R$0 |
| Transfer fee | Not confirmed | Free (unlimited TED and Pix to any bank) |
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Our verdict on each
BBVA Deutschland
BBVA Deutschland centres its everyday range on an app managed current account with German IBAN and debit card alongside savings tools and in app credit options. It appeals to people who want fully digital handling with round the clock human support and features for spending, saving and travel.
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 | BBVA Deutschland | PagBank |
|---|---|---|
| Cost | Not confirmed | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. |
| Offer | Not confirmed | 9.2Offer 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 | BBVA Deutschland | PagBank |
|---|---|---|
| Savings accounts | 786 of 1420 | 28 of 1420 |
Every fact side by side
| Fact | BBVA Deutschland | PagBank |
|---|---|---|
| Audience | Not confirmed | Business, Freelancer |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only, No credit check |
| Legal entity | Not confirmed | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Germany | Brazil |
| Founded | Not confirmed | 2006 |
| Support channels | Not confirmed | Email, Phone, Help centre, Chat |
Savings
| Fact | BBVA Deutschland | PagBank |
|---|---|---|
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | R$1 |
| Access terms | Not confirmed | Daily liquidity, redeem whenever you want |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | BBVA Deutschland | 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 | BBVA Deutschland | PagBank | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | R$0 to R$75at the median | R$0 |
| Currency conversion fee | Not confirmed | 5%highest quarter | 0.5% |
Median across 377 listed accounts.
Pros and cons
BBVA Deutschland
Pros
- Current account with German IBAN and debit card managed entirely in the app
- Smart saving functions with rules and a separate box for building reserves
- Worldwide card payments plus travel tips and budget tracking in the app
Cons
- Digital only service without branches for people who prefer face to face help
- Everyday range focuses on a single account model with app based operation
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
BBVA Deutschland
Who it suits
- People managing daily spending mainly through a mobile app
- Travellers wanting worldwide card use and in app trip planning
Who should look elsewhere
- People wanting branch service for everyday banking
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 | BBVA Deutschland | PagBank |
|---|---|---|
| Brazil | No | Yes |
Questions about each
BBVA Deutschland
What everyday account does BBVA Deutschland offer?+
BBVA Deutschland offers an app managed current account with German IBAN and debit card for daily needs. Customers handle payments worldwide and use the digital card directly after opening. Real time transfers and a savings box support routine household organisation within the same app.
How does the mobile app support daily banking?+
The BBVA app gathers daily banking functions such as transfers, savings controls and travel planning in one place. Smart saving rules help build reserves while additional tools support longer planning goals. Travel tips and budget tracking help organise spending during trips abroad.
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
BBVA Deutschland