Updated October 13, 2026 · VaultCue Editorial Team
bKash vs PagBank
PagBank
Higher score in this comparison
bKash
What sets them apart
| Compare | bKashReviewSee 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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Key differences
- Founded is lower at PagBank: 2006 vs 2011.
- Support channels: only PagBank offers Email, Phone.
Our verdict on each
bKash
bKash provides easy-access everyday accounts with on demand access through the bKash app or USSD *247# for managing daily balances. It suits people who handle everyday money by phone and want balances kept within reach for ordinary spending and short term needs.
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 | bKash | 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 | 8.5 | 9.2HigherOffer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. |
| Trust | 8.6 | 8.8Higher |
How they place
| Ranking | bKash | PagBank |
|---|---|---|
| Savings accounts | 853 of 1420 | 28 of 1420 |
| Money transfer services | 723 of 1564 | 14 of 1564 |
Every fact side by side
| Fact | bKash | 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 | bKash Limited | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Bangladesh | Brazil |
| Founded | 2011 | 2006Lower |
| Support channels | Chat, Help centre | Email, Phone, Help centre, ChatCovers more |
Savings
| Fact | bKash | PagBank |
|---|---|---|
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | R$1 |
| Access terms | On demand access via bKash app or USSD *247# | Daily liquidity, redeem whenever you want |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | bKash | 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 | bKash | 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
bKash
Pros
- On demand access for everyday balances through mobile channels
- Easy-access account kind that keeps daily money within reach
- Phone led account management for everyday money by phone
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
bKash
Who it suits
- People who want easy access to everyday money
- Customers who prefer managing balances by phone
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 | bKash | PagBank |
|---|---|---|
| Brazil | No | Yes |
Questions about each
bKash
What kind of everyday account does bKash offer?+
bKash offers easy-access everyday accounts for daily balances. Balances stay available when needed rather than tied away. The account supports ordinary spending and short term needs in daily life each day.
How do customers reach money with bKash?+
Customers reach balances through the bKash app or by USSD. Everyday money stays manageable by phone in daily life. People can choose the channel that matches daily habits and 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
bKash