Updated October 16, 2026 · VaultCue Editorial Team
Cathay United digital accounts vs PagBank
PagBank
Higher score in this comparison
Cathay United digital accounts
Where Cathay United digital accounts and PagBank differ
| Compare | Cathay United digital accountsReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Transfer fee | Interbank transfer/remittance NTD 30 per item up to NTD 2,000,000, plus NTD 10 per each additional NTD 1,000,000; interbank card transfer NTD 0 for the first NTD 500 item per account per day, then NTD 10 (NTD 501-1,000), NTD 15 (above NTD 1,001) | Free (unlimited TED and Pix to any bank) |
| Monthly fee | Not confirmed | R$0 to R$75 |
| Currency conversion fee | Not confirmed | 5% |
| Free ATM withdrawals | Not confirmed | R$0 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Founded is lower at Cathay United digital accounts: 1975 vs 2006.
- Support channels: only PagBank offers Help centre.
- Audience: only Cathay United digital accounts offers Expats.
- Audience: only PagBank offers Business, Freelancer.
Our verdict on each
Cathay United digital accounts
The FAQ defines the digital deposit account as a Taiwan-dollar or foreign-currency demand savings account opened through an automated channel.
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 | Cathay United digital accounts | 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 | 9.2 | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. |
| Trust | 9.5Higher | 8.8 |
How they place
| Ranking | Cathay United digital accounts | PagBank |
|---|---|---|
| Savings accounts | 944 of 1420 | 28 of 1420 |
| Money transfer services | 831 of 1564 | 14 of 1564 |
Every fact side by side
| Fact | Cathay United digital accounts | PagBank |
|---|---|---|
| Audience | Expats | Business, Freelancer |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only, No credit check |
| Legal entity | Cathay United Bank Co., Ltd. | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Taiwan | Brazil |
| Founded | 1975Lower | 2006 |
| Support channels | Email, Chat, Phone | Email, Phone, Help centre, ChatCovers more |
Money transfer
| Fact | Cathay United digital accounts | 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 | Bank | Bank, WalletCovers more |
| Fee to send 1,000 | NT$300 | R$0 |
Savings
| Fact | Cathay United digital accounts | 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 |
Where each stands against the rest
| Fact | Cathay United digital accounts | 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
Cathay United digital accounts
Pros
- The FAQ defines the digital deposit account as a Taiwan-dollar or foreign-currency demand savings account opened through an automated channel.
- Applicants receive the review result by email and text message after submitting details.
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
Cathay United digital accounts
Who it suits
- Taiwan applicants checking Cathay United digital deposit accounts
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 | Cathay United digital accounts | PagBank |
|---|---|---|
| Brazil | No | Yes |
| Taiwan | Yes | No |
Questions about each
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.
What does it cost to take out cash?+
The ATM allowance is BRL 0, and free ATM withdrawals sit among the features listed on free atm, digital only and no credit check. Cash access is included in the account rather than sold as a separate add on, so taking money out does not raise the monthly bill.
How do I get help if something goes wrong?+
Support runs on email, phone and help centre, covering phone, chat, email and a help centre. The account is digital-only, one of the features listed on free atm, digital only and no credit check, so most questions are handled in the app rather than in person.
Other options to compare
Other matchups
Related by the facts
PagBank
Cathay United digital accounts