Updated September 28, 2026 · VaultCue Editorial Team
Finom vs PagBank
Finom
Higher score in this comparison
PagBank
Where Finom and PagBank differ
| Compare | FinomReviewVisitVisit | PagBankReviewVisitVisit |
|---|---|---|
| Rate type | Fixed | Variable |
| Minimum deposit | €0 | R$1 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Daily liquidity, redeem whenever you want |
| Monthly fee | €0 | R$0 to R$75 |
| Account kind | Cash management | Easy access |
| Headline rate | 5% | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
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 PagBank: 2006 vs 2019.
- Finom is available in 10 more countries.
- Support channels: only Finom offers Community.
- Support channels: only PagBank offers Phone.
- Pricing model: only Finom offers Fixed rate.
Our verdict on each
Finom
Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.
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 | Finom | PagBank |
|---|---|---|
| Cost | 9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%. | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. |
| Offer | 9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate. | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. |
| Trust | 8.2 | 8.8Higher |
Pick Finom if, pick PagBank if
Pick Finom if cost and offer matter most.
Pick PagBank if trust matter most.
Where each is licensed and available
| Country | Finom | PagBank |
|---|---|---|
| Cyprus | Not confirmed | |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
Additional countries for Finom: 11. Additional countries for PagBank: 1.
How they place
| Ranking | Finom | PagBank |
|---|---|---|
| Savings accounts | 1 of 1420 | 28 of 1420 |
| Business bank accounts | 1 of 563 | 16 of 563 |
| Accounts for freelancers | 1 of 130 | 9 of 130 |
Sources behind this comparison
Finom
- finom.co: 12 facts, checked September 26, 2026
PagBank
- pagbank.com.br: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Finom | PagBank |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | No monthly fee |
| Legal entity | PNL Fintech B.V. | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Netherlands | Brazil |
| Founded | 2019 | 2006Lower |
| Support channels | Email, Chat, Help centre, Community | Email, Phone, Help centre, Chat |
Everyday accounts
| Fact | Finom | PagBank |
|---|---|---|
| Currency conversion fee | 1%Lower | 5% |
| Currencies | 17 | Not confirmed |
| Audience | Business, Freelancer | Business, Freelancer |
| Features | Free ATM | Free ATM, Digital only, No credit checkCovers more |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | €10,000 | R$0 |
| Transfer fee | Free outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro) | Free (unlimited TED and Pix to any bank) |
Money transfer
| Fact | Finom | 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 | Finom | PagBank | Median |
|---|---|---|---|
| Headline rate | 5%above the median | Not confirmed | 3.25% |
Median across 658 listed accounts.
Pros and cons
Finom
Pros
- The minimum deposit is €0, so an account can be opened without a large opening balance.
- The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
- Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.
Cons
- The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
- The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
- Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.
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
Finom
Who it suits
- Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
- Small businesses paid in euros by clients abroad who want several currencies in one place.
- Readers who want a set rate on working money rather than the highest variable rate on the table.
Who should look elsewhere
- Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
- Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
- Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.
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 $0
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 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 | Finom | PagBank |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | No | Yes |
| Cyprus | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
8 of 12 countries where either is available.
Questions about each
Finom
What does it cost to keep a Finom account?+
The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.
Is my money protected if something goes wrong?+
Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.
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.
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