Updated October 16, 2026 · VaultCue Editorial Team
FNB Botswana virtual card vs PagBank
PagBank
Higher score in this comparison
FNB Botswana virtual card
What sets them apart
| Compare | FNB Botswana virtual cardReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Transfer fee | P9.40 (BWP) per eWallet Send Money | 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.
Our verdict on each
FNB Botswana virtual card
The retained FNB Botswana homepage names First National Bank of Botswana Limited and gives a registration number.
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 | FNB Botswana virtual card | 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 | FNB Botswana virtual card | PagBank |
|---|---|---|
| Money transfer services | 918 of 1564 | 14 of 1564 |
Every fact side by side
| Fact | FNB Botswana virtual card | 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 | First National Bank of Botswana Limited | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Botswana | Brazil |
| Founded | Not confirmed | 2006 |
| Support channels | Phone | Email, Phone, Help centre, ChatCovers more |
Money transfer
| Fact | FNB Botswana virtual card | PagBank |
|---|---|---|
| Delivery time | Instant | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 |
| Payout methods | Wallet | Bank, WalletCovers more |
| Fee to send 1,000 | BWP 9.40 | R$0 |
Savings
| Fact | FNB Botswana virtual card | 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 | FNB Botswana virtual card | 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
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
FNB Botswana virtual card
Who it suits
- Readers checking the retained FNB Botswana company identification and service categories.
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 | FNB Botswana virtual card | PagBank |
|---|---|---|
| Botswana | Yes | No |
| Brazil | No | Yes |
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
FNB Botswana virtual card