Updated October 13, 2026 · VaultCue Editorial Team
GoPay vs PagBank
PagBank
Higher score in this comparison
GoPay
Where GoPay and PagBank differ
| Compare | GoPayReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Transfer fee | Free 100 bank transfers/month; international transfer admin fee from Rp20.000 | Free (unlimited TED and Pix to any bank) |
| Monthly fee | Not confirmed | R$0 to R$75 |
| Currency conversion fee | Not confirmed | 5% |
| Currencies | 9 | Not confirmed |
| 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 PagBank: 2006 vs 2016.
- Support channels: only PagBank offers Chat.
- Audience: only GoPay offers Teen.
- Audience: only PagBank offers Business, Freelancer.
Our verdict on each
GoPay
GoPay takes a different path from a standard high street everyday account by keeping the focus on routine money management in one place. It is an everyday account for customers who want straightforward daily handling and who prefer to check coverage before choosing.
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 | GoPay | 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 | 9.3Higher | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. |
| Trust | 8.4 | 8.8Higher |
How they place
| Ranking | GoPay | PagBank |
|---|---|---|
| Money transfer services | 975 of 1564 | 14 of 1564 |
Every fact side by side
| Fact | GoPay | PagBank |
|---|---|---|
| Audience | Teen | Business, Freelancer |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only, No credit check |
| Legal entity | PT Dompet Anak Bangsa | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Indonesia | Brazil |
| Founded | 2016 | 2006Lower |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Money transfer
| Fact | GoPay | PagBank |
|---|---|---|
| Delivery time | Instant for domestic transfers; about 15 minutes for international transfers to Singapore | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 |
| Payout methods | Bank, Cash pickup, WalletCovers more | Bank, Wallet |
| Fee to send 1,000 | IDR 0 | R$0 |
Savings
| Fact | GoPay | 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 | GoPay | 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% |
| Currencies | 9above the median | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
GoPay
Pros
- Everyday account setup shaped around routine payments and regular money handling
- Clear account structure that helps customers review functions with confidence
- Practical option for customers wanting organised daily account activity
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
GoPay
Who it suits
- Customers seeking simple daily account handling
- Customers reviewing routine account coverage with care
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 | GoPay | PagBank |
|---|---|---|
| Brazil | No | Yes |
| Indonesia | Yes | No |
Questions about each
GoPay
What does GoPay offer for everyday use?+
GoPay provides an everyday account for routine money handling and regular payments. Customers can use it to organise daily activity in one account setting. Customers should review the functions and coverage to confirm fit for daily needs.
Which customers does GoPay suit most?+
GoPay suits customers who want straightforward handling for daily payments and balances. It fits those who prefer a simple structure for regular routines. Customers should check that the coverage aligns with their usual needs.
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
GoPay