Updated September 28, 2026 · VaultCue Editorial Team
JKOPAY 街口支付 vs PagBank
PagBank
JKOPAY 街口支付
Higher score in this comparison
Where JKOPAY 街口支付 and PagBank differ
| Compare | JKOPAY 街口支付ReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 5% |
| Transfer fee | TWD 15 per withdrawal | Free (unlimited TED and Pix to any bank) |
| Monthly fee | Not confirmed | R$0 to R$75 |
| Currencies | 1 | Not confirmed |
| Free ATM withdrawals | Not confirmed | R$0 |
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Key differences
- JKOPAY 街口支付 scores higher overall: 9.4 vs 8.9.
- Currency conversion fee is lower at JKOPAY 街口支付: 0% vs 5%.
- Support channels: only JKOPAY 街口支付 offers Community.
- Support channels: only PagBank offers Chat.
- Audience: only JKOPAY 街口支付 offers Travelers.
- Audience: only PagBank offers Business, Freelancer.
- Features: only PagBank offers Free ATM, No credit check.
Our verdict on each
JKOPAY 街口支付
JKOPAY is a digital wallet for travelers who want to move and store money in a single market, not a full bank account. Conversion runs at 0% and the wallet covers 1 currency, so it fits a short trip far better than a long stay abroad.
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 | JKOPAY 街口支付 | PagBank |
|---|---|---|
| Cost | 9.6HigherConversion runs at 0% and a withdrawal costs TWD 15 per withdrawal, both sitting at the low end of the range. | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. |
| Offer | 9.0The offer is thin: the wallet is digital only and payouts reach bank accounts only. | 9.2HigherOffer 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 | JKOPAY 街口支付 | PagBank |
|---|---|---|
| Money transfer services | 66 of 1564 | 14 of 1564 |
| Online banks | 22 of 402 | 11 of 402 |
Every fact side by side
| Fact | JKOPAY 街口支付 | PagBank |
|---|---|---|
| Audience | Travelers | Business, Freelancer |
| Pricing model | Not confirmed | No monthly fee |
| Features | Digital only | Free ATM, Digital only, No credit checkCovers more |
| Legal entity | JKO Electronic Payment Co., Ltd. | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Taiwan | Brazil |
| Founded | Not confirmed | 2006 |
| Support channels | Phone, Email, Help centre, Community | Email, Phone, Help centre, Chat |
Money transfer
| Fact | JKOPAY 街口支付 | 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$15 | R$0 |
Savings
| Fact | JKOPAY 街口支付 | 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 | JKOPAY 街口支付 | PagBank | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | R$0 to R$75at the median | R$0 |
| Currency conversion fee | 0%below the median | 5%highest quarter | 0.5% |
| Currencies | 1lowest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
JKOPAY 街口支付
Pros
- Currency conversion costs 0%, ahead of 0.95% and 3%
- Withdrawals to a bank account cost TWD 15 per withdrawal
- Support runs through phone, email and help centre
Cons
- Only 1 currency is supported, against 30 at Paysera
- The account is digital only, with no branch to visit
- Payouts reach bank accounts only
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
JKOPAY 街口支付
Who it suits
- Travelers who mainly need to store and spend in a single market
- People who want to keep conversion costs down and reach a bank account for withdrawals
- Anyone happy managing the wallet in an app
Who should look elsewhere
- People who hold several currencies, since Paysera supports 30
- Anyone who wants to talk to someone at a branch, because the account is digital only
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 $0
Current offers
JKOPAY 街口支付
Current offer
Bonus
JKO Coin cashback on JKOPAY Account payments: 1% JKO Coin
JKOPAY Account, Silver tier or above; payments made in the JKOPAY app; JKO Coin credited later; not eligible for JKOPAY Account payment rewards when paid by linked credit card
Source, checked September 26, 2026
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 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 | JKOPAY 街口支付 | PagBank |
|---|---|---|
| Brazil | No | Yes |
| Taiwan | Yes | No |
Questions about each
JKOPAY 街口支付
How much does JKOPAY charge to convert currency?+
Currency conversion costs 0% at JKOPAY. That is lower than the conversion fee of 0.95% at Bit2Me and well below the 3% charged by bunq. On cost alone it is the cheapest conversion of the brands listed here.
What does a withdrawal from JKOPAY cost?+
A withdrawal costs TWD 15 per withdrawal. Money reaches you through bank accounts, so the payout is made straight to a bank rather than to a card or a cash point. Plan for that fixed charge each time you take money out.
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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PagBank
JKOPAY 街口支付