Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs PagBank
PagBank
Higher score in this comparison
Kaspi.kz
Kaspi.kz vs PagBank: the differences
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Monthly fee | KZT 0 | R$0 to R$75 |
| Transfer fee | Free to other Kaspi clients | Free (unlimited TED and Pix to any bank) |
| 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 Kaspi.kz: 2002 vs 2006.
- Support channels: only PagBank offers Email.
- Audience: only Kaspi.kz offers Teen.
- Audience: only PagBank offers Freelancer.
- Features: only PagBank offers No credit check.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
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 | Kaspi.kz | 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 | 9.0Higher | 8.8 |
How they place
| Ranking | Kaspi.kz | PagBank |
|---|---|---|
| Savings accounts | 1032 of 1420 | 28 of 1420 |
| Business bank accounts | 382 of 563 | 16 of 563 |
| Money transfer services | 943 of 1564 | 14 of 1564 |
| Online banks | 283 of 402 | 11 of 402 |
Every fact side by side
| Fact | Kaspi.kz | PagBank |
|---|---|---|
| Audience | Teen, Business | Business, Freelancer |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital only | Free ATM, Digital only, No credit checkCovers more |
| Legal entity | Kaspi Bank JSC | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Kazakhstan | Brazil |
| Founded | 2002Lower | 2006 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Help centre, ChatCovers more |
Savings
| Fact | Kaspi.kz | PagBank |
|---|---|---|
| Headline rate | 15% | Not confirmed |
| Rate type | Variable | Variable |
| Minimum deposit | KZT 1,000 | R$1 |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Daily liquidity, redeem whenever you want |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Kaspi.kz | PagBank |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 |
| Payout methods | Bank, Card, WalletCovers more | Bank, Wallet |
| Fee to send 1,000 | KZT 0 | R$0 |
Where each stands against the rest
| Fact | Kaspi.kz | PagBank | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 5%highest quarter | 0.5% |
Median across 377 listed accounts.
Pros and cons
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
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
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
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 | Kaspi.kz | PagBank |
|---|---|---|
| Brazil | No | Yes |
| Kazakhstan | Yes | No |
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
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
Kaspi.kz