Updated October 13, 2026 · VaultCue Editorial Team
Moniepoint vs PagBank
PagBank
Higher score in this comparison
Moniepoint
Where Moniepoint and PagBank differ
| Compare | MoniepointReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Monthly fee | NGN 0 | R$0 to R$75 |
| Transfer fee | Free for Moniepoint-to-Moniepoint transfers to the same BVN; NGN 50 stamp duty on electronic transfers of NGN 10,000 and above | Free (unlimited TED and Pix to any bank) |
| Currency conversion fee | Not confirmed | 5% |
| Free ATM withdrawals | Not confirmed | R$0 |
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Key differences
- Founded is lower at PagBank: 2006 vs 2019.
- Moniepoint is available in 1 more country.
- Support channels: only PagBank offers Chat.
- Audience: only PagBank offers Freelancer.
Our verdict on each
Moniepoint
Moniepoint leans toward businesses first, so personal everyday banking sits beside merchant tools rather than apart. Moniepoint Inc runs a combined payments, banking and operations platform that serves business owners and their customers across African markets seeking unified daily money management.
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 | Moniepoint | 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 | 8.2 | 8.8Higher |
How they place
| Ranking | Moniepoint | PagBank |
|---|---|---|
| Business bank accounts | 451 of 563 | 16 of 563 |
| Money transfer services | 1163 of 1564 | 14 of 1564 |
Every fact side by side
| Fact | Moniepoint | PagBank |
|---|---|---|
| Audience | Business | Business, FreelancerCovers more |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only, No credit check |
| Legal entity | Moniepoint Microfinance Bank Limited | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Nigeria | Brazil |
| Founded | 2019 | 2006Lower |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Money transfer
| Fact | Moniepoint | 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 |
Savings
| Fact | Moniepoint | 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 | Moniepoint | PagBank | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 5%highest quarter | 0.5% |
Median across 377 listed accounts.
Pros and cons
Moniepoint
Pros
- Combines payments acceptance, banking and operational tools in one platform.
- Serves more than 20,000,000 business and individual accounts.
- Provides expense cards plus accounting and book keeping support for firms.
Cons
- Business centred design leaves less room for standalone personal banking.
- African market focus limits relevance for people banking elsewhere.
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
Moniepoint
Who it suits
- Business owners managing payments, banking and operations together
- Individuals handling everyday transactions through business linked accounts
Who should look elsewhere
- People seeking personal only banking outside African markets
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 $0
Current offers
Moniepoint
Current offer
Bonus
Get instant cash back on transfers
Source, checked September 26, 2026
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 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 | Moniepoint | PagBank |
|---|---|---|
| Brazil | No | Yes |
| Kenya | Yes | No |
| Nigeria | Yes | No |
Questions about each
Moniepoint
What does Moniepoint offer businesses and their customers?+
Moniepoint covers payment acceptance for merchants together with business and personal banking. It also provides operational tools such as expense cards and accounting and book keeping support. Business loans help owners finance inventory and expand.
Who uses Moniepoint?+
Moniepoint serves small businesses through to large companies and also serves their customers. It reports trust from more than 20,000,000 business and individual accounts. Thousands of people around the world rely on it to grow business activity.
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
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PagBank
Moniepoint