Updated October 13, 2026 · VaultCue Editorial Team
PagBank vs Reflect
PagBank
Higher score in this comparison
Reflect
What sets them apart
| Compare | PagBankReviewVisitVisit | ReflectReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | R$0 to R$75 | Not confirmed |
| Currency conversion fee | 5% | Not confirmed |
| Free ATM withdrawals | R$0 | Not confirmed |
| Transfer fee | Free (unlimited TED and Pix to any bank) | Not confirmed |
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Our verdict on each
PagBank
PagBank suits Brazilian businesses and freelancers who want a free everyday account with instant Pix payouts and a savings option on the side.
Reflect
For residents in Jordan seeking phone based daily money management, Reflect provides a focused mobile option. Reflect is a lifestyle digital mobile banking app with current and savings accounts plus cards and lending features for local everyday use and multicurrency needs.
Score breakdown
| Area | PagBank | Reflect |
|---|---|---|
| Cost | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. | Not confirmed |
| Offer | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. | Not confirmed |
| Trust | 8.8 | Not confirmed |
How they place
| Ranking | PagBank | Reflect |
|---|---|---|
| Savings accounts | 28 of 1420 | 1266 of 1420 |
Every fact side by side
| Fact | PagBank | Reflect |
|---|---|---|
| Audience | Business, Freelancer | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM, Digital only, No credit check | Not confirmed |
| Legal entity | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A | Not confirmed |
| Headquarters | Brazil | Jordan |
| Founded | 2006 | Not confirmed |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Phone |
Savings
| Fact | PagBank | Reflect |
|---|---|---|
| Rate type | Variable | Not confirmed |
| Minimum deposit | R$1 | Not confirmed |
| Access terms | Daily liquidity, redeem whenever you want | Free withdrawals at any Arab Bank ATM in Jordan; 5-500 JOD per day, same-day access via app |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PagBank | Reflect |
|---|---|---|
| Delivery time | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 | Not confirmed |
| Payout methods | Bank, Wallet | Not confirmed |
| Fee to send 1,000 | R$0 | Not confirmed |
Where each stands against the rest
| Fact | PagBank | Reflect | Median |
|---|---|---|---|
| Monthly fee | R$0 to R$75at the median | Not confirmed | R$0 |
| Currency conversion fee | 5%highest quarter | Not confirmed | 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.
Reflect
Pros
- Holds current and savings balances together in one mobile app
- Provides physical, virtual and multicurrency card options for transactions
- Combines everyday accounts with personal lending in one application
Cons
- Operates as a mobile app without physical branches for counter service
- Serves Jordan, which narrows options for people based elsewhere
- Centres on card spending, which reduces choice for cash led routines
Who each suits
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 $0
Reflect
Who it suits
- People in Jordan who want app based current and savings accounts
- Users who want multicurrency balances and card choice in one place
Who should look elsewhere
- People who prefer branch based banking with counter service
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 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 | PagBank | Reflect |
|---|---|---|
| Brazil | Yes | No |
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.
Reflect
What does Reflect offer for everyday banking?+
Reflect provides digital current accounts and savings accounts for everyday money management in one application. It also provides debit cards, a virtual card for online transactions, a credit card option and multicurrency balances. Personal loans sit alongside those accounts for additional borrowing needs.
Which currencies can Reflect hold?+
Reflect supports multicurrency accounts in USD, EUR, GBP, AED and SAR. Those balances sit beside Jordanian dinar accounts within the same application. Users can spend and manage money across those currencies from one place.
Other options to compare
Other matchups
Related by the facts
PagBank
Reflect