Updated September 29, 2026 · VaultCue Editorial Team
PagBank vs Revolut UK
PagBank
Revolut UK
Higher score in this comparison
What sets them apart
| Compare | PagBankReviewVisitVisit | Revolut UKReviewVisitVisit |
|---|---|---|
| Monthly fee | R$0 to R$75 | £0 |
| Currency conversion fee | 5% | 0% to 1%Lower |
| Transfer fee | Free (unlimited TED and Pix to any bank) | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
| Licence type | Not confirmed | E money |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Currencies | Not confirmed | 30 |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | R$0 | Not confirmed |
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Key differences
- Revolut UK scores higher overall: 9.0 vs 8.9.
- Founded is lower at PagBank: 2006 vs 2015.
- Currency conversion fee is lower at Revolut UK: 0% to 1% vs 5%.
- Audience: only PagBank offers Business.
- Audience: only Revolut UK offers Travelers, Teen.
- Features: only PagBank offers Digital only, No credit check.
- Features: only Revolut UK offers Joint account.
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.
Revolut UK
Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.
Score breakdown
| Area | PagBank | Revolut UK |
|---|---|---|
| Cost | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. | 9.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | 8.8Higher | 8.5 |
How they place
| Ranking | PagBank | Revolut UK |
|---|---|---|
| Savings accounts | 28 of 1420 | 40 of 1420 |
| Business bank accounts | 16 of 563 | 23 of 563 |
| Accounts for freelancers | 9 of 130 | 12 of 130 |
Every fact side by side
| Fact | PagBank | Revolut UK |
|---|---|---|
| Audience | Business, Freelancer | Travelers, Freelancer, Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital only, No credit check | Free ATM, Joint account |
| Legal entity | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A | Revolut Payments UAB |
| Headquarters | Brazil | Lithuania |
| Founded | 2006Lower | 2015 |
| Support channels | Email, Phone, Help centre, Chat | Chat, Phone, Help centre, Email |
Savings
| Fact | PagBank | Revolut UK |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Variable | Variable |
| Minimum deposit | R$1 | £0 |
| Access terms | Daily liquidity, redeem whenever you want | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PagBank | Revolut UK |
|---|---|---|
| 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 | Revolut UK | Median |
|---|---|---|---|
| Currency conversion fee | 5%highest quarter | 0% to 1%below the median | 0.5% |
| Currencies | Not confirmed | 30highest quarter | 5 |
Median across 536 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.
Revolut UK
Pros
- Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
- Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
- Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.
Cons
- The rate type is variable, so the 4% can move and nothing is fixed for a set period.
- The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
- On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.
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 $0
Revolut UK
Who it suits
- Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
- Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
- Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.
Who should look elsewhere
- Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
- People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
- Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 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 | Revolut UK |
|---|---|---|
| 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.
Revolut UK
What rate does the Revolut savings account pay?+
The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.
Is there a monthly fee or a minimum deposit?+
The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.
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