Updated October 14, 2026 · VaultCue Editorial Team
PagBank vs Sumeria
PagBank
Higher score in this comparison
Sumeria
PagBank vs Sumeria: the differences
| Compare | PagBankReviewVisitVisit | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | R$0 to R$75 | €0 |
| Currency conversion fee | 5% | 0%Lower |
| Free ATM withdrawals | R$0 | €250 |
| Transfer fee | Free (unlimited TED and Pix to any bank) | 0 EUR (all transfers free on the free Carte Basique offer) |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Local account details | Not confirmed | IBAN |
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Key differences
- Founded is lower at PagBank: 2006 vs 2011.
- Sumeria is available in 1 more country.
- Currency conversion fee is lower at Sumeria: 0% vs 5%.
- Audience: only PagBank offers Business, Freelancer.
- Audience: only Sumeria offers Travelers.
- Features: only PagBank offers Digital only, No credit check.
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.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | PagBank | Sumeria |
|---|---|---|
| Cost | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. | 9.1HigherMonthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 9.2HigherOffer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. | 9.0 |
| Trust | 8.8 | 8.8 |
Where they rank in our lists
| Ranking | PagBank | Sumeria |
|---|---|---|
| Savings accounts | 28 of 1420 | 442 of 1420 |
| Money transfer services | 14 of 1564 | 325 of 1564 |
Availability and regulation
| Country | PagBank | Sumeria |
|---|---|---|
| France | Not confirmed |
Additional countries for PagBank: 1. Additional countries for Sumeria: 2.
Spending 1,000 abroad
PagBank
50
5% of 1,000
Sumeria
0
0% of 1,000
Sumeria comes out 50 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Sources behind this comparison
PagBank
- pagbank.com.br: 10 facts, checked September 26, 2026
- faq.pagbank.com.br: 1 fact, checked September 26, 2026
Sumeria
- sumeria.eu: 12 facts, checked September 26, 2026
- play.google.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | PagBank | Sumeria |
|---|---|---|
| Audience | Business, Freelancer | Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital only, No credit checkCovers more | Free ATM |
| Legal entity | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A | Lydia Solutions |
| Headquarters | Brazil | France |
| Founded | 2006Lower | 2011 |
| Support channels | Email, Phone, Help centre, Chat | Email, Help centre, Phone, Chat |
Savings
| Fact | PagBank | Sumeria |
|---|---|---|
| Headline rate | Not confirmed | 1% to 2% |
| Rate type | Variable | Variable |
| Minimum deposit | R$1 | Not confirmed |
| Access terms | Daily liquidity, redeem whenever you want | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PagBank | Sumeria |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 | Instant |
| Payout methods | Bank, Wallet | Bank, Card |
| Fee to send 1,000 | R$0 | €0 |
Where each stands against the rest
| Fact | PagBank | Sumeria | Median |
|---|---|---|---|
| Currency conversion fee | 5%highest quarter | 0%below the median | 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.
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
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 $0
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 83,88 à vista (12x de R$ 6,99)
Super Max plan; promotional price valid under campaign terms
Source, checked September 26, 2026
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | PagBank | Sumeria |
|---|---|---|
| Belgium | No | Yes |
| Brazil | Yes | No |
| France | No | Yes |
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.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
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Related by the facts
PagBank
Sumeria