Updated September 29, 2026 · VaultCue Editorial Team
PagBank vs Vivid Money
PagBank
Higher score in this comparison
Vivid Money
Where PagBank and Vivid Money differ
| Compare | PagBankReviewVisitVisit | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | R$0 to R$75 | €0 |
| Currency conversion fee | 5% | 0.25%Lower |
| Transfer fee | Free (unlimited TED and Pix to any bank) | Free |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | Not confirmed | 22 |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | R$0 | Not confirmed |
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Key differences
- PagBank scores higher overall: 8.9 vs 8.8.
- Founded is lower at PagBank: 2006 vs 2019.
- Currency conversion fee is lower at Vivid Money: 0.25% vs 5%.
- Support channels: only PagBank offers Email, Phone.
- Features: only PagBank offers Free ATM, 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.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | PagBank | Vivid Money |
|---|---|---|
| Cost | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 9.2HigherOffer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. | 9.1Interest pocket pays 3% on instant access balances with low entry threshold |
| Trust | 8.8Higher | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
How they place
| Ranking | PagBank | Vivid Money |
|---|---|---|
| Savings accounts | 28 of 1420 | 496 of 1420 |
| Online banks | 11 of 402 | 155 of 402 |
Every fact side by side
| Fact | PagBank | Vivid Money |
|---|---|---|
| Audience | Business, Freelancer | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital only, No credit checkCovers more | Digital only |
| Legal entity | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A | Vivid Money B.V. |
| Headquarters | Brazil | Netherlands |
| Founded | 2006Lower | 2019 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Chat, Help centre |
Savings
| Fact | PagBank | Vivid Money |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| Rate type | Variable | Fixed |
| Minimum deposit | R$1 | €0.010 |
| Access terms | Daily liquidity, redeem whenever you want | Instant access |
| Account kind | Easy access | Easy access |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Money transfer
| Fact | PagBank | Vivid Money |
|---|---|---|
| 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 | Vivid Money | Median |
|---|---|---|---|
| Currency conversion fee | 5%highest quarter | 0.25%below the median | 0.5% |
| Currencies | Not confirmed | 22highest 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.
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
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 $0
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 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 | PagBank | Vivid Money |
|---|---|---|
| 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.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
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